Event-Driven Stocks

UNIVERSAL INSURANCE HOLDINGS, INC.

UVENYSE

Financials · Fire, Marine & Casualty Insurance · DE · SEC filings ↗ · Compare ⊕

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Signs● 3 good● 1 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$394.9M$368.0M$1.39B$1.22B$1.12B$1.07B
Operating income——————
Net income$41.4M$33.7M$66.8M−$22.3M$20.4M$19.1M
Total assets$2.84B$2.84B$2.32B$2.89B$2.06B$1.76B
Total liabilities$2.29B$2.47B$1.98B$2.60B$1.63B$1.31B
Equity$551.0M$373.3M$341.3M$287.9M$429.7M$449.3M
EPS (diluted)$1.44$1.14$2.22$-0.72$0.65$0.60
Shares out.28.1M29.0M30.4M31.2M31.2M32.7M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
10.5%
Return on equity
7.5%
Return on assets
1.5%
Return on capital (ROCE)
—
Liabilities / assets
80.6%
Debt / equity
4.15×
Book value / share
$19.61
Revenue growth (YoY)
7.3%
Net income growth (YoY)
23.1%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−12.0%clean
Piotroski F-Score
7/7strong

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
83
/ 100
Profitability 100Growth 100Catalyst 67Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 1 warning● 3 good
  • High leverage (liabilities > 70% of assets)
  • Revenue is growing year-over-year
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 2026503,5442.4-8.4%
Apr 30, 2026549,8981.9+25.9%
Apr 15, 2026436,6292.8-22.5%
Mar 31, 2026563,4303.0-8.2%
Mar 13, 2026613,8922.5-0.9%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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