Universal Insurance Holdings Balance Sheet Health
Financial Health criteria checks 4/6
Universal Insurance Holdings has a total shareholder equity of $457.8M and total debt of $100.9M, which brings its debt-to-equity ratio to 22%. Its total assets and total liabilities are $3.3B and $2.8B respectively. Universal Insurance Holdings's EBIT is $97.5M making its interest coverage ratio 15.1. It has cash and short-term investments of $367.1M.
Key information
22.03%
Debt to equity ratio
US$100.86m
Debt
| Interest coverage ratio | 15.1x |
| Cash | US$367.11m |
| Equity | US$457.81m |
| Total liabilities | US$2.82b |
| Total assets | US$3.28b |
Recent financial health updates
No updates
Recent updates
Universal Insurance Holdings (NYSE:UVE) Is Paying Out A Dividend Of $0.16
Jul 13
Universal Insurance Holdings (NYSE:UVE) Has Affirmed Its Dividend Of $0.16
May 02Universal Insurance Holdings' (NYSE:UVE) Dividend Will Be $0.16
Apr 18Universal Insurance Holdings: Balanced And Strategic Growth, But I'll Wait For A Dip
Apr 01Universal Insurance Holdings: Needs Profitable Underwriting
Mar 21Universal Insurance Holdings (NYSE:UVE) Is Due To Pay A Dividend Of $0.16
Feb 10Universal Insurance Holdings, Inc. (NYSE:UVE) Held Back By Insufficient Growth Even After Shares Climb 28%
Nov 09
Expanding Market Presence And Stability Amid Analyst Concerns Over Future Revenue And Profitability Risks
Broadening market base outside of Florida suggests potential for significant revenue expansion through direct premiums written and earned.Here's Why Universal Insurance Holdings (NYSE:UVE) Has Caught The Eye Of Investors
Sep 19Universal Insurance Continues Its Profitable Resurgence
Sep 03Universal Insurance Holdings (NYSE:UVE) Is Due To Pay A Dividend Of $0.16
Jul 27Universal Insurance Holdings: Impressive Profitability At A Premium Valuation
Jun 11Improved Revenues Required Before Universal Insurance Holdings, Inc. (NYSE:UVE) Stock's 27% Jump Looks Justified
Mar 09Universal Insurance: A 4% Dividend Yield Gem With Revenue Growth, For Under $20
Jan 20Universal Insurance Holdings: Still Undervalued After The YTD Rise Of 62%
Nov 21Financial Position Analysis
Short Term Liabilities: UVE's short term assets ($1.5B) do not cover its short term liabilities ($2.7B).
Long Term Liabilities: UVE's short term assets ($1.5B) exceed its long term liabilities ($141.9M).
Debt to Equity History and Analysis
Debt Level: UVE has more cash than its total debt.
Reducing Debt: UVE's debt to equity ratio has increased from 1.7% to 22% over the past 5 years.
Debt Coverage: UVE's debt is well covered by operating cash flow (271.9%).
Interest Coverage: UVE's interest payments on its debt are well covered by EBIT (15.1x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/08/14 13:25 |
| End of Day Share Price | 2025/08/14 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Universal Insurance Holdings, Inc. is covered by 3 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jon Paul Newsome | Piper Sandler Companies |
| Robert Paun | Sidoti & Company, LLC |
| Ganesh D.N. | Virtua Research Inc. |