UVE Universal Insurance (UVE) Insider Trading, Ownership & Congress Trades
Insurance · Fire, marine & casualty insurance · CIK 0000891166
Form 144 · 2
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
0
13F, latest reported quarter
What the filings say about UVE
Insiders, 180 days
-$3.6M net sold
2 sellers · 0% of sales under a 10b5-1 plan
Planned sales (Form 144), 90 days
$1.8M
2 notices
Universal Insurance insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, UNIVERSAL INSURANCE HOLDINGS, INC. insiders sold a net $3.6M of stock across 76 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 41 earlier Form 4 trades (code P or S) here by this insider (41 sales), the last on Aug 5, 2026.
- The trade is 1.8% of the 1,084,645 shares held after it.
- No other insider sold within 30 days.
Insider activity: Executive Chairman DOWNES SEAN P sold about $879.6K of UVE on Sep 11, 2026.Context
- 40 earlier Form 4 trades (code P or S) here by this insider (40 sales), the last on Jun 11, 2026.
- The trade is 1.8% of the 1,104,645 shares held after it.
- No other insider sold within 30 days.
Insider activity: Executive Chairman DOWNES SEAN P sold about $885.4K of UVE on Aug 5, 2026.Context
- 39 earlier Form 4 trades (code P or S) here by this insider (39 sales), the last on May 15, 2026.
- The trade is 1.7% of the 1,148,255 shares held after it.
- 1 other insider sold within 30 days.
Insider activity: Executive Chairman DOWNES SEAN P sold about $764.4K of UVE on Jun 11, 2026; 1 other insider sold within 30 days.Context
- 37 earlier Form 4 trades (code P or S) here by this insider (37 sales), the last on Apr 29, 2026.
- The trade is 0.0% of the 1,168,255 shares held after it.
- 1 other insider sold within 30 days.
Insider activity: Executive Chairman DOWNES SEAN P sold about $19.0K of UVE on May 15, 2026; 1 other insider sold within 30 days.Context
- 37 earlier Form 4 trades (code P or S) here by this insider (37 sales), the last on Apr 29, 2026.
- The trade is 1.7% of the 1,168,737 shares held after it.
- 1 other insider sold within 30 days.
Insider activity: Executive Chairman DOWNES SEAN P sold about $755.5K of UVE on May 15, 2026; 1 other insider sold within 30 days.76 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net -$3.6M over 180 days
-$1.8M over 90 days
below 55% of Insurance
Congress
no House purchase disclosed in the last 12 months
Funds
under five funds report holding it
Revenue
+5.5% year over year
below 63% of Insurance
Margin
11.4% net margin
more than 54% of Insurance
Buybacks
$11.7M repurchased, FY to 2026-06-30
below 91% of Insurance
Short interest
3.5% of the float short (float per yahoo 2026-10-27) · 4.2 days to cover · settled 2026-10-15
more than 60% of Insurance
What changed in the last 30 days
Nothing new filed in the last 30 days
Watch UVE
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+68.4%12M
Insider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns UVE: institutional holders (13F)
13F holdings, latest reported quarter
SEC 13F
No reported 13F holders
No fund above the reporting threshold listed this stock last quarter. That is a fact, not missing data.
Congress trades in UVE
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
UVE planned insider sales (Form 144)
Notice of intent to sell, filed before any sale
DOWNES SEAN P
Filed 2026-09-11
$876.0K
DOWNES SEAN P
Filed 2026-08-05
$883.0K
Executive pay vs shareholder return · Stephen J. Donaghy
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$5.2M
$8.7M
$4.8M
+181%
+99%
2024
$4.5M
$7.3M
$1.8M
+70%
+83%
2023
$4.4M
$7.0M
$1.6M
+24%
+44%
2022
$3.6M
$1.9M
$1.5M
-21%
+28%
2021
$3.5M
$3.2M
$723.9K
+18%
+23%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $3.6M sold by insiders over 180 days, $1.8M in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
UVE financials
Revenue growth
+5.5%
XBRL, annual
Net margin
11.4%
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$1.6B
four quarters, 2025-07-01 to 2026-06-30
Revenue, TTM UVE
| FY Dec 2025 | $1.6B |
| FY Dec 2024 | $1.5B |
| FY Dec 2023 | $1.4B |
| FY Dec 2022 | $1.2B |
| FY Dec 2021 | $1.1B |
| Jun 2026 | $427.0M |
| Mar 2026 | $393.6M |
| Dec 2025 | $407.9M |
| Sep 2025 | $401.0M |
| Jun 2025 | $400.1M |
| Mar 2025 | $394.9M |
| Dec 2024 | $384.8M |
| Sep 2024 | $387.6M |
At each fiscal year end
Single quarter
Net margin, TTM
+13.5%
net income over revenue, 2025-07-01 to 2026-06-30
Net margin, TTM UVE
| FY Dec 2025 | +11.4% |
| FY Dec 2024 | +3.9% |
| FY Dec 2023 | +4.8% |
| FY Dec 2022 | -1.8% |
| FY Dec 2021 | +1.8% |
| Jun 2026 | +13.9% |
| Mar 2026 | +13.8% |
| Dec 2025 | +16.3% |
| Sep 2025 | +9.9% |
| Jun 2025 | +8.8% |
| Mar 2025 | +10.5% |
| Dec 2024 | +1.6% |
| Sep 2024 | -4.2% |
At each fiscal year end
Single quarter
Free cash flow, TTM
$339.7M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM UVE
| FY Dec 2025 | $377.1M |
| FY Dec 2024 | $130.0M |
| FY Dec 2023 | $67.0M |
| FY Dec 2022 | $319.6M |
| FY Dec 2021 | $227.2M |
| Jun 2026 | $100.2M |
| Mar 2026 | $153.2M |
| Dec 2025 | $25.0M |
| Sep 2025 | $61.3M |
| Jun 2025 | $105.2M |
| Mar 2025 | $185.5M |
| Dec 2024 | -$102.2M |
| Sep 2024 | $81.0M |
At each fiscal year end
Single quarter
Debt to equity
0.15x
long-term debt only, 2026-06-30; equity 2026-06-30
Debt to equity UVE
| FY Dec 2025 | 0.18x |
| FY Dec 2024 | 0.27x |
| FY Dec 2023 | 0.30x |
| FY Dec 2022 | 0.36x |
| FY Dec 2021 | 0.24x |
| Jun 2026 | 0.15x |
| Mar 2026 | 0.17x |
| Dec 2025 | 0.18x |
| Sep 2025 | 0.20x |
| Jun 2025 | 0.22x |
| Mar 2025 | 0.24x |
| Dec 2024 | 0.27x |
| Sep 2024 | 0.25x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
3.52x
TTM operating cash flow over long-term debt only, 2026-06-30
Cash flow to debt UVE
| FY Dec 2025 | 3.80x |
| FY Dec 2024 | 1.36x |
| FY Dec 2023 | 0.70x |
| FY Dec 2022 | 3.16x |
| FY Dec 2021 | 2.26x |
| Jun 2026 | 3.52x |
| Mar 2026 | 3.49x |
| Dec 2025 | 3.80x |
| Sep 2025 | 2.52x |
| Jun 2025 | 2.72x |
| Mar 2025 | 2.39x |
| Dec 2024 | 1.36x |
| Sep 2024 | 2.36x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+40.2%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity UVE
| FY Dec 2025 | +39.6% |
| FY Dec 2024 | +16.5% |
| FY Dec 2023 | +21.2% |
| FY Dec 2022 | -6.2% |
| FY Dec 2021 | +4.6% |
| Jun 2026 | +40.2% |
| Mar 2026 | +38.9% |
| Dec 2025 | +39.6% |
| Sep 2025 | +27.3% |
| Jun 2025 | +15.6% |
| Mar 2025 | +17.0% |
| Dec 2024 | +16.5% |
| Sep 2024 | +20.8% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+6.7%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets UVE
| FY Dec 2025 | +6.4% |
| FY Dec 2024 | +2.3% |
| FY Dec 2023 | +2.6% |
| FY Dec 2022 | -0.9% |
| FY Dec 2021 | +1.1% |
| Jun 2026 | +6.7% |
| Mar 2026 | +7.1% |
| Dec 2025 | +6.4% |
| Sep 2025 | +4.3% |
| Jun 2025 | +2.2% |
| Mar 2025 | +2.8% |
| Dec 2024 | +2.3% |
| Sep 2024 | +2.8% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital UVE
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed UVE
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
6.23x
close 2026-10-27 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing UVE
| FY Dec 2025 | 5.36x |
| FY Dec 2024 | 10.58x |
| FY Dec 2023 | 7.26x |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 26.56x |
| Jun 2026 | 5.46x |
| Mar 2026 | 5.06x |
| Dec 2025 | 5.36x |
| Sep 2025 | 6.20x |
| Jun 2025 | 12.11x |
| Mar 2025 | 10.35x |
| Dec 2024 | 10.58x |
| Sep 2024 | 9.01x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$879.6M
market value at close 2026-10-27 on 2026-07-27 shares, plus long-term debt only, 2026-06-30, minus cash 2026-06-30
Enterprise value UVE
| FY Dec 2025 | $639.7M |
| FY Dec 2024 | $437.5M |
| FY Dec 2023 | $171.1M |
| FY Dec 2022 | $37.2M |
| FY Dec 2021 | $383.0M |
| Jun 2026 | $720.1M |
| Mar 2026 | $461.3M |
| Dec 2025 | $639.7M |
| Sep 2025 | $440.3M |
| Jun 2025 | $514.2M |
| Mar 2025 | $368.7M |
| Dec 2024 | $437.5M |
| Sep 2024 | $399.0M |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+25.9%
TTM free cash flow over market value at close 2026-10-27
FCF yield UVE
| FY Dec 2025 | +39.8% |
| FY Dec 2024 | +21.8% |
| FY Dec 2023 | +14.4% |
| FY Dec 2022 | +98.9% |
| FY Dec 2021 | +42.9% |
| Jun 2026 | +29.4% |
| Mar 2026 | +36.0% |
| Dec 2025 | +39.8% |
| Sep 2025 | +33.5% |
| Jun 2025 | +34.5% |
| Mar 2025 | +35.4% |
| Dec 2024 | +21.8% |
| Sep 2024 | +36.7% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.03x
P/E over trailing EPS growth of 231%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing UVE
| FY Dec 2025 | 0.02x |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 1.86x |
| Jun 2026 | 0.02x |
| Mar 2026 | 0.03x |
| Dec 2025 | 0.02x |
| Sep 2025 | 0.09x |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | 1.76x |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Revenue | $1.6B | $1.5B | $1.4B | $1.2B |
| Net income | $183.0M | $58.9M | $66.8M | -$22.3M |
| EPS (diluted) | 6.32 | 2.01 | 2.22 | -0.72 |
| Operating cash flow | $381.5M | $137.4M | $71.0M | $324.5M |
| Cash | $408.9M | $259.4M | $397.3M | $388.7M |
| Long-term debt | $100.5M | $101.2M | $102.0M | $102.8M |
| Buybacks | $22.4M | $21.9M | $22.0M | $11.6M |
| Dividends paid | $22.2M | $22.3M | $23.3M | $23.8M |
SEC XBRL, fiscal years, as known on 2026-10-28
UVE Stock Sonar score 5/7 axes
Find similar shapesCompareUVE ranks highest on profitability (87th percentile) and financial health (82nd), and lowest on insider conviction (22nd), among Insurance peers.
5 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
UVE filings, in plain words
Are Universal Insurance insiders buying or selling UVE?
In the 180 days to 2026-10-28, Universal Insurance insiders were net sellers, a net $3.6M across purchases and sales reported on Form 4, by 2 sellers.
Are there planned insider sales of UVE?
Yes. 2 Form 144 notices of planned insider sales were filed in the 90 days to 2026-10-28, covering $1.8M of stock; the latest, by DOWNES SEAN P, was filed 2026-09-11.
Read the full summary
In the 180 days to 2026-10-28, Universal Insurance insiders were net sellers of UVE, a net $3.6M across purchases and sales reported on Form 4 by 2 sellers. None of the 7 insider sales was flagged as made under a Rule 10b5-1 plan. Insiders filed 2 Form 144 notices of intent to sell in the 90 days to 2026-10-28, covering $1.8M of stock. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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