UVE

SEC.gov | Request Rate Threshold Exceeded

U.S. Securities and Exchange Commission

You’ve Exceeded the SEC’s Traffic Limit

Your request rate has exceeded the SEC’s maximum allowable requests per second. Your access to SEC.gov will be limited for 10 minutes.

Current guidelines limit each user to a total of no more than 10 requests per second, regardless of the number of machines used to submit requests. To ensure that SEC.gov remains available to all users, we reserve the right to block IP addresses that submit excessive requests.

The block will be lifted automatically by waiting 10 minutes. Continuing to exceed the SEC’s maximum allowable request rate during the time-out period will extend the duration of the time-out period. To ensure fair access for all users, please reduce the rate of your requests and visit SEC.gov again after the 10 minute time-out period has passed.

For best practices on efficiently downloading information from SEC.gov, including the latest EDGAR filings, visit sec.gov/developer. You can also sign up for email updates on the SEC open data program, including best practices that make it more efficient to download data, and SEC.gov enhancements that may impact scripted downloading processes. For more information, contact opendata@sec.gov.

For more information, please see the SEC’s Web Site Privacy and Security Policy. Thank you for your interest in the U.S. Securities and Exchange Commission.

Reference ID: 0.e618d017.1785593655.30698ffd

More Information

Internet Security Policy

By using this site, you are agreeing to security monitoring and auditing. For security purposes, and to ensure that the public service remains available to users, this government computer system employs programs to monitor network traffic to identify unauthorized attempts to upload or change information or to otherwise cause damage, including attempts to deny service to users.

Unauthorized attempts to upload information and/or change information on any portion of this site are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act of 1996 (see Title 18 U.S.C. §§ 1001 and 1030).

To ensure our website performs well for all users, the SEC monitors the frequency of requests for SEC.gov content to ensure automated searches do not impact the ability of others to access SEC.gov content. We reserve the right to block IP addresses that submit excessive requests. Current guidelines limit users to a total of no more than 10 requests per second, regardless of the number of machines used to submit requests.

If a user or application submits more than 10 requests per second, further requests from the IP address(es) may be limited for a brief period. Once the rate of requests has dropped below the threshold for 10 minutes, the user may resume accessing content on SEC.gov. This SEC practice is designed to limit excessive automated searches on SEC.gov and is not intended or expected to impact individuals browsing the SEC.gov website.

Note that this policy may change as the SEC manages SEC.gov to ensure that the website performs efficiently and remains available to all users.

Note: We do not offer technical support for developing or debugging scripted downloading processes.

EX-99.1

2 a1q26uveex-991xearningspre.htm

EX-99.1

Document

Exhibit 99.1

Universal Reports First Quarter 2026 Results

•Diluted GAAP earnings per common share (EPS) of $1.88; diluted adjusted* EPS of $2.00

•Annualized return on average common equity (“ROCE”) of 38.2%, annualized adjusted* ROCE of 38.5%

•Direct premiums written of $506.5 million, up 8.5% from the prior year quarter

•Book value per share of $20.95, up 39.9% year-over-year; adjusted book value per share of $22.19, up 32.2% year-over-year

*Reconciliations of non-GAAP to GAAP financial measures are provided in the attached tables.

Fort Lauderdale, Fla., April 23, 2026 – Universal Insurance Holdings (NYSE: UVE) (“Universal” or the “Company”) reported first quarter 2026 results.

“We had a fantastic start to the year, with a 38.2% annualized return on common equity,” said Stephen J. Donaghy, Chief Executive Officer. “Our top-line results were strong, with growth across our multi-state footprint, including in Florida.”

“On a separate note, I'm pleased to announce the completion of our 2026-2027 reinsurance renewal for our insurance entities, as our program is now fully supported and secured. During the renewal process in 2026, we also secured $352 million of additional multi-year coverage, taking us through the 2027-2028 treaty period.”

1

Summary Financial Results

($ in thousands, except per share data) Three Months Ended March 31,

2026

2025 Change

GAAP comparison

Total revenues$393,565 $394,867 (0.3)%

Operating income (loss)$73,287 $57,068 28.4 %

Operating income (loss) margin18.6 %14.5 %4.1 pts

Net income (loss) available to common stockholders$54,288 $41,436 31.0 %

Diluted earnings (loss) per common share$1.88 $1.44 30.6 %

Annualized ROCE38.2 %41.7 %(3.5) pts

Book value per share, end of period$20.95 $14.98 39.9 %

Non-GAAP comparison1

Core revenue$398,162 $394,871 0.8 %

Adjusted operating income (loss)$77,884 $57,072 36.5 %

Adjusted operating income (loss) margin19.6 %14.5 %5.1  pts

Adjusted net income (loss) available to common stockholders$57,754 $41,439 39.4 %

Adjusted diluted earnings (loss) per common share$2.00 $1.44 38.9 %

Annualized adjusted ROCE38.5 %36.4 %2.1  pts

Adjusted book value per share, end of period$22.19 $16.79 32.2 %

Underwriting Summary

Premiums:

Premiums in force$2,178,427 $2,094,505 4.0 %

Policies in force915,306 864,817 5.8 %

Direct premiums written$506,547 $467,078 8.5 %

Direct premiums earned$531,421 $513,257 3.5 %

Ceded premiums earned$(174,519)$(157,536)10.8 %

Ceded premium ratio32.8 %30.7 %2.1  pts

Net premiums earned$356,902 $355,721 0.3 %

Net ratios:

Loss ratio63.9 %70.5 %(6.6) pts

Expense ratio25.8 %24.5 %1.3  pts

Combined ratio89.7 %95.0 %(5.3) pts

1 Reconciliation of non-GAAP to GAAP financial measures are provided in the attached tables. Adjusted net income (loss) available to common stockholders, adjusted diluted earnings (loss) per common share and core revenue exclude net realized gains (losses) on investments and net change in unrealized gains (losses) on investments. Adjusted operating income (loss) excludes the items above and interest and amortization of debt issuance costs. Adjusted book value per share excludes accumulated other comprehensive income (loss), net of taxes. Adjusted ROCE is calculated by dividing annualized adjusted net income (loss) available to common stockholders by average adjusted book value per share, with the denominator further excluding current period after-tax net realized gains (losses) on investments and net change in unrealized gains (losses) on investments.

2

Net Income and Adjusted Net Income

Net income available to common stockholders was $54.3 million, compared to net income of $41.4 million in the prior year quarter, and adjusted net income available to common stockholders was $57.8 million, compared to adjusted net income of $41.4 million in the prior year quarter. The higher adjusted net income available to common stockholders mostly stems from a lower net loss ratio and higher net investment income.

Revenues

Revenue was $393.6 million, down 0.3% from the prior year quarter and core revenue was $398.2 million, up 0.8% from the prior year quarter. The increase in core revenue primarily stems from higher net investment income and net premiums earned.

Direct premiums written were $506.5 million, up 8.5% from the prior year quarter. The increase stems from 4.9% growth in Florida and 18.3% growth in other states. Overall growth mostly reflects higher policies in force and inflation adjustments across our multi-state footprint.

Direct premiums earned were $531.4 million, up 3.5% from the prior year quarter. The increase stems from direct premiums written growth over the past twelve months.

The ceded premium ratio was 32.8%, up from 30.7%, in the prior year quarter. The increase primarily reflects the purchase of additional reinsurance coverage relative to the prior year quarter.

Net premiums earned were $356.9 million, up 0

uve-202602240000891166false00008911662026-02-242026-02-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): February 24, 2026

Universal Insurance Holdings, Inc. (Exact name of registrant as specified in its charter)

Delaware001-3325165-0231984 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

1110 W. Commercial Blvd., Fort Lauderdale, Florida 33309 (Address of Principal Executive Offices) (Zip Code) Registrant’s telephone number, including area code: (954) 958-1200

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $0.01 Par ValueUVENew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On February 24, 2026, Universal Insurance Holdings, Inc. issued a press release announcing its financial results for the fiscal quarter and year ended December 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1. The information in this Current Report on Form 8-K, including Exhibit 99.1 hereto, is being furnished to the Securities and Exchange Commission and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01Financial Statements and Exhibits

(d) Exhibits:

Exhibit NumberDescription

99.1 Press Release dated February 24, 2026.

104The cover page from this Current Report on Form 8-K formatted in Inline XBRL (included as Exhibit 101).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: February 24, 2026UNIVERSAL INSURANCE HOLDINGS, INC.

By:/s/ Frank C. Wilcox Name:Frank C. Wilcox Title:Chief Financial Officer