UNIVERSAL INSURANCE HOLDINGS, INC.
UVE · Fire, Marine & Casualty Insurance · 27.9M shares · -3%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: $19M (gross $22M, SBC $3M)
Reference price $38.22 · est. market cap ~$1.1B — last insider sale, 2026-06-11 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B74Universal Insurance Holdings — Florida homeowners insurer with high ROE.
Strengths
- ROE 33% (88th pct), net income up sharply (94th)
Risks
- Heavy Florida catastrophe/hurricane concentration
- Reinsurance-cost and reserve sensitivity
Notable findings
- Strong balance sheetStrong balance sheet — $409M cash & investments
- Buying back stockNet buyback — share count -3%/yr over 4y
- Insider sellingInsider selling — 13 open-market sale(s) by 4 insider(s) (cluster of 4 insiders, ~$4M, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
11.4%
Return on equity
33.2%
Return on assets
6.4%
Revenue growth (QoQ)
-3.5%
Net-income growth
210.5%
Debt / equity
0.2×
Free cash flow
$377M
Tangible book value
$551M
Cash & investments
$409M
Stock comp / revenue
0.5%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-11 | PETERSON RICHARD D | Grant | 3.4K | — |
| 2026-06-11 | Gordon Marlene | Grant | 3.4K | — |
| 2026-06-11 | PIETRANGELO MICHAEL | Grant | 3.4K | — |
| 2026-06-11 | McCahill Francis Xavier III | Grant | 3.4K | — |
| 2026-06-11 | Barton Carol G | Grant | 3.4K | — |
| 2026-06-11 | Callahan Scott P. | Grant | 3.4K | — |
| 2026-06-11 | Brown Shannon A | Grant | 3.4K | — |
| 2026-06-11 | Springer Jon | Grant | 3.4K | — |
| 2026-06-11 | DOWNES SEAN P | Sell | 20K | $38.22 |
| 2026-06-11 | SCHINDLER OZZIE A | Grant | 3.4K | — |
| 2026-05-15 | DOWNES SEAN P | Sell | 20K | $38.71 |
| 2026-05-15 | DOWNES SEAN P | Sell | 482 | $39.40 |
| 2026-05-13 | PIETRANGELO MICHAEL | Sell | 4.5K | $39.29 |
| 2026-05-12 | PIETRANGELO MICHAEL | Sell | 3.0K | $39.55 |
| 2026-04-29 | DOWNES SEAN P | Sell | 5.8K | $40.08 |
| 2026-04-29 | DOWNES SEAN P | Sell | 2.2K | $41.01 |
| 2026-04-29 | DOWNES SEAN P | Sell | 12K | $39.25 |
| 2026-03-31 | Campos Kimberly D | Sell | 946 | $34.12 |
| 2026-03-30 | DOWNES SEAN P | Tax withheld | 3.6K | $34.16 |
| 2026-03-30 | Donaghy Stephen | Tax withheld | 6.3K | $34.16 |
| 2026-03-30 | PETERSON RICHARD D | Sell | 2.0K | $34.10 |
| 2026-03-27 | Donaghy Stephen | Tax withheld | 5.7K | $33.67 |
| 2026-03-27 | Campos Kimberly D | Option exercise | 1.3K | — |
| 2026-03-27 | Campos Kimberly D | Tax withheld | 305 | $33.67 |
| 2026-03-27 | Donaghy Stephen | Option exercise | 15K | — |
| 2026-03-27 | Wilcox Frank | Option exercise | 2.5K | — |
| 2026-03-27 | Wilcox Frank | Tax withheld | 610 | $33.67 |
| 2026-03-27 | DOWNES SEAN P | Option exercise | 8.3K | — |
| 2026-03-27 | DOWNES SEAN P | Tax withheld | 3.3K | $33.67 |
| 2026-03-26 | Campos Kimberly D | Sell | 879 | $33.84 |
| 2026-03-25 | DOWNES SEAN P | Sell | 20K | $34.60 |
| 2026-03-19 | DOWNES SEAN P | Tax withheld | 5.0K | $32.89 |
| 2026-03-19 | Donaghy Stephen | Option exercise | 14K | — |
| 2026-03-19 | Wilcox Frank | Option exercise | 2.3K | — |
| 2026-03-19 | Wilcox Frank | Tax withheld | 567 | $32.89 |
| 2026-03-19 | Campos Kimberly D | Option exercise | 1.2K | — |
| 2026-03-19 | Campos Kimberly D | Tax withheld | 284 | $32.89 |
| 2026-03-19 | Donaghy Stephen | Tax withheld | 5.3K | $32.89 |
| 2026-03-19 | DOWNES SEAN P | Option exercise | 13K | — |
| 2026-03-03 | Campos Kimberly D | Sell | 1.7K | $35.38 |
| 2026-02-24 | DOWNES SEAN P | Grant | 27K | — |
| 2026-02-24 | Donaghy Stephen | Grant | 48K | — |
| 2026-02-24 | Donaghy Stephen | Tax withheld | 14K | $30.23 |
| 2026-02-24 | DOWNES SEAN P | Tax withheld | 6.9K | $30.23 |
| 2025-12-30 | DOWNES SEAN P | Gift | 30K | — |
| 2025-12-30 | Donaghy Stephen | Sell | 25K | $33.77 |
| 2025-12-30 | PETERSON RICHARD D | Sell | 1.9K | $33.61 |
| 2025-12-30 | DOWNES SEAN P | Gift | 15K | — |
| 2025-12-30 | DOWNES SEAN P | Gift | 30K | — |
| 2025-12-29 | Donaghy Stephen | Sell | 25K | $34.07 |
| 2025-12-22 | Ropiecki Gary Lloyd | Tax withheld | 325 | $34.63 |
| 2025-12-20 | Ropiecki Gary Lloyd | Option exercise | 1.3K | — |
| 2025-12-19 | Ropiecki Gary Lloyd | Option exercise | 1.7K | — |
| 2025-12-19 | Ropiecki Gary Lloyd | Tax withheld | 406 | $33.89 |
| 2025-12-19 | DOWNES SEAN P | Sell | 20K | $33.82 |
| 2025-12-16 | Ropiecki Gary Lloyd | Tax withheld | 406 | $33.19 |
| 2025-12-16 | Campos Kimberly D | Tax withheld | 406 | $33.19 |
| 2025-12-16 | Wilcox Frank | Tax withheld | 812 | $33.19 |
| 2025-11-25 | DOWNES SEAN P | Sell | 20K | $33.46 |
| 2025-11-14 | Springer Jon | Sell | 24K | $34.51 |
| 2025-10-30 | Springer Jon | Sell | 35K | $31.41 |
| 2025-10-29 | DOWNES SEAN P | Sell | 20K | $31.40 |
| 2025-09-04 | DOWNES SEAN P | Sell | 20K | $25.35 |
| 2025-08-04 | DOWNES SEAN P | Sell | 20K | $23.19 |
| 2025-07-28 | Springer Jon | Grant | 2.8K | — |
| 2025-07-28 | PIETRANGELO MICHAEL | Grant | 2.8K | — |
| 2025-07-28 | Gordon Marlene | Grant | 2.8K | — |
| 2025-07-28 | DOWNES SEAN P | Grant | 300K | — |
| 2025-07-28 | Callahan Scott P. | Grant | 2.8K | — |
| 2025-07-28 | Brown Shannon A | Grant | 2.8K | — |
| 2025-07-28 | Barton Carol G | Grant | 2.8K | — |
| 2025-07-28 | SCHINDLER OZZIE A | Grant | 2.8K | — |
| 2025-07-28 | PETERSON RICHARD D | Grant | 2.8K | — |
| 2025-07-28 | McCahill Francis Xavier III | Grant | 2.8K | — |
| 2025-07-23 | DOWNES SEAN P | Option exercise | 250K | $13.19 |
| 2025-07-23 | DOWNES SEAN P | Tax withheld | 546K | $25.46 |
| 2025-07-23 | DOWNES SEAN P | Option exercise | 67K | $19.52 |
| 2025-07-23 | DOWNES SEAN P | Option exercise | 150K | $19.52 |
| 2025-07-23 | DOWNES SEAN P | Option exercise | 221K | $18.23 |
| 2025-06-13 | DOWNES SEAN P | Sell | 25K | $26.48 |
| 2025-06-12 | Gordon Marlene | Grant | 2.4K | — |
| 2025-06-12 | McCahill Francis Xavier III | Grant | 2.4K | — |
| 2025-06-12 | PIETRANGELO MICHAEL | Grant | 2.4K | — |
| 2025-06-12 | Barton Carol G | Grant | 2.4K | — |
| 2025-06-12 | Brown Shannon A | Grant | 2.4K | — |
| 2025-06-12 | PETERSON RICHARD D | Grant | 2.4K | — |
| 2025-06-12 | Callahan Scott P. | Grant | 2.4K | — |
| 2025-06-12 | Springer Jon | Grant | 2.4K | — |
| 2025-06-12 | DOWNES SEAN P | Sell | 25K | $26.91 |
| 2025-06-12 | SCHINDLER OZZIE A | Grant | 2.4K | — |
| 2025-05-30 | Springer Jon | Sell | 30K | $27.06 |
| 2025-05-16 | DOWNES SEAN P | Sell | 20K | $26.34 |
| 2025-05-06 | Springer Jon | Sell | 26K | $25.61 |
| 2025-04-30 | DOWNES SEAN P | Sell | 20K | $24.15 |
| 2025-03-31 | DOWNES SEAN P | Tax withheld | 3.6K | $23.70 |
| 2025-03-31 | Donaghy Stephen | Tax withheld | 6.3K | $23.70 |
| 2025-03-27 | Campos Kimberly D | Option exercise | 1.3K | — |
| 2025-03-27 | Campos Kimberly D | Tax withheld | 305 | $22.85 |
| 2025-03-27 | Donaghy Stephen | Option exercise | 15K | — |
| 2025-03-27 | Donaghy Stephen | Tax withheld | 5.7K | $22.85 |
| 2025-03-27 | Wilcox Frank | Option exercise | 2.5K | — |
| 2025-03-27 | Wilcox Frank | Tax withheld | 610 | $22.85 |
| 2025-03-27 | DOWNES SEAN P | Option exercise | 8.3K | — |
| 2025-03-27 | DOWNES SEAN P | Tax withheld | 3.3K | $22.85 |
| 2025-02-28 | DOWNES SEAN P | Sell | 20K | $22.08 |
| 2025-02-21 | Donaghy Stephen | Grant | 62K | — |
| 2025-02-21 | Donaghy Stephen | Tax withheld | 24K | $19.96 |
| 2025-02-21 | DOWNES SEAN P | Grant | 41K | — |
| 2025-02-21 | DOWNES SEAN P | Tax withheld | 16K | $19.96 |
| 2025-01-14 | Donaghy Stephen | Gift | 14K | — |
All non-derivative Form 4 activity (SEC), newest first.
Supply chain
Customers (0)
Suppliers (3)
- Demotech, Inc.
- Kroll Bond Rating Agency
- State of Florida
Named in the 10-K; linked when we track them.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-18 | 2026-06-16 | 0001193125-26-275945 ↗ |
| 8-K | 2026-06-15 | 2026-06-11 | 0000891166-26-000077 ↗ |
| 8-K | 2026-06-05 | 2026-06-03 | 0001193125-26-259640 ↗ |
| 8-K | 2026-05-28 | 2026-05-28 | 0000891166-26-000053 ↗ |
| 10-Q | 2026-04-29 | 2026-03-31 | 0000891166-26-000046 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0000891166-26-000042 ↗ |
| 8-K | 2026-04-10 | 2026-04-10 | 0000891166-26-000039 ↗ |
| 10-K | 2026-02-27 | 2025-12-31 | 0000891166-26-000010 ↗ |
| 8-K | 2026-02-24 | 2026-02-24 | 0000891166-26-000007 ↗ |
| 8-K | 2026-02-04 | 2026-02-04 | 0000891166-26-000004 ↗ |
| 8-K | 2026-01-07 | 2026-01-07 | 0000891166-26-000002 ↗ |
| 8-K | 2025-11-06 | 2025-11-06 | 0000891166-25-000182 ↗ |