Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $685M | $752M | $824M | $939M | $1.07B | $1.12B | $1.22B | $1.39B | $1.52B | $1.60B |
| Revenue growth | — | 9.7% | 9.6% | 14.0% | 14.2% | 4.6% | 9.0% | 13.8% | 9.3% | 5.5% |
| Net income | $99.4M | $107M | $117M | $46.5M | $19.1M | $20.4M | -$22.3M | $66.8M | $58.9M | $183M |
| Net margin | 14.5% | 14.2% | 14.2% | 5.0% | 1.8% | 1.8% | -1.8% | 4.8% | 3.9% | 11.4% |
| EPS (diluted) | $2.79 | $2.99 | $3.27 | $1.36 | $0.60 | $0.65 | -$0.72 | $2.22 | $2.01 | $6.32 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $121M | $245M | $230M | $84.6M | $29.3M | $234M | $325M | $71.0M | $137M | $381M |
| Capital expenditures | $8.22M | $4.62M | $6.73M | $11.3M | $17.2M | $7.23M | $4.90M | $4.02M | $7.37M | $4.44M |
| Free cash flow | $113M | $240M | $223M | $73.3M | $12.1M | $227M | $320M | $67.0M | $130M | $377M |
| Share buybacks | $8.51M | $18.1M | $25.3M | $66.2M | $28.9M | $1.61M | $11.6M | $22.0M | $21.9M | $22.4M |
| Dividends paid | $24.2M | $24.0M | $25.5M | $26.1M | $24.5M | $24.2M | $23.8M | $23.3M | $22.3M | $22.2M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $106M | $213M | $166M | $182M | $167M | $251M | $389M | $397M | $259M | $409M |
| Total assets | $1.06B | $1.45B | $1.86B | $1.72B | $1.76B | $2.06B | $2.89B | $2.32B | $2.84B | $2.84B |
| Total liabilities | $689M | $1.02B | $1.36B | $1.23B | $1.31B | $1.63B | $2.60B | $1.98B | $2.47B | $2.29B |
| Long-term debt | $15.0M | $12.9M | $11.4M | — | $8.46M | $104M | $103M | $102M | $101M | $100M |
| Shareholders' equity | $371M | $440M | $502M | $494M | $449M | $430M | $288M | $341M | $373M | $551M |
| Retained earnings | $382M | $465M | $553M | $574M | $568M | $564M | $517M | $561M | $597M | $757M |
| Shares (wtd avg diluted) | 35.6M | 35.8M | 35.8M | 34.2M | 32.0M | 31.3M | 30.8M | 30.1M | 29.3M | 29.0M |
Every figure is extracted from UNIVERSAL INSURANCE HOLDINGS, INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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