Universal Insurance reports Q2 EPS of $2.04, up 68.6%, with 38.8% annualized ROCE

Filed July 23, 2026 · Period ending July 23, 2026 · ~1 min read

Key Changes

• high

  Diluted EPS of $2.04, up 68.6% year-over-year, with annualized return on common equity of 38.8%. Book value per share increased 39.7% to $22.89.

  Exhibit 99.1 view on EDGAR →
• high

  Net loss ratio improved 7.5 percentage points to 64.8% from 72.3%, driven by favorable claims and litigation trends from Florida's legislative reforms. Combined ratio improved to 91.6% from 97.8%.

  Exhibit 99.1 view on EDGAR →
• medium

  Direct premiums written grew 4.1% to $621.3 million, with Florida up 0.8% and other states up 14.4%. Policies in force increased 7.1% year-over-year to 934,371.

  Exhibit 99.1 view on EDGAR →