Recent 8-K filings for UVE

• May 28, 2026, 4:16 PM ET other material materiality 0.63 positive item 8.01item 9.01

  Universal Insurance subsidiaries complete 2026-2027 reinsurance program with $2.623B tower, $45M retention

  Combined first-event tower increased ~$50M to $2.623 billion; first-event statutory retention unchanged at $45M.

• April 23, 2026, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01 ◈ Earnings Releases

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

  Diluted GAAP EPS of $1.88, adjusted EPS $2.00; net income $54.3M up 31% YoY.

• February 24, 2026, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Universal Insurance Q4 2025 EPS $2.28; book value up 48% YoY

  GAAP diluted EPS $2.28; adjusted diluted EPS $2.17 for Q4 2025.

• November 6, 2025, 6:59 PM ET dividend materiality 0.60 positive item 7.01item 9.01

  Universal declares $0.29/sh total dividend ($0.16 regular + $0.13 special)

  Regular quarterly dividend of $0.16/sh and special dividend of $0.13/sh declared.

• October 23, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

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

  Net income $39.8M vs loss $16.2M; diluted EPS $1.38 vs ($0.57) YoY.

• May 29, 2025, 7:59 PM ET other material materiality 0.70 positive item 8.01item 9.01

  UVE insurance subsidiaries complete 2025-2026 reinsurance program; tower increased to $2.526B

  All States first event retention remains unchanged at $45M.

• April 24, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Universal Insurance Q1 net income up 23% to $41.4M; EPS $1.44

  Diluted GAAP EPS $1.44 vs $1.14; adjusted EPS $1.44; net income $41.4M, up 23.1%.

• February 25, 2025, 6:59 PM ET earnings materiality 0.60 positive item 2.02item 9.01

  Universal Insurance Q4 GAAP EPS $0.21, adj EPS $0.25; premiums up 8.8% YoY

  Direct premiums written $470.9M, up 8.8% YoY.

• October 24, 2024, 7:59 PM ET earnings materiality 0.70 negative item 2.02item 9.01

  Universal Insurance posts Q3 loss of $0.57 per share; direct premiums up 8% to $574M

  Loss per common share of $0.57; adjusted loss per common share of $0.73.

• July 25, 2024, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 9.01

  Universal Q2 GAAP EPS $1.21, adjusted $1.18; premiums up 5.7% YoY

  GAAP EPS of $1.21; diluted adjusted EPS of $1.18.

• April 25, 2024, 7:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01 ◈ Earnings Releases

  Universal Insurance Q1 EPS $1.14, direct premiums up 8.8% to $446.2M

  Diluted GAAP EPS of $1.14; adjusted EPS of $1.07.

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.75 · Median 0.50 · Most common event dividend

13 positive 1 negative 12 neutral

source · UVE on sec.gov