Universal Insurance Holdings Inc (UVE) — Financial Flexibility Index
Universal Insurance Holdings Inc (UVE) has a Financial Flexibility Index of 0.04x as of June 2026. Free cash flow of $101.98 Million (operating CF $101.08 Million minus capex $902.00K) represents 0% of total liabilities ($2.67 Billion). Check cash flow reinvestment rate of Universal Insurance Holdings Inc to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Universal Insurance Holdings Inc Financial Flexibility Index (1991–2025)
Historical Financial Flexibility Index trend for Universal Insurance Holdings Inc across 35 annual periods. For the full cash flow conversion analysis, see UVE cash flow conversion.
Annual Financial Flexibility Index for Universal Insurance Holdings Inc (1991–2025)
Year-by-year free cash flow to debt coverage for Universal Insurance Holdings Inc. Explore Universal Insurance Holdings Inc (UVE) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.17x | $385.93 Million | $381.49 Million | $2.29 Billion | ▲ +187.6% |
| 2024 | 0.06x | $144.73 Million | $137.36 Million | $2.47 Billion | ▲ +54.4% |
| 2023 | 0.04x | $74.99 Million | $70.97 Million | $1.98 Billion | ▼ -70.0% |
| 2022 | 0.13x | $329.41 Million | $324.51 Million | $2.60 Billion | ▼ -14.8% |
| 2021 | 0.15x | $241.60 Million | $234.38 Million | $1.63 Billion | ▲ +317.7% |
| 2020 | 0.04x | $46.56 Million | $29.35 Million | $1.31 Billion | ▼ -54.5% |
| 2019 | 0.08x | $95.91 Million | $84.60 Million | $1.23 Billion | ▼ -55.2% |
| 2018 | 0.17x | $236.84 Million | $230.10 Million | $1.36 Billion | ▼ -29.0% |
| 2017 | 0.25x | $249.63 Million | $245.01 Million | $1.02 Billion | ▲ +30.7% |
| 2016 | 0.19x | $129.62 Million | $121.40 Million | $688.82 Million | ▼ -43.0% |
| 2015 | 0.33x | $231.14 Million | $219.27 Million | $700.46 Million | ▲ +72.4% |
| 2014 | 0.19x | $132.61 Million | $123.35 Million | $692.86 Million | ▼ -10.0% |
| 2013 | 0.21x | $158.31 Million | $156.96 Million | $744.48 Million | ▲ +12.0% |
| 2012 | 0.19x | $144.72 Million | $142.00 Million | $762.22 Million | ▲ +25.5% |
| 2011 | 0.15x | $112.52 Million | $110.13 Million | $744.02 Million | ▲ +1359.6% |
| 2010 | -0.01x | $-7.52 Million | $-9.24 Million | $626.44 Million | ▼ -117.6% |
| 2009 | 0.07x | $38.55 Million | $37.79 Million | $564.97 Million | ▼ -43.5% |
| 2008 | 0.12x | $53.55 Million | $52.84 Million | $443.08 Million | ▲ +6244.4% |
| 2007 | 0.00x | $796.55K | $537.34K | $418.16 Million | ▼ -99.4% |
| 2006 | 0.33x | $153.62 Million | $153.38 Million | $459.56 Million | ▲ +100.7% |
| 2005 | 0.17x | $28.49 Million | $26.97 Million | $171.08 Million | ▲ +4.9% |
| 2004 | 0.16x | $17.57 Million | $15.89 Million | $110.67 Million | ▲ +31.9% |
| 2003 | 0.12x | $3.82 Million | $3.59 Million | $31.76 Million | ▲ +143.4% |
| 2002 | -0.28x | $-8.24 Million | $-8.52 Million | $29.70 Million | ▼ -397.7% |
| 2001 | 0.09x | $2.43 Million | $1.93 Million | $26.13 Million | ▲ +149.7% |
| 2000 | -0.19x | $-4.35 Million | $-4.80 Million | $23.17 Million | ▼ -176.8% |
| 1999 | 0.24x | $5.20 Million | $4.90 Million | $21.30 Million | ▼ -43.9% |
| 1998 | 0.44x | $8.40 Million | $8.40 Million | $19.30 Million | ▲ +230.6% |
| 1997 | -0.33x | $-500.00K | $-500.00K | $1.50 Million | ▼ -44.4% |
| 1996 | -0.23x | $-300.00K | $-400.00K | $1.30 Million | ▲ +0.0% |
| 1995 | -0.23x | $-300.00K | $-400.00K | $1.30 Million | ▲ +7.7% |
| 1994 | -0.25x | $-300.00K | $-400.00K | $1.20 Million | ▲ +35.7% |
| 1993 | -0.39x | $-700.00K | $-1.00 Million | $1.80 Million | ▲ +58.1% |
| 1992 | -0.93x | $-1.30 Million | $-1.60 Million | $1.40 Million | ▼ -209.5% |
| 1991 | -0.30x | $-600.00K | $-700.00K | $2.00 Million | — |