---
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"
generated_at: "2026-05-17T02:39:19.892583+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Universal Q3 EPS $1.38, net income $39.8M vs prior-year loss of $16.2M

## Summary
- 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.

## SEC filing metadata
- 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
- 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/891166/000089116625000170/0000891166-25-000170-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/891166/000089116625000170/uve-20251023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000891166-25-000170
- JSON: https://secwatch.observer/filing/0000891166-25-000170.json
- Plain text: https://secwatch.observer/filing/0000891166-25-000170.txt

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