Universal Insurance Holdings (UVE) Operating Margin (2009 - 2026)
Universal Insurance Holdings (UVE) recorded Operating Margin of 16.44% in Q3 2026, up 2.88 percentage points from 13.56% a year earlier but down 2.67 percentage points from the prior quarter.
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Analysis
Universal Insurance Holdings (UVE) Operating Margin (2009 - 2026) Analysis & Trends
On a TTM basis, Universal Insurance Holdings' Operating Margin came in at 19.02% as of Sep 30, 2026, up 8.26 percentage points year-over-year; for FY2025, it came in at 15.96%, up 9.54 percentage points from FY2024.
- Annual Operating Margin has a five-year change of +13.68 percentage points (FY2020 to FY2025).
- Across earlier years, Operating Margin came in at 6.42% in FY2024 (-0.87 pp), 7.29% in FY2023 (+85.73 pp), -78.44% in FY2022 (-81.09 pp) and 2.65% in FY2021 (+0.37 pp).
- Quarterly Operating Margin has ranged from -134.92% in Q3 2022 to 22.07% in Q4 2025 over the past five years.
- On a year-over-year basis, Operating Margin has increased for five consecutive quarters, with an average year-over-year change of +5.64 percentage points over the last eight quarters.
- Peak year-over-year performance for Operating Margin in the last five years was a gain of 133.64 percentage points in Q3 2023, against a drop of 144.16 percentage points in Q3 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 19.11% (Q2 2026), 18.62% (Q1 2026) and 22.07% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Berkshire Hathaway | 1,248.67 Bn | -185.49 Bn | 56.71 Bn | -32.86% |
| 2 | Chubb | 141.22 Bn | 92.15 Bn | 8.67 Bn | 22.27% |
| 3 | Progressive | 134.26 Bn | 109.78 Bn | 8.29 Bn | 14.33% |
| 4 | Marsh & Mclennan Companies | 98.32 Bn | 90.72 Bn | - | 17.70% |
| 5 | Travelers Companies | 82.09 Bn | 59.57 Bn | 5.93 Bn | 20.04% |
| 6 | Manulife Financial | 75.36 Bn | -19.02 Bn | - | - |
| 7 | Arthur J. Gallagher | 72.54 Bn | 67.17 Bn | 3.33 Bn | 17.18% |
| 8 | Aon | 71.33 Bn | 50.56 Bn | - | 19.73% |
| 9 | Allstate | 65.04 Bn | 22.10 Bn | -9.85 Bn | -3.13% |
| 10 | Universal Insurance Holdings | 1.33 Bn | -1.19 Bn | 178.83 Mn | 16.91% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 16.91% |
| Jun 30, 2026 | 19.58% |
| Mar 31, 2026 | 19.03% |
| Dec 31, 2025 | 22.47% |
| Sep 30, 2025 | 13.96% |
| Jun 30, 2025 | 12.40% |
| Mar 31, 2025 | 14.86% |
| Dec 31, 2024 | 2.75% |
| Sep 30, 2024 | -3.84% |
| Jun 30, 2024 | 13.45% |
| Mar 31, 2024 | 13.79% |
| Dec 31, 2023 | 7.77% |
| Sep 30, 2023 | -1.28% |
| Jun 30, 2023 | 12.01% |
| Mar 31, 2023 | -54.26% |
| Dec 31, 2022 | 10.93% |
| Sep 30, 2022 | -134.92% |
| Jun 30, 2022 | -64.35% |
| Mar 31, 2022 | -56.01% |
| Dec 31, 2021 | -21.65% |
API Access
Universal Insurance Holdings Operating Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=operating-margin&ticker=UVE&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-margin", "ticker": "UVE", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=operating-margin&ticker=UVE&period=max&api_key=YOUR_API_KEY");
const data = await res.json();