NYSE$UVE
Universal Insurance Holdings Inc · Q1 2026 earnings
Q1 2026 earnings · · Investor relations
Briefing
Universal Insurance reported Q1 2026 total revenues of $393.6M and net income of $54.3M, with diluted EPS of $1.88.
Total revenues were $393.6 million with net income of $54.3 million versus $41.4 million. Diluted EPS was $1.88 ($1.44 prior year). The Florida-focused insurer benefited from premium growth and favorable loss experience relative to catastrophe seasons.
- Total revenues $393.6M; net income $54.3M.
- Diluted EPS $1.88 (+31% YoY).
- Florida homeowners and commercial lines focus.
- Underwriting and investment income support results.
Headline financials
Revenue & EPS history
Universal Insurance · Revenue · Quarterly
$394M
Revenue by segment
Universal Insurance · $16.1M total across 3 segments · Q2 2020
- Commission Revenue$7.76M—48.1%
- Policy Fees$6.55M—40.6%
- Other Revenue$1.81M—11.2%
Forward guidance
P&C outlook discusses Florida regulatory environment and reinsurance costs; no formal EPS guide.
Tailwinds
- EPS growth on stronger underwriting.
- Premium base expanding.
- Investment portfolio supports net income.
Headwinds
- Catastrophe and hurricane season risk.
- Florida regulatory and litigation exposure.
- Reinsurance pricing volatility.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q1 2026
+0.5%
Avg return
Earnings day
+3.4%
Avg return
5 days after
+4.4%
Avg return
30 days after
57%
37 / 65 earnings
Positive
+22.0%
Q4 2023
Best reaction
-21.4%
Q3 2020
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -5.0% | -5.3% | -10.3% | |
| Q4 2025 | +2.8% | +13.9% | +5.5% | |
| Q3 2025 | +11.3% | +9.8% | +16.5% | |
| Q2 2025 | -3.1% | +0.5% | +4.2% | |
| Q1 2025 | +1.0% | +3.6% | +12.4% | |
| Q4 2024 | +9.3% | +8.5% | +13.8% | |
| Q3 2024 | -2.0% | +2.4% | +16.6% | |
| Q2 2024 | -1.6% | +4.0% | +8.4% | |
| Q1 2024 | -3.6% | -3.7% | -3.4% | |
| Q4 2023 | +22.0% | +18.6% | +14.2% | |
| Q3 2023 | -0.7% | +10.3% | +18.5% | |
| Q2 2023 | -5.2% | -2.8% | -18.7% | |
| Q1 2023 | -17.0% | -13.1% | -19.0% | |
| Q4 2022 | +21.5% | +56.1% | +47.4% | |
| Q3 2022 | +1.9% | +5.4% | +12.8% | |
| Q2 2022 | +6.8% | +6.5% | +7.1% | |
| Q1 2022 | +4.1% | +4.2% | +5.7% | |
| Q4 2021 | -3.1% | -25.8% | -29.0% | |
| Q3 2021 | +7.6% | +8.5% | +13.4% | |
| Q2 2021 | +5.7% | +4.9% | +9.4% | |
| Q1 2021 | +2.1% | +6.3% | +3.8% | |
| Q4 2020 | +5.2% | +3.7% | +6.0% | |
| Q3 2020 | -21.4% | -11.6% | +4.4% | |
| Q2 2020 | +2.8% | +3.2% | +9.9% | |
| Q1 2020 | +4.4% | +1.3% | +6.8% | |
| Q4 2019 | -0.7% | +8.3% | -22.6% | |
| Q3 2019 | -7.3% | -5.8% | -0.5% | |
| Q2 2019 | -0.4% | +5.3% | -0.6% | |
| Q1 2019 | +0.0% | -1.1% | -5.8% | |
| Q4 2018 | -15.4% | -18.7% | -20.0% | |
| Q3 2018 | -8.3% | -8.6% | -7.3% | |
| Q2 2018 | +11.4% | +17.5% | +20.3% | |
| Q1 2018 | +3.5% | +2.0% | +10.3% | |
| Q4 2017 | +6.9% | +3.4% | +8.6% | |
| Q3 2017 | +7.9% | +8.5% | +10.9% | |
| Q2 2017 | +0.6% | +2.8% | -4.2% | |
| Q1 2017 | +13.8% | +13.8% | +8.7% | |
| Q4 2016 | +4.8% | +4.2% | -8.6% | |
| Q3 2016 | -5.0% | -7.2% | +15.6% | |
| Q2 2016 | +5.4% | +3.3% | +15.9% | |
| Q1 2016 | -1.4% | — | — | |
| Q4 2015 | +5.9% | — | — | |
| Q3 2015 | -12.0% | — | — | |
| Q2 2015 | +8.5% | — | — | |
| Q1 2015 | +3.9% | — | — | |
| Q4 2014 | +11.5% | — | — | |
| Q3 2014 | +13.5% | — | — | |
| Q2 2014 | +4.4% | — | — | |
| Q1 2014 | -14.4% | — | — | |
| Q4 2013 | +5.4% | — | — | |
| Q3 2013 | +0.5% | — | — | |
| Q2 2013 | +6.3% | — | — | |
| Q1 2013 | +4.4% | — | — | |
| Q4 2012 | +4.0% | — | — | |
| Q3 2012 | +3.4% | — | — | |
| Q2 2012 | +1.5% | — | — | |
| Q1 2011 | -0.3% | — | — | |
| Q1 2012 | +2.1% | — | — | |
| Q4 2011 | -11.9% | — | — | |
| Q4 2009 | -11.9% | — | — | |
| Q3 2010 | -10.9% | — | — | |
| Q3 2011 | -10.9% | — | — | |
| Q2 2010 | -10.2% | — | — | |
| Q4 2010 | -10.2% | — | — | |
| Q2 2011 | -10.2% | — | — |
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