---
schema_version: "secwatch.filing_event.v1"
accession: "0000891166-26-000085"
form_type: "8-K"
ticker: "UVE"
cik: "0000891166"
company_name: "UNIVERSAL INSURANCE HOLDINGS, INC."
filed_at: "2026-07-23T20:15:24+00:00"
generated_at: "2026-07-23T20:16:08.114196+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Universal Insurance Q2 EPS $2.04, revenue up 6.7%; combined ratio improves to 91.6%

## Summary
- Diluted GAAP EPS of $2.04 vs $1.21 prior year; adjusted EPS $1.84 vs $1.23.
- Total revenues $427M, up 6.7%; net premiums earned $377.3M, up 4.7%.
- Net loss ratio improved 7.5 pts to 64.8%; combined ratio 91.6% vs 97.8%.
- Direct premiums written $621.3M, up 4.1%; policies in force up 7.1% to 934k.
- Book value per share $22.89, up 39.7% YoY; quarterly dividend $0.16/share declared.

## SEC filing metadata
- accession: 0000891166-26-000085
- form_type: 8-K
- ticker: UVE
- cik: 0000891166
- company_name: UNIVERSAL INSURANCE HOLDINGS, INC.
- filed_at: 2026-07-23T20:15:24+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/891166/000089116626000085/0000891166-26-000085-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/891166/000089116626000085/uve-20260723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000891166-26-000085
- JSON: https://secwatch.observer/filing/0000891166-26-000085.json
- Plain text: https://secwatch.observer/filing/0000891166-26-000085.txt

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