The earnings call reflects a generally positive outlook with strong financial metrics such as a high adjusted return on common equity and increased core revenue. The company demonstrated effective cost management with stable reinsurance expenses and continued shareholder value through dividends and share repurchase programs. However, there are challenges with increased net loss and expense ratios and a decline in Florida premiums. Overall, the positives outweigh the negatives.

Company Guidance

In Universal's Second Quarter 2025 Earnings Conference Call, the company reported a robust 29.4% adjusted return on common equity, driven by favorable underwriting trends, particularly in the improving Florida market. Key financial metrics included an adjusted diluted earnings per share of $1.23, up from $1.18 in the prior year quarter, and core revenue of $400.9 million, marking a 5.7% year-over-year increase. Direct premiums written grew by 3.2% to $596.7 million, with a notable 25.4% growth in other states offsetting a 2.5% decrease in Florida. Direct premiums earned increased by 6.7% to $523.4 million, while net premiums earned rose by 4.4% to $360.2 million. The net combined ratio was 97.8%, with a net loss ratio of 72.3% and an expense ratio of 25.5%. The company repurchased approximately 287,000 shares for $7.4 million and declared a quarterly cash dividend of $0.16 per common share. Despite increased competition in Florida, Universal remains confident in its strategic positioning and expansion into other states.

Strong Adjusted Return on Common Equity

The company delivered a very strong 29.4% adjusted return on common equity, indicating robust performance in the quarter.

Increase in Adjusted Diluted Earnings Per Share

Adjusted diluted earnings per common share increased to $1.23 from $1.18 in the prior year quarter.

Core Revenue Growth

Core revenue was up 5.7% year-over-year, totaling $400.9 million, driven by higher net premiums earned, net investment income, and commission revenue.

Direct Premiums Written and Earned Growth

Direct premiums written were $596.7 million, up 3.2%, and direct premiums earned were $523.4 million, up 6.7% from the prior year quarter.

Positive Dividend Announcement

A quarterly cash dividend of $0.16 per common share was declared, payable on August 8, 2025.

Effective Share Repurchase Program

The company repurchased approximately 287,000 shares at an aggregate cost of $7.4 million, with $15.2 million remaining in the share repurchase authorization program.

Stability in Reinsurance Costs

The cost of the new reinsurance program is not significantly different as a percentage of direct earned premium compared to the previous period, despite three landfalling storms last year.

Universal Insurance Holdings (UVE) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

UVE Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	-0.64 / -	-0.73	―	―	―
Jul 24, 2025	2025 (Q2)	1.12 / 1.23	1.18	4.24% (+0.05)
Apr 24, 2025	2025 (Q1)	1.26 / 1.44	1.07	34.58% (+0.37)
Feb 25, 2025	2024 (Q4)	0.08 / 0.25	0.43	-41.86% (-0.18)
Oct 24, 2024	2024 (Q3)	-0.97 / -0.73	-0.16	-356.25% (-0.57)
Jul 25, 2024	2024 (Q2)	1.02 / 1.18	0.87	35.63% (+0.31)
Apr 25, 2024	2024 (Q1)	1.04 / 1.07	0.79	35.44% (+0.28)
Feb 22, 2024	2023 (Q4)	0.25 / 0.43	0.72	-40.28% (-0.29)
Oct 26, 2023	2023 (Q3)	-0.29 / -0.16	-2.27	92.95% (+2.11)	―
Jul 27, 2023	2023 (Q2)	0.69 / 0.87	0.47	85.11% (+0.40)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

UVE Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$24.60	$22.77	-7.44%
Apr 24, 2025	$23.08	$23.32	+1.04%
Feb 25, 2025	$20.09	$21.95	+9.26%
Oct 24, 2024	$19.44	$18.61	-4.27%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Universal Insurance Holdings Inc (UVE) report earnings?

Universal Insurance Holdings Inc (UVE) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Universal Insurance Holdings Inc (UVE) earnings time?

Universal Insurance Holdings Inc (UVE) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is UVE EPS forecast?

UVE EPS forecast for the fiscal quarter 2025 (Q3) is -0.64.

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