Universal Insurance Holdings Inc (UVE) - Net Assets
Based on the latest financial reports, Universal Insurance Holdings Inc (UVE) has net assets worth $495.04 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.09 Billion) and total liabilities ($2.59 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check UVE asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $495.04 Million |
| % of Total Assets | 16.02% |
| Annual Growth Rate | N/A |
| 5-Year Change | -16.92% |
| 10-Year Change | 27.35% |
| Growth Volatility | 69.72 |
Universal Insurance Holdings Inc - Net Assets Trend (1991–2024)
This chart illustrates how Universal Insurance Holdings Inc's net assets have evolved over time, based on quarterly financial data. Also explore UVE asset base for the complete picture of this company's asset base.
Annual Net Assets for Universal Insurance Holdings Inc (1991–2024)
The table below shows the annual net assets of Universal Insurance Holdings Inc from 1991 to 2024. For live valuation and market cap data, see Universal Insurance Holdings Inc (UVE) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $373.25 Million | +9.36% |
| 2023-12-31 | $341.30 Million | +18.55% |
| 2022-12-31 | $287.90 Million | -33.00% |
| 2021-12-31 | $429.70 Million | -4.35% |
| 2020-12-31 | $449.26 Million | -9.04% |
| 2019-12-31 | $493.90 Million | -1.54% |
| 2018-12-31 | $501.63 Million | +14.01% |
| 2017-12-31 | $439.99 Million | +18.53% |
| 2016-12-31 | $371.19 Million | +26.65% |
| 2015-12-31 | $293.09 Million | +33.88% |
| 2014-12-31 | $218.92 Million | +24.66% |
| 2013-12-31 | $175.61 Million | +7.40% |
| 2012-12-31 | $163.51 Million | +9.01% |
| 2011-12-31 | $150.00 Million | +7.31% |
| 2010-12-31 | $139.79 Million | +23.41% |
| 2009-12-31 | $113.27 Million | +11.54% |
| 2008-12-31 | $101.55 Million | +39.93% |
| 2007-12-31 | $72.58 Million | +229.17% |
| 2006-12-31 | $22.05 Million | +121.56% |
| 2005-12-31 | $9.95 Million | +198.87% |
| 2004-12-31 | $3.33 Million | -4.14% |
| 2003-12-31 | $3.47 Million | -5.82% |
| 2002-12-31 | $3.69 Million | +0.85% |
| 2001-12-31 | $3.66 Million | -46.95% |
| 2000-12-31 | $6.89 Million | -21.68% |
| 1999-12-31 | $8.80 Million | +18.92% |
| 1998-12-31 | $7.40 Million | +922.22% |
| 1997-12-31 | $-900.00K | -181.82% |
| 1996-12-31 | $1.10 Million | 0.00% |
| 1995-12-31 | $1.10 Million | +57.14% |
| 1994-12-31 | $700.00K | -36.36% |
| 1993-12-31 | $1.10 Million | -56.00% |
| 1992-12-31 | $2.50 Million | +516.67% |
| 1991-12-31 | $-600.00K | -- |
Equity Component Analysis
This analysis shows how different components contribute to Universal Insurance Holdings Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 59745300000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $596.85 Million | 159.91% |
| Common Stock | $475.00K | 0.13% |
| Other Comprehensive Income | $-63.17 Million | -16.92% |
| Total Equity | $373.25 Million | 100.00% |
Universal Insurance Holdings Inc Competitors by Market Cap
The table below lists competitors of Universal Insurance Holdings Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Lucky Film Co Ltd
SHG:600135
|
$927.87 Million |
|
Silicon Integrated Systems Corp
TW:2363
|
$928.07 Million |
|
Changchun Engley Automobile Industry Co.Ltd.
SHG:601279
|
$928.20 Million |
|
Jianglong Shipbuilding Co Ltd
SHE:300589
|
$928.45 Million |
|
HDC Holdings Co Ltd
KO:012630
|
$927.56 Million |
|
Accel Entertainment Inc
NYSE:ACEL
|
$927.42 Million |
|
Tes Touch Embedded Solutions
SHE:003019
|
$927.35 Million |
|
Pharming Group NV
AS:PHARM
|
$927.29 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Universal Insurance Holdings Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 341,297,000 to 373,250,000, a change of 31,953,000 (9.4%).
- Net income of 58,928,000 contributed positively to equity growth.
- Dividend payments of 22,326,000 reduced retained earnings.
- Share repurchases of 21,914,000 reduced equity.
- Other comprehensive income increased equity by 11,006,000.
- Other factors increased equity by 6,259,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $58.93 Million | +15.79% |
| Dividends Paid | $22.33 Million | -5.98% |
| Share Repurchases | $21.91 Million | -5.87% |
| Other Comprehensive Income | $11.01 Million | +2.95% |
| Other Changes | $6.26 Million | +1.68% |
| Total Change | $- | 9.36% |
Book Value vs Market Value Analysis
This analysis compares Universal Insurance Holdings Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.16x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1991-12-31 | $-0.03 | $40.32 | x |
| 1992-12-31 | $0.11 | $40.32 | x |
| 1993-12-31 | $0.05 | $40.32 | x |
| 1994-12-31 | $0.03 | $40.32 | x |
| 1995-12-31 | $0.07 | $40.32 | x |
| 1996-12-31 | $0.05 | $40.32 | x |
| 1997-12-31 | $-0.04 | $40.32 | x |
| 1998-12-31 | $0.45 | $40.32 | x |
| 1999-12-31 | $0.55 | $40.32 | x |
| 2000-12-31 | $0.47 | $40.32 | x |
| 2001-12-31 | $0.25 | $40.32 | x |
| 2002-12-31 | $0.23 | $40.32 | x |
| 2003-12-31 | $0.15 | $40.32 | x |
| 2004-12-31 | $0.11 | $40.32 | x |
| 2005-12-31 | $0.29 | $40.32 | x |
| 2006-12-31 | $0.56 | $40.32 | x |
| 2007-12-31 | $1.75 | $40.32 | x |
| 2008-12-31 | $2.52 | $40.32 | x |
| 2009-12-31 | $2.80 | $40.32 | x |
| 2010-12-31 | $3.44 | $40.32 | x |
| 2011-12-31 | $3.71 | $40.32 | x |
| 2012-12-31 | $4.03 | $40.32 | x |
| 2013-12-31 | $4.65 | $40.32 | x |
| 2014-12-31 | $6.23 | $40.32 | x |
| 2015-12-31 | $8.17 | $40.32 | x |
| 2016-12-31 | $10.41 | $40.32 | x |
| 2017-12-31 | $12.29 | $40.32 | x |
| 2018-12-31 | $14.02 | $40.32 | x |
| 2019-12-31 | $14.43 | $40.32 | x |
| 2020-12-31 | $14.05 | $40.32 | x |
| 2021-12-31 | $13.73 | $40.32 | x |
| 2022-12-31 | $9.36 | $40.32 | x |
| 2023-12-31 | $11.32 | $40.32 | x |
| 2024-12-31 | $12.75 | $40.32 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Universal Insurance Holdings Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 15.79%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 3.88%
- • Asset Turnover: 0.54x
- • Equity Multiplier: 7.61x
- Recent ROE (15.79%) is above the historical average (-4.04%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1991 | 0.00% | -500.00% | 0.07x | 0.00x | $-440.00K |
| 1992 | -40.00% | -250.00% | 0.10x | 1.56x | $-1.25 Million |
| 1993 | -127.27% | -116.67% | 0.41x | 2.64x | $-1.51 Million |
| 1994 | -185.71% | -130.00% | 0.53x | 2.71x | $-1.37 Million |
| 1995 | -136.36% | -375.00% | 0.17x | 2.18x | $-1.61 Million |
| 1996 | -136.36% | -375.00% | 0.17x | 2.18x | $-1.61 Million |
| 1997 | 0.00% | -2400.00% | 0.17x | 0.00x | $-2.31 Million |
| 1998 | 28.38% | 24.71% | 0.32x | 3.61x | $1.36 Million |
| 1999 | 13.64% | 14.81% | 0.27x | 3.42x | $320.00K |
| 2000 | -21.59% | -16.27% | 0.30x | 4.36x | $-2.18 Million |
| 2001 | -83.12% | -22.61% | 0.45x | 8.15x | $-3.41 Million |
| 2002 | 1.93% | 0.77% | 0.28x | 9.06x | $-297.72K |
| 2003 | -8.11% | -4.34% | 0.18x | 10.14x | $-628.85K |
| 2004 | -7.81% | -3.25% | 0.07x | 34.24x | $-593.09K |
| 2005 | 65.62% | 33.09% | 0.11x | 18.26x | $5.51 Million |
| 2006 | 77.95% | 26.38% | 0.14x | 21.84x | $14.98 Million |
| 2007 | 74.41% | 28.65% | 0.38x | 6.76x | $46.74 Million |
| 2008 | 39.42% | 21.92% | 0.34x | 5.36x | $29.88 Million |
| 2009 | 25.41% | 13.67% | 0.31x | 5.99x | $17.46 Million |
| 2010 | 26.46% | 15.41% | 0.31x | 5.48x | $23.01 Million |
| 2011 | 13.41% | 8.90% | 0.25x | 5.96x | $5.11 Million |
| 2012 | 18.54% | 11.23% | 0.29x | 5.66x | $13.96 Million |
| 2013 | 33.58% | 19.58% | 0.33x | 5.24x | $41.42 Million |
| 2014 | 33.34% | 19.77% | 0.41x | 4.16x | $51.10 Million |
| 2015 | 36.33% | 19.48% | 0.55x | 3.39x | $77.17 Million |
| 2016 | 26.78% | 14.51% | 0.65x | 2.86x | $62.29 Million |
| 2017 | 24.30% | 14.22% | 0.52x | 3.31x | $62.94 Million |
| 2018 | 23.33% | 14.21% | 0.44x | 3.70x | $66.89 Million |
| 2019 | 9.42% | 4.95% | 0.55x | 3.48x | $-2.88 Million |
| 2020 | 4.25% | 1.78% | 0.61x | 3.91x | $-25.82 Million |
| 2021 | 4.75% | 1.82% | 0.55x | 4.79x | $-22.56 Million |
| 2022 | -7.73% | -1.82% | 0.42x | 10.04x | $-51.05 Million |
| 2023 | 19.58% | 4.80% | 0.60x | 6.79x | $32.69 Million |
| 2024 | 15.79% | 3.88% | 0.54x | 7.61x | $21.60 Million |
Industry Comparison
This section compares Universal Insurance Holdings Inc's net assets metrics with peer companies in the Insurance - Property & Casualty industry.
Industry Context
- Industry: Insurance - Property & Casualty
- Average net assets among peers: $10,084,217,400
- Average return on equity (ROE) among peers: 20.11%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Universal Insurance Holdings Inc (UVE) | $495.04 Million | 0.00% | 5.24x | $927.72 Million |
| American Coastal Insurance Corp (ACIC) | $42.93 Million | 77.85% | 4.43x | $509.11 Million |
| American Financial Group Inc (AFG) | $4.05 Billion | 22.16% | 4.95x | $10.99 Billion |
| Aspen Insurance Holdings Limited (AHL) | $1.48 Billion | 13.17% | 1.66x | $115.72 Million |
| American Integrity Insurance Group, Inc. (AII) | $162.39 Million | 24.47% | 6.38x | $372.20 Million |
| Assurant Inc (AIZ) | $4.28 Billion | 12.14% | 6.44x | $10.94 Billion |
| The Allstate Corporation (ALL) | $16.60 Billion | 16.38% | 4.91x | $54.30 Billion |
| Ategrity Specialty Insurance Company Holdings (ASIC) | $322.20 Million | 3.12% | 1.74x | $943.07 Million |
| Bowhead Specialty Holdings Inc. (BOW) | $83.37 Million | 13.50% | 5.78x | $810.40 Million |
| Chubb Ltd (CB) | $68.39 Billion | 13.56% | 2.60x | $125.59 Billion |
| Cincinnati Financial Corporation (CINF) | $5.42 Billion | 4.70% | 1.18x | $24.98 Billion |
About Universal Insurance Holdings Inc
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. It offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles cove… Read more