{"schema_version":"secwatch.filing_event.v1","accession":"0000891166-25-000170","form_type":"8-K","ticker":"UVE","cik":"0000891166","company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.512772+00:00","generated_at":"2026-05-17T02:39:19.892583+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Universal Q3 EPS $1.38, net income $39.8M vs prior-year loss of $16.2M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000891166-25-000170","json":"https://secwatch.observer/filing/0000891166-25-000170.json","markdown":"https://secwatch.observer/filing/0000891166-25-000170.md","text":"https://secwatch.observer/filing/0000891166-25-000170.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/891166/000089116625000170/0000891166-25-000170-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/891166/000089116625000170/uve-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:39:19.892583+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}