{"schema_version":"secwatch.filing_event.v1","accession":"0000891166-26-000042","form_type":"8-K","ticker":"UVE","cik":"0000891166","company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.890182+00:00","generated_at":"2026-05-15T04:45:49.885442+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 Q1 GAAP EPS $1.88 vs $1.44 YoY; net combined ratio 89.7% improves 5.3 pts","bullets":["Diluted GAAP EPS of $1.88, adjusted EPS $2.00; net income $54.3M up 31% YoY.","Direct premiums written $506.5M (+8.5% YoY); policies in force up 5.8% to 915,306.","Net combined ratio 89.7% (down 5.3 pts) on lower loss ratio of 63.9% (down 6.6 pts).","Book value per share $20.95, up 39.9% YoY; quarterly dividend $0.16/sh declared.","Completed 2026-2027 reinsurance renewal; secured $352M additional multi-year coverage."],"urls":{"canonical":"https://secwatch.observer/filing/0000891166-26-000042","json":"https://secwatch.observer/filing/0000891166-26-000042.json","markdown":"https://secwatch.observer/filing/0000891166-26-000042.md","text":"https://secwatch.observer/filing/0000891166-26-000042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/891166/000089116626000042/0000891166-26-000042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/891166/000089116626000042/uve-20260423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:45:49.885442+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":[{"claim_id":"24495df584d47b58d57b87d5b52fe98053cb1b8a","claim":"UNIVERSAL INSURANCE HOLDINGS, INC. reported Three Months Ended March 31, 2026 results: revenue $ 393,565, net income $ 54,288, EPS $ 1.88.","evidence_excerpt":"Three Months Ended March 31, 2026 2025 Change GAAP comparison Total revenues $ 393,565 $ 394,867 (0.3) % Operating income (loss) $ 73,287 $ 57,068 28.4 % Operating income (loss) margin 18.6 % 14.5 % 4.1 pts Net income (loss) available to common stockholders $ 54,288 $ 41,436 31.0 % Diluted earnings (loss) per common share $ 1.88 $ 1.44 30.6 %","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/891166/000089116626000042/0000891166-26-000042-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Three Months Ended March 31, 2026"},{"label":"Revenue","value":"$ 393,565"},{"label":"Net income","value":"$ 54,288"},{"label":"EPS","value":"$ 1.88"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}