---
schema_version: "secwatch.filing_event.v1"
accession: "0000891166-25-000114"
form_type: "8-K"
ticker: "UVE"
cik: "0000891166"
company_name: "UNIVERSAL INSURANCE HOLDINGS, INC."
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:58:05.052468+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Universal Insurance Q2 2025 GAAP EPS $1.21, adjusted EPS $1.23; book value up 18.9% YoY

## Summary
- 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.

## SEC filing metadata
- accession: 0000891166-25-000114
- form_type: 8-K
- ticker: UVE
- cik: 0000891166
- company_name: UNIVERSAL INSURANCE HOLDINGS, INC.
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/891166/000089116625000114/0000891166-25-000114-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/891166/000089116625000114/uve-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000891166-25-000114
- JSON: https://secwatch.observer/filing/0000891166-25-000114.json
- Plain text: https://secwatch.observer/filing/0000891166-25-000114.txt

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