Universal Insurance Holdings, Inc. (UVE) Balance Sheet
UVE balance sheet, 2025
December 31, 2025 · U.S. dollars$2.84B assets = $2.29B liabilities + $551.0M equity
Both columns are drawn to the same scale: what UVE owns equals what it owes plus shareholders’ equity. Hover a block for its value.
UVE financial health
Descriptive bands, not a rating. Fiscal 2025.
UVE balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.06B2016 | $2.84B2025 | +11.6%/yr | |
| Total liabilities | $688.8M2016 | $2.29B2025 | +14.3%/yr | |
| Shareholders’ equity | $371.2M2016 | $551.0M2025 | +4.5%/yr | |
| Cash & short-term investments | $110.7M2016 | $571.8M2025 | +20.0%/yr | |
| Total debt | $15.0M2016 | $100.5M2025 | +23.5%/yr | |
| Net cash (debt) | $95.7M2016 | $471.3M2025 | +$375.6M | |
| Working capital | $89.7M2016 | −$906.2M2025 | −$995.9M | |
| Book value per share | $10.412016 | $19.132025 | +7.0%/yr | |
| Debt / equity | 0.042016 | 0.182025 | +0.14 | |
| Shares outstanding | 35.6M2016 | 28.8M2025 | −2.3%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
UVE assets
UVE liabilities and equity
UVE debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
UVE balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $571.8M | $419.4M | $1.46B | $1.40B | $250.5M | $167.2M | $182.1M | $166.4M | $223.5M | $110.7M |
| Cash & equivalents | $408.9M | $259.4M | $397.3M | $388.7M | $250.5M | $167.2M | $182.1M | $166.4M | $213.5M | $105.7M |
| Short-term investments | $162.9M | $160.0M | $1.06B | $1.01B | $1.04B | $819.9M | $855.3M | $820.4M | $10.0M | $5.0M |
| Receivables | $308.6M | $705.6M | $296.2M | $880.0M | $250.5M | $227.3M | $257.1M | $478.5M | $238.9M | $63.0M |
| Inventory | $0 | $0 | −$787.7M | $1.01B | −$370.1M | −$312.5M | −$390.2M | $469.2M | −$334.4M | −$225.2M |
| Other current assets | $360.0M | $484.1M | $1.03B | $0 | $370.1M | $312.5M | $390.2M | $362.4M | $343.9M | $225.2M |
| Total current assets | $1.24B | $1.61B | $2.00B | $2.57B | $501.0M | $394.5M | $439.2M | $1.48B | $471.9M | $173.8M |
| Property, plant & equipment (net) | $49.3M | $48.7M | $47.6M | $51.4M | $53.7M | $53.6M | $41.4M | $35.0M | $32.9M | $32.2M |
| Goodwill & intangible assets | $130.9M | $121.2M | $1.05B | $106.0M | $111.1M | $112.9M | $94.2M | $87.0M | $75.4M | −$10.7M |
| Long-term investments | $1.53B | $1.36B | $1.16B | $1.10B | $1.09B | $919.9M | $914.6M | $908.2M | $730.0M | $635.2M |
| Other non-current assets | $0 | $0 | $0 | $0 | $302.5M | $277.9M | $230.5M | $0 | $144.9M | $229.6M |
| Total assets | $2.84B | $2.84B | $2.32B | $2.89B | $2.06B | $1.76B | $1.72B | $1.86B | $1.45B | $1.06B |
| Liabilities | ||||||||||
| Accounts payable | $257.2M | $220.3M | $191.8M | $384.5M | $188.7M | $10.3M | $122.6M | $93.3M | $110.4M | $84.1M |
| Short-term debt | $101.1M | $1.5M | $14.6M | $1.5M | $26.8M | $59.4M | $90.4M | $102.8M | $36.7M | $15.0M |
| Deferred revenue | $1.15B | — | $1.04B | $998.8M | $911.5M | $6.3M | — | — | — | — |
| Total current liabilities | $2.15B | $634.5M | $1.80B | $2.44B | $215.4M | $69.7M | $213.0M | $199.2M | $150.0M | $84.1M |
| Long-term debt | $0 | $99.8M | $100.5M | $101.3M | $102.2M | $8.5M | $9.9M | $11.4M | $12.9M | $15.0M |
| Other long-term liabilities | $142.0M | $2.36B | $77.5M | $60.3M | $1.5M | $0 | $0 | $1.35B | $1.00B | $673.8M |
| Total liabilities | $2.29B | $2.47B | $1.98B | $2.60B | $1.63B | $1.31B | $1.23B | $1.36B | $1.02B | $688.8M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $482,000 | $475,000 | $472,000 | $472,000 | $470,000 | $468,000 | $467,000 | $465,000 | $458,000 | $453,000 |
| Retained earnings (deficit) | $757.4M | $596.9M | $560.7M | $517.5M | $563.7M | $567.5M | $573.6M | $553.2M | $464.7M | $381.9M |
| Treasury stock | — | — | — | — | −$227.1M | −$225.5M | −$196.6M | −$130.4M | −$105.1M | −$87.0M |
| Accumulated other comprehensive income | −$26.2M | −$63.2M | −$74.2M | −$103.8M | −$15.6M | $3.3M | $20.4M | −$8.0M | −$6.3M | −$6.4M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $551.0M | $373.2M | $341.3M | $287.9M | $429.7M | $449.3M | $493.9M | $501.6M | $440.0M | $371.2M |
| Key figures | ||||||||||
| Total debt | $100.5M | $101.2M | $116.6M | $102.8M | $129.0M | $67.9M | $100.3M | $114.2M | $49.6M | $15.0M |
| Net cash (debt) | $471.3M | $318.2M | $1.35B | $1.30B | $121.5M | $99.3M | $81.8M | $52.2M | $173.9M | $95.7M |
| Working capital | −$906.2M | $974.6M | $199.4M | $127.7M | $285.6M | $324.7M | $226.2M | $1.28B | $321.9M | $89.7M |
| Tangible book value | $420.2M | $252.1M | −$709.5M | $181.9M | $318.6M | $336.3M | $399.7M | $414.6M | $364.6M | $381.9M |
| Book value per share | $19.13 | $12.75 | $11.32 | $9.36 | $13.73 | $14.05 | $14.43 | $14.02 | $12.29 | $10.41 |
| Shares outstanding | 28.8M | 29.3M | 30.1M | 30.8M | 31.3M | 32.0M | 34.2M | 35.8M | 35.8M | 35.6M |
| Current ratio | 0.58 | 2.54 | 1.11 | 1.05 | 2.33 | 5.66 | 2.06 | 7.41 | 3.15 | 2.07 |
| Quick ratio | 0.41 | 1.77 | 0.98 | 0.94 | 2.33 | 5.66 | 2.06 | 3.24 | 3.08 | 2.07 |
| Debt / equity | 0.18 | 0.27 | 0.34 | 0.36 | 0.30 | 0.15 | 0.20 | 0.23 | 0.11 | 0.04 |
| Equity / assets | 19.4% | 13.1% | 14.7% | 10.0% | 20.9% | 25.5% | 28.7% | 27.0% | 30.2% | 35.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $703.8M | $740.5M | $571.8M | $571.5M | $563.4M | $597.3M | $419.4M | $465.6M | $395.9M | $486.7M | $1.46B | $343.5M |
| Cash & equivalents | $532.2M | $595.8M | $408.9M | $405.1M | $367.1M | $398.2M | $259.4M | $333.7M | $283.3M | $396.3M | $397.3M | $343.5M |
| Short-term investments | $171.7M | $144.8M | $162.9M | $166.4M | $196.3M | $199.2M | $160.0M | $131.9M | $112.6M | $90.3M | $1.06B | $111.0M |
| Receivables | $85.5M | $277.9M | $308.6M | $398.4M | $474.6M | $543.1M | $705.6M | $230.0M | $223.6M | $198.6M | $296.2M | $411.5M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $26.4M | −$439.1M | −$472.9M | −$787.7M | $166.6M |
| Other current assets | $459.1M | $119.6M | $360.0M | $534.1M | $707.7M | $108.1M | $484.1M | $1.05B | $373.5M | $260.6M | $0 | $611.5M |
| Total current assets | $1.25B | $1.14B | $1.24B | $1.50B | $1.75B | $1.25B | $1.61B | $1.77B | $553.9M | $472.9M | $576.6M | $1.53B |
| Property, plant & equipment (net) | $48.6M | $49.3M | $49.3M | $49.9M | $47.7M | $48.3M | $48.7M | $49.4M | $49.3M | $49.4M | $47.6M | $48.7M |
| Goodwill & intangible assets | $137.5M | $128.5M | $130.9M | $135.0M | $127.5M | $118.1M | $123.5M | $127.6M | $119.5M | $109.0M | $1.05B | $116.9M |
| Long-term investments | $1.63B | $1.53B | $1.53B | $1.51B | $1.49B | $1.42B | $1.36B | $1.37B | $1.30B | $1.20B | $1.16B | $1.11B |
| Other non-current assets | $242.4M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $654.0M | $289.7M | $0 | $0 |
| Total assets | $3.31B | $2.77B | $2.84B | $3.09B | $3.28B | $2.71B | $2.84B | $2.65B | $2.68B | $2.12B | $2.32B | $2.56B |
| Liabilities | ||||||||||||
| Accounts payable | $627.8M | $135.8M | $257.2M | $501.8M | $709.5M | $115.1M | $220.3M | $420.3M | $649.0M | $97.9M | $191.8M | $388.3M |
| Short-term debt | — | — | $0 | $6.6M | $0 | $2.0M | $1.5M | $0 | — | — | $14.6M | $12.2M |
| Deferred revenue | — | $1.15B | $1.15B | $1.22B | $1.17B | $1.10B | — | — | — | — | $5.9M | — |
| Total current liabilities | $16.4M | $2.04B | $2.15B | $2.45B | $2.68B | $2.16B | $634.5M | $838.1M | $937.1M | $402.9M | $614.9M | $2.0M |
| Long-term debt | $97.9M | $100.3M | $100.5M | $100.7M | $100.9M | $101.1M | $101.2M | $101.4M | $101.6M | $101.8M | $102.0M | $102.2M |
| Other long-term liabilities | $1.83B | $44.0M | $41.6M | $46.1M | $41.1M | $32.0M | $2.36B | $2.12B | $2.18B | $1.65B | $1.87B | $2.15B |
| Total liabilities | $2.67B | $2.18B | $2.29B | $2.59B | $2.82B | $2.29B | $2.47B | $2.25B | $2.29B | $1.76B | $1.98B | $2.26B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $483,000 | $483,000 | $482,000 | $481,000 | $476,000 | $476,000 | $475,000 | $472,000 | $472,000 | $472,000 | $472,000 | $473,000 |
| Retained earnings (deficit) | $861.6M | $807.1M | $757.4M | $699.4M | $664.3M | $633.8M | $596.9M | $599.3M | $620.2M | $589.6M | $560.7M | $549.4M |
| Accumulated other comprehensive income | −$35.5M | −$34.5M | −$26.2M | −$30.8M | −$40.8M | −$51.1M | −$63.2M | −$45.6M | −$75.7M | −$76.7M | −$74.2M | −$107.1M |
| Total shareholders' equity | $637.2M | $584.7M | $551.0M | $495.0M | $457.8M | $422.4M | $373.2M | $400.2M | $393.2M | $364.7M | $341.3M | $301.5M |
| Key figures | ||||||||||||
| Total debt | $97.9M | $100.3M | $100.5M | $100.7M | $100.9M | $101.1M | $101.2M | $101.4M | $101.6M | $101.8M | $116.6M | $114.4M |
| Net cash (debt) | $606.0M | $640.3M | $471.3M | $470.8M | $462.5M | $496.3M | $318.2M | $364.2M | $294.2M | $384.8M | $1.35B | $229.1M |
| Working capital | $1.23B | −$902.3M | −$906.2M | −$943.8M | −$930.4M | −$910.8M | $974.6M | $933.3M | −$383.2M | $70.1M | −$38.4M | $1.53B |
| Tangible book value | $499.6M | $456.3M | $420.2M | $360.1M | $330.3M | $304.2M | $249.8M | $272.6M | $273.8M | $255.7M | −$709.5M | $184.6M |
| Book value per share | $22.12 | $20.30 | $19.13 | $17.18 | $15.91 | $14.68 | $12.82 | $14.12 | $13.42 | $12.40 | $11.57 | $10.18 |
| Shares outstanding | 28.8M | 28.8M | 28.8M | 28.8M | 28.8M | 28.8M | 29.1M | 28.4M | 29.3M | 29.4M | 29.5M | 29.6M |
| Current ratio | 76.09 | 0.56 | 0.58 | 0.61 | 0.65 | 0.58 | 2.54 | 2.11 | 0.59 | 1.17 | 0.94 | 756.72 |
| Quick ratio | 48.11 | 0.50 | 0.41 | 0.40 | 0.39 | 0.53 | 1.77 | 0.83 | 0.66 | 1.70 | 2.86 | 372.68 |
| Debt / equity | 0.15 | 0.17 | 0.18 | 0.20 | 0.22 | 0.24 | 0.27 | 0.25 | 0.26 | 0.28 | 0.34 | 0.38 |
| Equity / assets | 19.3% | 21.1% | 19.4% | 16.0% | 14.0% | 15.6% | 13.1% | 15.1% | 14.7% | 17.2% | 14.7% | 11.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
UVE financial position
At the end of fiscal 2025 (December 31, 2025), Universal Insurance had total assets of $2.8 billion (down 0.1% from a year earlier), total liabilities of $2.3 billion and shareholders' equity of $551.0 million. It held $571.8 million in cash and short-term investments against $100.5 million of debt, a net cash position of $471.3 million. Its current ratio was 0.58. In the latest quarter (ended June 30, 2026) total assets were $3.3 billion and equity $637.2 million.
Related: UVE income statement, UVE cash flow statement, UVE key metrics. See the UVE stock overview for the latest quote and news.
UVE balance sheet FAQ
What are Universal Insurance's total assets?
Universal Insurance reported total assets of $2.8 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.8 billion a year earlier.
How much debt does Universal Insurance have?
Universal Insurance had $100.5 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.18.
How much cash does Universal Insurance have?
Universal Insurance held $571.8 million in cash and short-term investments at the end of fiscal 2025; with $100.5 million of debt that is net cash of $471.3 million.
What is Universal Insurance's book value?
Universal Insurance's shareholders' equity (book value) was $551.0 million at the end of fiscal 2025, or $19.13 per share.
What is Universal Insurance's current ratio?
Universal Insurance had current assets of $1.2 billion and current liabilities of $2.1 billion, a current ratio of 0.58 (current liabilities exceed current assets).
How much goodwill does Universal Insurance have?
Universal Insurance carried $130.9 million of goodwill and intangible assets, 4.6% of total assets, at the end of fiscal 2025.