---
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"
generated_at: "2026-05-15T04:45:49.885442+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Universal Q1 GAAP EPS $1.88 vs $1.44 YoY; net combined ratio 89.7% improves 5.3 pts

## Summary
- 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.

## SEC filing metadata
- 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
- 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/891166/000089116626000042/0000891166-26-000042-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/891166/000089116626000042/uve-20260423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000891166-26-000042
- JSON: https://secwatch.observer/filing/0000891166-26-000042.json
- Plain text: https://secwatch.observer/filing/0000891166-26-000042.txt

## Key facts
- Earnings Releases
  UNIVERSAL INSURANCE HOLDINGS, INC. reported Three Months Ended March 31, 2026 results: revenue $ 393,565, net income $ 54,288, EPS $ 1.88.
  - Period: Three Months Ended March 31, 2026
  - Revenue: $ 393,565
  - Net income: $ 54,288
  - EPS: $ 1.88
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/891166/000089116626000042/0000891166-26-000042-index.htm

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