---
schema_version: "secwatch.filing_event.v1"
accession: "0000891166-25-000021"
form_type: "8-K"
ticker: "UVE"
cik: "0000891166"
company_name: "UNIVERSAL INSURANCE HOLDINGS, INC."
filed_at: "2025-02-25T23:59:59+00:00"
generated_at: "2026-05-26T05:19:22.101735+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Universal Insurance Q4 GAAP EPS $0.21, adj EPS $0.25; premiums up 8.8% YoY

## Summary
- 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.

## SEC filing metadata
- accession: 0000891166-25-000021
- form_type: 8-K
- ticker: UVE
- cik: 0000891166
- company_name: UNIVERSAL INSURANCE HOLDINGS, INC.
- filed_at: 2025-02-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/891166/000089116625000021/0000891166-25-000021-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/891166/000089116625000021/uve-20250225.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000891166-25-000021
- JSON: https://secwatch.observer/filing/0000891166-25-000021.json
- Plain text: https://secwatch.observer/filing/0000891166-25-000021.txt

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