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Universal Insurance Holdings Inc (UVE)
NYSE:UVE
US Market
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Universal Insurance Holdings (UVE) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Feb 19, 2026
After Close (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
0.41
Last Year’s EPS
0.25
Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 23, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call presented a strong financial performance with significant improvements in return on equity and earnings per share. However, challenges such as decreased premiums in Florida, increased expenses, and a competitive market environment were also noted. Despite these challenges, the positive aspects of financial growth and strategic management were emphasized.
Company Guidance
During Universal's Third Quarter 2025 Earnings Conference Call, the company reported a robust adjusted return on common equity of 30.6%. Adjusted diluted earnings per share rose to $1.36 from a loss of $0.73 in the prior year, driven by a lower net loss ratio and increased net premiums earned, net investment income, and commission revenue. Core revenue grew by 4.9% year-over-year to $400 million, while direct premiums written increased by 3.2% to $592.8 million. Notably, the net combined ratio improved to 96.4%, a decrease of 20.5 points from the previous year, mainly due to a lower net loss ratio of 70.2%. The company repurchased approximately 347,000 shares at a total cost of $8.1 million and declared a quarterly dividend of $0.16 per share. During the call, Universal also discussed its conservative reserving process and the competitive dynamics in the Florida market.
Strong Return on Equity
The company reported a 30.6% adjusted return on common equity, highlighting their strong financial performance.
Improved Earnings Per Share
Adjusted diluted earnings per common share was $1.36 compared to an adjusted loss per common share of $0.73 in the prior year quarter.
Core Revenue Growth
Core revenue reached $400 million, up 4.9% year-over-year, driven by higher net premiums earned, net investment income, and commission revenue.
Lower Net Loss Ratio
The net combined ratio was 96.4%, down 20.5 points from the prior year quarter due to a lower net loss ratio, which was down 21.5 points.
Share Repurchase Program
The company repurchased approximately 347,000 shares at an aggregate cost of $8.1 million, with $7.1 million remaining in the authorization program.

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

UVE Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Feb 19, 2026
2025 (Q4)
0.41 / -
0.25
Oct 23, 2025
2025 (Q3)
1.17 / 1.36
-0.73286.30% (+2.09)
Jul 24, 2025
2025 (Q2)
1.12 / 1.23
1.184.24% (+0.05)
Apr 24, 2025
2025 (Q1)
1.26 / 1.44
1.0734.58% (+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
0.8735.63% (+0.31)
Apr 25, 2024
2024 (Q1)
1.04 / 1.07
0.7935.44% (+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
-2.2792.95% (+2.11)
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
Oct 23, 2025
$28.63$32.05+11.95%
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%
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 Feb 19, 2026, After Close (Confirmed).
    What is Universal Insurance Holdings Inc (UVE) earnings time?
    Universal Insurance Holdings Inc (UVE) earnings time is at Feb 19, 2026, 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 (Q4) is 0.41.
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