{"filings":[{"id":1829837,"accession_number":"0000891166-26-000085","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-07-23T20:15:24+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q2 EPS $2.04, revenue up 6.7%; combined ratio improves to 91.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted GAAP EPS of $2.04 vs $1.21 prior year; adjusted EPS $1.84 vs $1.23.","Total revenues $427M, up 6.7%; net premiums earned $377.3M, up 4.7%.","Net loss ratio improved 7.5 pts to 64.8%; combined ratio 91.6% vs 97.8%.","Direct premiums written $621.3M, up 4.1%; policies in force up 7.1% to 934k.","Book value per share $22.89, up 39.7% YoY; quarterly dividend $0.16/share declared."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1526436,"accession_number":"0000891166-26-000082","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-07-08T20:16:39+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.16 quarterly dividend payable Aug 7, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.16 per share declared by Board of Directors.","Payable on August 7, 2026 to shareholders of record as of July 31, 2026.","Dividend is a regular quarterly distribution; no change in amount indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1139280,"accession_number":"0001193125-26-275945","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-06-18T20:30:07+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"Universal Insurance Holdings issues $100M 7.75% senior notes due 2031; redeems 2026 notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $100M of 7.75% Senior Unsecured Notes due 2031; interest payable semi-annually beginning Dec 30, 2026.","Proceeds to fund general corporate purposes and redemption of all outstanding 5.625% Senior Notes due 2026.","Redeemed all 2026 Notes on June 17, 2026 at 100% of principal plus accrued interest.","Covenants include maintaining cash for 12 months interest and debt-to-capitalization ratio ≤40%.","Notes are unsecured senior obligations not guaranteed by subsidiaries; rating maintenance covenant applies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1056756,"accession_number":"0000891166-26-000077","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-06-15T20:13:33+00:00","items":["5.07"],"status":"ready","headline":"Universal Insurance shareholders elect all 12 director nominees, approve say-on-pay, ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 12 director nominees elected with strong majorities; votes ranged from 18.1M to 19.7M for each nominee.","Advisory vote on executive compensation approved: 19,555,685 for, 389,598 against, 70,398 abstain.","Ratification of Plante & Moran as independent auditor for FY2026: 22,475,588 for, 339,545 against, 191,006 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":888758,"accession_number":"0001193125-26-259640","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-06-05T20:20:06+00:00","items":["8.01","9.01"],"status":"ready","headline":"UVE amends indenture to shorten redemption notice to 5 days and allow conditional redemptions","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["First Supplemental Indenture with UMB Bank amends 5.625% Senior Unsecured Notes due 2026.","Minimum redemption notice period reduced from 30 days to 5 days.","Company may now issue conditional redemption notices and delay or withdraw if conditions unmet.","Amendments approved by holders of a majority of outstanding principal amount of the Notes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":722281,"accession_number":"0000891166-26-000053","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-05-28T20:16:49+00:00","items":["8.01","9.01"],"status":"ready","headline":"Universal Insurance subsidiaries complete 2026-2027 reinsurance program with $2.623B tower, $45M retention","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Combined first-event tower increased ~$50M to $2.623 billion; first-event statutory retention unchanged at $45M.","Secured $352M multi-year catastrophe capacity extending through 2027-2028; $277M sits below FHCF layer.","Largest private reinsurers maintain AM Best rating of A or higher (Nephila/Markel, RenaissanceRe, Munich Re, etc.).","Florida represents less than 50% of total insured value as of March 31, 2026.","Market moderating after benign 2025 Atlantic hurricane season and Florida property insurance reforms."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.63,"calibrated_materiality_score":0.63,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99513,"accession_number":"0000891166-26-000042","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Q1 GAAP EPS $1.88 vs $1.44 YoY; net combined ratio 89.7% improves 5.3 pts","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted GAAP EPS of $1.88, adjusted EPS $2.00; net income $54.3M up 31% YoY.","Direct premiums written $506.5M (+8.5% YoY); policies in force up 5.8% to 915,306.","Net combined ratio 89.7% (down 5.3 pts) on lower loss ratio of 63.9% (down 6.6 pts).","Book value per share $20.95, up 39.9% YoY; quarterly dividend $0.16/sh declared.","Completed 2026-2027 reinsurance renewal; secured $352M additional multi-year coverage."],"consensus_eps_estimate":null,"consensus_eps_actual":1.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":393565000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99512,"accession_number":"0000891166-26-000039","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-04-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal declares $0.16 quarterly dividend; Q1 results April 23","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.16/share, payable May 15, 2026 to holders of record May 8, 2026.","Q1 2026 earnings release scheduled for after market close on April 23, 2026.","Conference call to discuss Q1 results on April 24, 2026 at 10:00 AM ET.","Dividend amount unchanged from prior quarter; no change or special dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115564,"accession_number":"0000891166-26-000007","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-02-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q4 2025 EPS $2.28; book value up 48% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP diluted EPS $2.28; adjusted diluted EPS $2.17 for Q4 2025.","Direct premiums written $483.7M, up 2.7% YoY.","Annualized ROCE 50.9%; adjusted ROCE 46.1%.","Book value per share $19.67, up 48.1% YoY; adjusted book value $20.60, up 32.6%."],"consensus_eps_estimate":null,"consensus_eps_actual":6.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":1603915000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115563,"accession_number":"0000891166-26-000004","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-02-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares regular $0.16 quarterly dividend payable March 13","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.16 per common share declared by Board of Directors.","Payable on March 13, 2026 to shareholders of record as of March 6, 2026.","NYSE ticker UVE; dividend is the regular quarterly amount."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115562,"accession_number":"0000891166-26-000002","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2026-01-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance Holdings announces $20M share repurchase authorization through Jan 2028","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized $20 million share repurchase program running through January 8, 2028.","Repurchases may be made in open market transactions at prevailing market prices.","Company will comply with Rule 10b-18 and its insider trading policy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131990,"accession_number":"0000891166-25-000182","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-11-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal declares $0.29/sh total dividend ($0.16 regular + $0.13 special)","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly dividend of $0.16/sh and special dividend of $0.13/sh declared.","Combined $0.29/sh payable Dec 12, 2025 to holders of record Dec 5, 2025.","Total dividends declared in 2025 now $0.77/sh.","Mark's second special dividend in 2025; prior special was $0.08/sh in Q2."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131989,"accession_number":"0000891166-25-000170","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Q3 EPS $1.38, net income $39.8M vs prior-year loss of $16.2M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $39.8M vs loss $16.2M; diluted EPS $1.38 vs ($0.57) YoY.","Direct premiums written $592.8M (+3.2% YoY); policies in force up 4.7% to 883,888.","Combined ratio improved to 96.4% from 116.9% YoY, driven by lower loss ratio (70.2% vs 91.7%).","Book value per share $17.65, up 24.7% YoY; annualized ROCE 33.4%.","Returned $12.8M to shareholders via $8.1M buybacks and $0.16/sh quarterly dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":4.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":1195989000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148570,"accession_number":"0000891166-25-000114","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q2 2025 GAAP EPS $1.21, adjusted EPS $1.23; book value up 18.9% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP diluted EPS $1.21; adjusted diluted EPS $1.23; net income $35.1M (down 0.9% YoY).","Direct premiums written $596.7M (+3.2% YoY); net combined ratio 97.8% (up 1.9 pts).","Book value per share $16.39 (+18.9% YoY); adjusted book value $17.85 (+8.6% YoY).","Returned $12M to shareholders: $7.4M share repurchases and $0.16/sh dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":2.64,"consensus_revenue_estimate":null,"consensus_revenue_actual":795008000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148569,"accession_number":"0000891166-25-000111","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-07-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.16 quarterly dividend; schedules Q2 2025 earnings for July 24","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.16 per share declared, payable August 8, 2025 to holders of record August 1, 2025.","Q2 2025 earnings results to be released after market close on July 24, 2025.","Earnings conference call scheduled for July 25, 2025 at 10:00 AM ET."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167413,"accession_number":"0000891166-25-000085","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-06-13T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Universal Insurance Holdings reports annual meeting vote results; all proposals pass","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 12 director nominees elected; Scott P. Callahan received most votes against (1,933,008).","Advisory say-on-pay approved with 17,892,478 for (93.7% of votes cast).","Ratification of Plante & Moran as independent auditor for FY 2025 approved with 21,449,020 for.","Meeting held June 12, 2025; broker non-votes were 2,895,639 on director elections and say-on-pay."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167412,"accession_number":"0000891166-25-000071","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-05-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"UVE insurance subsidiaries complete 2025-2026 reinsurance program; tower increased to $2.526B","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All States first event retention remains unchanged at $45M.","Combined reinsurance tower raised to $2.526B, up $110M vs 2024-2025 period.","Added $352M multi-year catastrophe capacity extending through 2026-2027.","All largest private reinsurance participants rated 'A' or higher by AM Best.","Florida represents less than 50% of total insured values as of March 31, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167411,"accession_number":"0000891166-25-000061","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-05-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance Holdings authorizes $20M share repurchase program through 2027","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to $20M in common stock repurchases through May 1, 2027.","Repurchases may be made in open-market transactions at prevailing market prices.","Program will be executed in compliance with Rule 10b-18 and company's insider trading policy.","Buyback represents ~3% of UVE's market capitalization, signaling management confidence."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167410,"accession_number":"0000891166-25-000055","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q1 net income up 23% to $41.4M; EPS $1.44","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted GAAP EPS $1.44 vs $1.14; adjusted EPS $1.44; net income $41.4M, up 23.1%.","Direct premiums written $467.1M (+4.7%) from 34.7% growth outside Florida; policies in force up 5.5%.","Net combined ratio 95.0% improved 0.5 pts; loss ratio down 1.4 pts to 70.5% on lower weather losses.","Completed 2025-2026 reinsurance renewal early; secured $352M multi-year coverage through 2026-2027.","Declared Q2 dividend $0.16/share, payable May 16, record May 9."],"consensus_eps_estimate":null,"consensus_eps_actual":1.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":394867000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167409,"accession_number":"0000891166-25-000052","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-04-14T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.16 quarterly dividend; Q1 earnings call set for April 25","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.16 per share, payable May 16, 2025 to holders of record May 9, 2025.","First quarter 2025 results will be released after market close on April 24, 2025.","Earnings conference call scheduled for April 25, 2025 at 10:00 a.m. ET."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184720,"accession_number":"0000891166-25-000021","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-02-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q4 GAAP EPS $0.21, adj EPS $0.25; premiums up 8.8% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Direct premiums written $470.9M, up 8.8% YoY.","Book value per share $13.28 (+12.7% YoY); adjusted book value $15.53 (+8.3%).","Returned $16.2M to shareholders: $7.7M buybacks, $0.16 regular and $0.13 special dividends.","Annualized adjusted ROCE of 6.5%; diluted adjusted EPS $0.25.","GAAP net income not explicitly stated, but diluted GAAP EPS $0.21."],"consensus_eps_estimate":null,"consensus_eps_actual":2.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":1520536000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184719,"accession_number":"0000891166-25-000011","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2025-02-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal declares $0.16 quarterly dividend payable March 14, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.16 per share declared by Board of Directors.","Payable on March 14, 2025 to shareholders of record as of March 7, 2025.","Regular quarterly cash dividend; no change in amount disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":201294,"accession_number":"0000891166-24-000099","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-11-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.29/share total dividend including $0.13 special","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly dividend of $0.16/share plus special dividend of $0.13/share, total $0.29/share.","Dividend payable December 13, 2024 to shareholders of record as of December 6, 2024.","Total dividends declared in 2024 reach $0.77 per share."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":201293,"accession_number":"0000891166-24-000091","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance posts Q3 loss of $0.57 per share; direct premiums up 8% to $574M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Loss per common share of $0.57; adjusted loss per common share of $0.73.","Direct premiums written of $574.4 million, up 8.0% from prior year quarter.","Book value per share of $14.15, up 37.0% year-over-year; adjusted book value $15.76, up 12.6%.","Returned $9.1M to shareholders: $4.4M share repurchases and $0.16 per share regular dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":1.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":1135727000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217324,"accession_number":"0000891166-24-000070","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Q2 GAAP EPS $1.21, adjusted $1.18; premiums up 5.7% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP EPS of $1.21; diluted adjusted EPS of $1.18.","Direct premiums written $578.3M, up 5.7% from prior-year quarter.","Book value per share $13.79 (+24.0% YoY); adjusted book value $16.44 (+14.9%).","Annualized ROCE 37.4%; adjusted ROCE 30.5%.","Returned $10.1M to shareholders: $5.3M in buybacks and $0.16 per share dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":2.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":748173000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217323,"accession_number":"0000891166-24-000059","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-07-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.16 quarterly dividend; Q2 earnings call on July 26","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.16 per share declared, payable August 9, 2024 to holders of record August 2, 2024.","Q2 2024 results to be released after market close July 25; conference call July 26 at 10:00 AM ET.","Dividend amount appears unchanged from prior quarter; no change in rate announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":217322,"accession_number":"0000891166-24-000061","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K/A","filed_at":"2024-07-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance fixes dividend record/payable dates; Q2 earnings call July 26","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.16 per share; payable August 9, 2024, record August 2, 2024.","Amendment corrects dates from initial July 11 filing; dividend amount unchanged.","Q2 2024 results to be released after market close on July 25, 2024.","Conference call to discuss results on July 26, 2024 at 10:00 a.m. ET."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237134,"accession_number":"0000891166-24-000043","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-06-17T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"UVE shareholders elect 12 directors, approve equity plan, advisory say-on-pay, and auditor ratification","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 12 director nominees elected with votes ranging from 16.4M to 18.9M for; broker non-votes 3.1M.","Amended 2021 Omnibus Incentive Plan approved: 17.2M for, 1.8M against.","Advisory vote on named executive officer compensation passed: 18.1M for, 0.9M against.","Ratification of Plante & Moran as auditor for FY 2024: 21.3M for, 0.6M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237133,"accession_number":"0000891166-24-000030","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-05-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Universal Insurance completes 2024-2025 reinsurance program; cost rises to 33% of premium","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Combined first event retention unchanged at $45M; total tower of $2.404B for single All States event.","Total reinsurance cost projected at ~33% of direct earned premium, up from 31.8% last year.","Replaced $217M of cost-free RAP coverage and $150M expiring cat bond with traditional market capacity.","Secured $240M of multi-year capacity extending to 2025-2026, including $165M below FHCF layer.","Largest private reinsurers rated A or higher; key partners include Nephila, Markel, RenaissanceRe, Munich Re."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237132,"accession_number":"0000891166-24-000023","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q1 EPS $1.14, direct premiums up 8.8% to $446.2M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted GAAP EPS of $1.14; adjusted EPS of $1.07.","Direct premiums written $446.2M, up 8.8% YoY.","Book value per share $12.68, up 20% YoY; adjusted book value $15.34, up 13.5%.","Annualized ROCE 38.1%, adjusted ROCE 29.4%.","Total capital returned $8.9M: $4.1M in share repurchases and $0.16 regular dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":1.14,"consensus_revenue_estimate":null,"consensus_revenue_actual":367959000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":237131,"accession_number":"0000891166-24-000019","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-04-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.16 quarterly dividend, payable May 17, 2024","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.16 per share declared; payable May 17, 2024 to holders of record May 10, 2024.","Q1 2024 earnings to be released after market close on April 25, 2024.","Conference call to discuss Q1 results on April 26, 2024 at 10:00 a.m. ET."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":254717,"accession_number":"0000891166-24-000016","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-03-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance Holdings authorizes $20M share buyback through March 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to $20M of common stock (UVE).","Program runs from March 12, 2024 to March 11, 2026.","Repurchases may be made in open-market transactions under Rule 10b-18.","Company intends to comply with insider trading policy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":254716,"accession_number":"0000891166-24-000008","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-02-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q4 GAAP EPS $0.68, adjusted EPS $0.43; direct premiums up 4% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted GAAP EPS $0.68; diluted adjusted EPS $0.43. Annualized ROCE 24.9%.","Direct premiums written $432.6M, up 4.0% YoY. Book value per share $11.78 (+24.4% YoY).","Returned $12.3M to shareholders: $3.6M share repurchases, $0.16 regular dividend, $0.13 special dividend.","Adjusted book value per share $14.34, up 11.2% year-over-year."],"consensus_eps_estimate":null,"consensus_eps_actual":2.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":1391582000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":254715,"accession_number":"0000891166-24-000006","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-02-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.16 quarterly dividend; Q4 2023 earnings Feb 22","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend declared at $0.16 per share, payable March 15, 2024 to holders of record March 8, 2024.","Q4 2023 and full-year 2023 earnings to be released after market close on February 22, 2024.","Earnings conference call scheduled for February 23, 2024 at 10:00 a.m. ET."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":254714,"accession_number":"0000891166-24-000004","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2024-01-03T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"UVE enters new employment agreements with CAO and CFO effective Jan 1, 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Campos (CAO/CIO): base salary $375K, annual bonus target $125K, RSU target $150K.","Wilcox (CFO): base salary $600K, annual bonus target $350K, RSU target $300K.","Both agreements run from Jan 1, 2024 to Dec 31, 2025.","Termination without Cause: 50% of base salary plus pro rata bonus and 6 months COBRA.","Non-compete, non-solicitation, and confidentiality apply for 12 months post-termination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":272184,"accession_number":"0000891166-23-000110","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-11-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.29/share dividend ($0.16 regular + $0.13 special); 2023 total $0.77","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly dividend of $0.16 and special dividend of $0.13 per share declared, total $0.29.","Payable December 15, 2023 to shareholders of record December 8, 2023.","Total dividends declared in 2023 reach $0.77 per share."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":272182,"accession_number":"0000891166-23-000104","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K/A","filed_at":"2023-11-02T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Universal Insurance board adopts annual say-on-pay frequency until 2029","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Majority of shares voted at June 8, 2023 annual meeting favored annual say-on-pay votes.","Board of Directors determined to hold advisory 'say-on-pay' votes annually.","Next required shareholder vote on frequency of say-on-pay is scheduled for 2029."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":272183,"accession_number":"0000891166-23-000092","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-10-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q3 net loss $0.20/share; premiums up 6.3% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss per common share $0.20; adjusted loss $0.16.","Direct premiums written $532.0M, +6.3% vs prior year quarter.","Net combined ratio 110.7%, 28.5-point improvement from 139.2% a year ago.","Book value per share $10.33, +21% YoY; adjusted book value $14.00, +13.5%.","Repurchased ~894k shares for $12.3M; total capital returned $17.2M including $0.16 dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":1.54,"consensus_revenue_estimate":null,"consensus_revenue_actual":1016126000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":289033,"accession_number":"0000891166-23-000082","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-07-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q2 EPS $0.93; direct premiums up 2.7% to $547.1M; combined ratio improves to 99.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.93 ($0.87 adjusted); net combined ratio 99.1%, down 1.8 pts YoY.","Direct premiums written $547.1M, up 2.7% from prior-year quarter.","Book value per share $11.12, up 17.4% vs Q4 2022; adjusted book value $14.31, up 11.0%.","Repurchased ~396k shares for $6.1M; total capital returned to shareholders $11.1M including $0.16 quarterly dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":1.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":656078000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":289032,"accession_number":"0000891166-23-000079","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-07-20T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.16 quarterly dividend, payable Aug 11, 2023","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declares cash dividend of $0.16 per share (UVE).","Payable August 11, 2023; record date August 4, 2023.","Dividend is a regular quarterly cash distribution to shareholders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":309750,"accession_number":"0000891166-23-000054","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-06-13T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"All 12 director nominees elected at Universal Insurance annual meeting; say-on-pay passes with 55% support","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 12 director nominees elected; Scott Callahan and Joel Wilentz received lowest support (~86.5% of votes cast in favor).","Advisory say-on-pay passed narrowly with ~55% of votes cast (12.4M for, 10.3M against).","Frequency of future advisory votes set at one year per shareholders' preference (18.0M votes).","Ratification of Plante & Moran as independent auditor approved overwhelmingly (25.3M for, 0.5M against)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":309749,"accession_number":"0000891166-23-000051","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-06-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance Holdings announces $20M share repurchase program through June 2025","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board authorized share repurchase of up to $20 million in common stock.","Program effective through June 10, 2025; open market purchases under Rule 10b-18.","Repurchases subject to market conditions and insider trading policy compliance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":309748,"accession_number":"0000891166-23-000049","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-05-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"UVE reinsurance program: cost ratio drops to 31.8%, retention cut $3.5M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total reinsurance cost projected at ~31.8% of direct premiums earned, down from ~37.6% last year.","Consolidated retention improved by $3.5M; UPCIC retention unchanged at $45M, APPCIC separate retention eliminated.","First event tower extends to $2.831 billion; full reinstatement on $846M for multi-event protection.","Secured $277M catastrophe capacity below FHCF extending into 2024 wind season; $150M bond in final year.","Largest private reinsurers all rated A+ or higher; no material changes to partners or terms."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":309747,"accession_number":"0000891166-23-000040","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-04-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q1 EPS $0.79; direct premiums up 3.4% to $410.1M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.79 (GAAP and adjusted); annualized adjusted ROCE 23.9%.","Direct premiums written $410.1M, up 3.4% from prior year quarter.","Book value per share $10.57, up 11.6% from Q4 2022; adjusted book value $13.52.","Annualized return on average common equity 31.7%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.79,"consensus_revenue_estimate":null,"consensus_revenue_actual":316508000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":309746,"accession_number":"0000891166-23-000037","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-04-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.16 quarterly dividend, payable May 19","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.16 per share declared by Board of Directors.","Dividend payable on May 19, 2023.","Record date is May 12, 2023 for common shareholders.","Common stock trades on NYSE under ticker UVE."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":328456,"accession_number":"0000891166-23-000019","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-02-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Universal Insurance Q4 GAAP EPS $0.82, adjusted EPS $0.72; net combined ratio improves to 101.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted GAAP EPS $0.82; adjusted EPS $0.72 for Q4 2022.","Book value per share $9.47, up 10.9% from Q3 2022; adjusted book value $12.89, up 4.5%.","Net combined ratio 101.4%, down from 131.4% in prior-year quarter.","Direct premiums written $416.1M, up 4.2% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":1222658000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":328455,"accession_number":"0000891166-23-000007","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2023-02-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Universal Insurance declares $0.16 quarterly dividend; Q4 earnings call on Feb 24","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.16 per share declared, payable Mar 16, 2023 to holders of record Mar 9, 2023.","Q4 and full year 2022 results to be released after market close on Feb 23, 2023.","Earnings conference call scheduled for Feb 24, 2023 at 9:30 a.m. ET."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":346109,"accession_number":"0000891166-22-000128","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2022-12-20T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"UVE board authorizes $8M share repurchase through Dec 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to $7,997,057 through Dec 15, 2024.","Amount represents the unused portion of the prior $20M authorization that expired Nov 2022.","Previous program repurchased slightly over $12M before expiration.","Repurchases may be in open market; subject to Rule 10b-18 and insider trading policy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":346108,"accession_number":"0000891166-22-000122","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2022-11-14T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"UVE declares regular $0.16 and special $0.13 per share dividends, total $0.29, payable Dec 16, 2022","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a regular quarterly cash dividend of $0.16/share and a special cash dividend of $0.13/share, totaling $0.29/share.","Dividends payable on December 16, 2022 to shareholders of record as of December 9, 2022.","Total regular and special dividends declared in 2022 now $0.77 per share."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":346107,"accession_number":"0000891166-22-000117","cik":891166,"company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","ticker":"UVE","form_type":"8-K","filed_at":"2022-11-07T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Universal Insurance appoints Shannon A. Brown to board as independent director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Shannon A. Brown appointed to board effective November 3, 2022.","Board determined Brown qualifies as independent under NYSE listing standards.","No committee assignments yet; will receive standard independent director compensation.","Brown will enter into an indemnification agreement with the company."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1100540000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-11-07T23:59:59+00:00|346107"}