Universal Insurance Hldg, Inc. is classed by the SEC under Fire, Marine & Casualty Insurance (industry code 6331), based in Fort Lauderdale, FL. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.6 billion and a profit of $183 million (its filed statements).
Insurance businessFire, Marine & Casualty InsuranceFort Lauderdale, FLfilings since 19969 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6331, Fire, Marine & Casualty Insurance); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.5 out of ten, 9 of 9 metrics filed: past 7.2 out of ten, present 6.0 out of ten, future 6.3 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.3 out of ten. No warning events in its filings since 2017. 73rd percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.5 out of ten. +9.9% a year over 10 filed years; profitable in 9 of 10. 75th percentile among 56 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 6.8 out of ten. Share count shrank 2.0% a year. 23% of cash flow returned. Insiders: 23 sales, 0 purchases. 68th percentile among 49 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 6.0 out of ten. ROE 33%: 33¢ of profit per shareholder dollar. Leverage 81%: owes 81¢ per asset dollar. 60th percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 4.5 out of ten. bottom 45% of 60 in its family; net margin 11.4%. 45th percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 8.2 out of ten. top 18% of 47 in its family for leadership; chief executive since 2019. 82nd percentile among 47 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 7.8 out of ten. top 22% of 60 in its family for room to expand. 78th percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.8 out of ten. bottom 38% of 56 in its family for growth drivers. 38th percentile among 56 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 7.2 out of ten. top 28% of 56 in its family for expectations against reality. 72nd percentile among 56 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-30 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 (on EDGAR). Newest filing: Form 424B3, 2026-09-21. Filings on record since 1996. Read from EDGAR 2026-10-12.
Who runs it
Donaghy, Stephen (CEO); Downes, Sean P (Executive Chairman); Springer, Jon (President and CRO); Wilcox, Frank (CFO); Campos, Kimberly D (CIO & CAO); Ropiecki, Gary Lloyd (Principal Accounting Officer); Barton, Carol G (director); Brown, Shannon A (director); Callahan, Scott P. (director); Gordon, Marlene (director); and 4 more. 14 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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