UVE FINANCIAL STATEMENTS

Universal Insurance Holdings Inc — balance sheet, income statement and cash flow trends

UVEUniversal Insurance Holdings Inc

🇺🇸 USA · NYSE · Financial Services · Insurance - Property & Casualty

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue1.6 B $+3.3%

Gross Profit509.7 M $+142.1%

Operating Income259.3 M $+180.1%

EBITDA272.4 M $+177.0%

Net Income195.8 M $+193.5%

Peer Comparison· Insurance - Property & Casualty

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
UVE	—	—	—	12.2%
TURSG	—	—	—	—
DFY	—	—	—	6.9%
ADM	—	—	—	13.5%
HSX	—	—	—	13.8%
GJF	—	—	—	—
Industry median	—	—	—	10.8%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity584.7 M $21%
Current Liabilities2 B $74%
Long-term Liabilities144.3 M $5%

Key Figures

YoY change

Total Assets2.8 B $+2.0%

Total Liabilities2.2 B $-4.7%

Total Equity584.7 M $+38.4%

Cash & ST Investments740.5 M $+24.0%

Total Debt100.3 M $-0.8%

Net Debt-495.5 M $—

Peer Comparison· Insurance - Property & Casualty

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
UVE	0.56	17.2%	-2.35	21.1%
TURSG	1.36	0.0%	—	30.1%
DFY	1.25	43.4%	1.65	30.8%
ADM	6.56	131.2%	1.47	16.0%
HSX	—	22.8%	0.03	32.4%
GJF	—	—	—	11.2%
Industry median	0.89	27.1%	-0.70	26.4%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
UVE	0.56	17.2%	-2.35	21.1%
PRA	1.32	32.4%	-30.15	24.7%
TRUP	1.73	27.7%	-4.77	42.8%
SAFT	0.82	7.1%	-7.41	35.1%
UFCS	0.81	15.4%	-6.36	24.3%
KMPR	0.33	35.6%	5.23	21.3%
Industry median	0.89	27.1%	-0.70	26.4%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow349.5 M $+44.9%

Capital Expenditures4.8 M $-44.3%

Free Cash Flow344.8 M $+48.2%

Dividends Paid-22.2 M $-198.7%

Peer Comparison· Insurance - Property & Casualty

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
UVE	21.9%	21.6%	0.3%	178.5%
TURSG	—	—	—	100.0%
DFY	8.1%	6.3%	1.8%	116.7%
ADM	13.2%	7.1%	1.3%	97.9%
HSX	0.9%	0.9%	0.1%	6.8%
GJF	—	—	—	—
Industry median	16.6%	15.9%	0.6%	149.9%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
UVE	21.9%	21.6%	0.3%	178.5%
PRA	-3.3%	-3.6%	0.3%	-54.2%
TRUP	5.9%	5.1%	0.9%	341.6%
SAFT	13.7%	13.4%	0.3%	276.5%
UFCS	20.4%	20.1%	0.3%	222.7%
KMPR	10.5%	9.8%	0.7%	1,177.3%
Industry median	16.6%	15.9%	0.6%	149.9%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
UVE	—	—	—	12.2%
PRA	—	—	—	6.0%
TRUP	—	—	—	1.7%
SAFT	—	—	—	5.0%
UFCS	—	—	—	9.2%
KMPR	—	—	—	0.9%
Industry median	—	—	—	10.8%