---
schema_version: "secwatch.filing_event.v1"
accession: "0000891166-23-000019"
form_type: "8-K"
ticker: "UVE"
cik: "0000891166"
company_name: "UNIVERSAL INSURANCE HOLDINGS, INC."
filed_at: "2023-02-23T23:59:59+00:00"
generated_at: "2026-06-19T03:47:26.105958+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Universal Insurance Q4 GAAP EPS $0.82, adjusted EPS $0.72; net combined ratio improves to 101.4%

## Summary
- 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.

## SEC filing metadata
- accession: 0000891166-23-000019
- form_type: 8-K
- ticker: UVE
- cik: 0000891166
- company_name: UNIVERSAL INSURANCE HOLDINGS, INC.
- filed_at: 2023-02-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/891166/000089116623000019/0000891166-23-000019-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/891166/000089116623000019/uve-20230223.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000891166-23-000019
- JSON: https://secwatch.observer/filing/0000891166-23-000019.json
- Plain text: https://secwatch.observer/filing/0000891166-23-000019.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.