Research / Stocks / UVE UVE NYSE CIK 0000891166
UNIVERSAL INSURANCE HOLDINGS, INC. · Fire, Marine & Casualty Insurance
COVERAGE / STANDARD
Latest filing 10-Q · Oct 29, 2026
Research state Latest filing analysis is current
Last SEC check Nov 3, 2026
Filing → research 85 min
Data basis Official SEC · no quote feed Component status Filing Evidence Research Current Official SEC filing history is available
Structured Financials Research Current Validated structured financial research is available
Filing Analysis Research Current No filing analysis job is currently running
Fundamental State Research Current Fundamental State depends on validated comparable financial metrics
RESEARCH SNAPSHOT UNIVERSAL INSURANCE HOLDINGS, INC.'s latest supported as-filed period reports revenue of $439.3M . Every value below links to its SEC accession and metric lineage.
Deterministic / evidence backed Key research observations No material rule-based research observation currently meets GrossPattern's Insight value threshold. Current state, direction, and filing evidence remain available below.
Current configuration / point in time Fundamental state A multidimensional view of the latest comparable filing—not a composite score or recommendation.
Cash RAW Current state valid · history insufficient
Method Level · gp.fundamentals.cash
Raw value $569.5M · CORE
Policy-benefit growth RAW Current state valid · history insufficient
Method Yoy · gp.insurance.policy_benefits
Raw value 3.25% · OPTIONAL
Debt RAW Current state valid · history insufficient
Method Level · gp.fundamentals.gross_debt
Raw value $97.3M · OPTIONAL
Net-income growth RAW Current state valid · history insufficient
Method Yoy · gp.fundamentals.net_income
Raw value 31.83% · CORE
Premium growth RAW Current state valid · history insufficient
Method Yoy · gp.insurance.premiums
Raw value 12.10% · CORE
Revenue growth RAW Current state valid · history insufficient
Method Yoy · gp.fundamentals.revenue
Raw value 9.56% · CORE
Inspect state history and evidence → 6 dimension transitions in this filing Deterministic multi-period research Company direction Business direction, financial quality, capital allocation, and governance evidence remain separate—never collapsed into a recommendation score.
As filed Sep 30, 2026 Insurance
Company Direction 6 evidence-backed dimensions Cash Inflecting Claims Growth Deteriorating Debt Stable Earnings Growth Inflecting Premium Growth Improving [email protected] · 4 historical states · 38% confidenceFinancial Quality 2 evidence-backed dimensions Claims Growth Deteriorating Earnings Growth Inflecting [email protected] · 4 historical states · 38% confidenceGovernance Evidence 3 evidence-backed dimensions Filing Amendments None Detected Auditor Changes None Detected Insider Activity Observed [email protected] · 4 historical states · 50% confidenceInterpretation boundary Direction describes measurable company fundamentals. Governance reports observable evidence only; it does not grade management character or predict stock returns.
INSIDER STATE / 90D Recent disclosed activity
Open-market purchases 0
Sales 2
Distinct buyers 0
Repeat buyer NO Conservative Form 4 classification · not a sentiment label Flagship analysis / V3 What changed? The most important deterministic changes, ranked by magnitude, issuer history, persistence, and accounting profile.
Current 10-Q 0000891166-26-000094 24 governed changes · top 7 shown
01
MEDIUM IMPORTANCE Cash 33TH HISTORICAL PCTL · N=3
Cash & equivalents increased 40.6% Cash & equivalents changed +40.6% from the comparable as-filed period.
Why this ranks medium
Magnitude 25
Metric Family 15
Denominator Penalty 0
Historical Unusualness 0
Persistence Or Reversal 5
Significance Percent Of Revenue 37.40949059794818799095873386
Financial Statement Significance 10
Lowest Level false
Sample Count 3
Highest Level true
Largest Decline false
Largest Increase false
Reversal After Periods 0
Consecutive Direction Periods 3 [email protected] · [email protected] $405.1M → $569.5M Comparable → current
02
MEDIUM IMPORTANCE Cash 33TH HISTORICAL PCTL · N=3
Cash & equivalents increased 45.0% Cash & equivalents changed +45.0% from the comparable as-filed period.
Why this ranks medium
Magnitude 25
As-filed financials Financial trajectory Each point keeps the date investors could first observe it and its accession.
As filed Current normalized · later
Capex / revenue 0.25% +16.3% ↑ Capital expenditure $1.1M +19.6% ↑ Cash & equivalents $569.5M +7.0% ↑ Debt $97.9M -2.4% ↓ Free-cash-flow proxy $82.0M -18.2% ↓ Interest expense $1.6M -0.2% ↓ Net income $52.5M -11.3% ↓ Operating cash flow $83.0M -17.9% ↓
ACTIVE TRACE Revenue UVE · as filed with the SEC · reported-date aware
Capex / revenue Q3 / 2026-09-30 0.25% +16.3% sequential point Trace ↗ Evidence inspector
Loading lineage… × Capital expenditure Q3 / 2026-09-30 $1.1M +19.6% sequential point Trace ↗ Evidence inspector
Loading lineage… × Cash & equivalents Q3 / 2026-09-30 $569.5M +7.0% sequential point Trace ↗ Evidence inspector
Loading lineage… × Debt Q2 / 2026-06-30 $97.9M -2.4% sequential point Trace ↗ Evidence inspector
Loading lineage… × Free-cash-flow proxy Q3 / 2026-09-30 $82.0M -18.2% sequential point Trace ↗ Evidence inspector
Loading lineage… × Interest expense Q3 / 2024-09-30 $1.6M -0.2% sequential point Trace ↗ Evidence inspector
Loading lineage… × Net income Q3 / 2026-09-30 $52.5M -11.3% sequential point Trace ↗ Evidence inspector
Loading lineage… × Operating cash flow Q3 / 2026-09-30 $83.0M -17.9% sequential point Trace ↗ Evidence inspector
Loading lineage… × Policy benefits and claims Q3 / 2026-09-30 $260.5M +6.5% sequential point Trace ↗ Evidence inspector
Loading lineage… × Premiums earned Q3 / 2026-09-30 $403.2M +6.9% sequential point Trace ↗ Evidence inspector
Loading lineage… × Revenue Q3 / 2026-09-30 $439.3M +2.9% sequential point Trace ↗ Evidence inspector
Loading lineage… × Selling, general & administrative Q1 / 2025-03-31 $87.2M -74.5% sequential point Trace ↗ Evidence inspector
Loading lineage… × Primary evidence Filing timeline Direct SEC links, filing dates, report periods, and amendment flags.
10-Q Oct 29, 2026 Period Sep 30, 2026 0000891166-26-000094SEC ↗ 8-K Oct 22, 2026 Period Oct 22, 2026 0000891166-26-000092SEC ↗ 4 Sep 11, 2026 Period Sep 11, 2026 0001287040-26-000012SEC ↗ 4 Aug 7, 2026 Period Aug 5, 2026 0000891166-26-000090SEC ↗ 4 Jul 30, 2026 Period Jul 28, 2026 0001287040-26-000009SEC ↗ 10-Q Jul 30, 2026 Period Jun 30, 2026 0000891166-26-000088SEC ↗ 8-K Jul 23, 2026 Period Jul 23, 2026 0000891166-26-000085SEC ↗ Form 4 Insider activity Transaction semantics distinguish purchases, sales, awards, exercises, withholding, and derivatives.
“Insider purchase” rule Code P · non-derivative · acquired · direct ownership · positive price and shares · not amended
Inspectable by design
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