Universal Insurance Holdings (UVE) Operating Margin (2010 - 2026)
Universal Insurance Holdings (UVE) posted Operating Margin of 4.73% for Q2 2026, down 4.4% sequentially from 4.95% in Q1 2026, and up 42.0% YoY from 3.33% in Q2 2025.
Universal Insurance Holdings (UVE) Operating Margin (2010 - 2026) Analysis & Trends
Universal Insurance Holdings has reported Operating Margin for 17 years, with the latest figure at 4.73% in Q2 2026.
- Quarterly Operating Margin rose 42.0% year-over-year to 4.73% in Q2 2026, while the trailing twelve-month figure through Jun 2026 was 4.73% (up 62.0% YoY) and the FY2025 annual result came in at 4.4%, up 51.0% from the prior year.
- Operating Margin declined to 4.73% in Q2 2026 per UVE's latest filing, from 4.95% in the prior quarter.
- Over five years, Operating Margin peaked at 4.95% in Q1 2026 and troughed at 1.41% in Q1 2022.
- A 5-year average of 3.61% and a median of 3.77% in 2024 frame the typical range for Operating Margin.
- The sharpest annual moves came in 2022 and 2023: Operating Margin grew 27 bps in 2022, then surged 197 bps in 2023.
- Over 5 years, Operating Margin stood at 3.16% in 2022, then rose by 15 bps to 3.65% in 2023, then gained by 11 bps to 4.05% in 2024, then climbed by 15 bps to 4.66% in 2025, then rose by 2 bps to 4.73% in 2026.
- According to Business Quant data, Operating Margin over the past three periods registered 4.73%, 4.95%, and 4.66% for Q2 2026, Q1 2026, and Q4 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Chubb | 134.48 Bn | 120.72 Bn | 9.13 Bn | 11.13% |
| 2 | Progressive | 123.71 Bn | 118.71 Bn | 9.04 Bn | -43.89% |
| 3 | Travelers Companies | 79.14 Bn | 55.39 Bn | 4.83 Bn | 9.95% |
| 4 | Allstate | 67.04 Bn | 28.31 Bn | 16.28 Bn | 5.43% |
| 5 | Fairfax Financial Holdings | 35.29 Bn | 35.29 Bn | - | - |
| 6 | Cincinnati Financial | 26.69 Bn | 24.80 Bn | 2.39 Bn | 7.46% |
| 7 | Loews | 23.25 Bn | 947.16 Mn | 2.57 Bn | 16.08% |
| 8 | Markel | 23.10 Bn | 6.22 Bn | 2.83 Bn | 38.83% |
| 9 | Assurant | 13.92 Bn | 11.89 Bn | 2.71 Bn | 4.12% |
| 10 | Universal Insurance Holdings | 1.18 Bn | 540.49 Mn | 182.47 Mn | 4.73% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 4.73% |
| Mar 31, 2026 | 4.95% |
| Dec 31, 2025 | 5.22% |
| Sep 30, 2025 | 5.10% |
| Jun 30, 2025 | 4.31% |
| Mar 31, 2025 | 4.07% |
| Dec 31, 2024 | 4.48% |
| Sep 30, 2024 | 3.98% |
| Jun 30, 2024 | 4.25% |
| Mar 31, 2024 | 4.05% |
| Dec 31, 2023 | 4.09% |
| Sep 30, 2023 | 3.54% |
| Jun 30, 2023 | 3.72% |
| Mar 31, 2023 | 3.79% |
| Dec 31, 2022 | 3.58% |
| Sep 30, 2022 | 2.09% |
| Jun 30, 2022 | 1.88% |
| Mar 31, 2022 | 1.50% |
| Dec 31, 2021 | 1.44% |
| Sep 30, 2021 | 1.06% |