The earnings call reflects a positive financial performance with significant growth in revenue and adjusted earnings per share, alongside a strong return on equity. However, challenges such as decreased premiums in Florida and increased loss and expense ratios indicate areas for improvement.

Company Guidance -

Q3 2025

During Universal's second quarter 2025 earnings call, several key metrics were highlighted, underscoring the company's financial performance and strategic direction. The adjusted return on common equity was a robust 29.4%, reflecting strong operational outcomes. Adjusted diluted earnings per common share increased to $1.23 from $1.18 in the same quarter last year, bolstered by higher direct premiums earned, net investment income, and commission revenue, albeit partially offset by a higher ceded premium ratio. Core revenue reached $400.9 million, a 5.7% year-over-year increase, while direct premiums written were $596.7 million, up 3.2% from the prior year, driven by a 25.4% growth in other states despite a 2.5% decrease in Florida. The net combined ratio rose to 97.8%, with a net loss ratio of 72.3% and a net expense ratio of 25.5%. The company repurchased approximately 287,000 shares at a cost of $7.4 million, with $15.2 million remaining under the share repurchase authorization. A quarterly cash dividend of $0.16 per common share was declared, payable on August 8, 2025. Additionally, the new reinsurance program's cost was similar to the previous year, despite the challenges from three landfalling storms, indicating an improving market environment in Florida.

Strong Adjusted Return on Common Equity

The company delivered a very strong 29.4% adjusted return on common equity, indicating robust performance and profitability.

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, driven by higher direct premiums earned, net investment income, and commission revenue.

Revenue Growth

Core revenue increased by 5.7% year-over-year to $400.9 million, primarily due to higher net premiums earned, net investment income, and commission revenue.

Growth in Direct Premiums Written

Direct premiums written rose by 3.2% year-over-year to $596.7 million, with significant growth of 25.4% in other states.

Stable Reinsurance Program Costs

The cost of the new reinsurance program as a percentage of direct earned premium was not significantly different from 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 (UVE) report earnings?

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

What is Universal Insurance (UVE) earnings time?

Universal Insurance (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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