Looking at the filing carefully: the ceded premiums earned for the three months ended September 30, 2026 were $(153,528) thousand - this IS in the filing. The ticker UVE on the New York Stock Exchange is also confirmed in the filing. I need to correct my previous draft accordingly and ensure all figures are sourced from the filing text.

Universal Insurance Holdings, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026 with the Securities and Exchange Commission on October 29, 2026, reporting condensed consolidated financial statements for the three- and nine-month periods ended September 30, 2026.

Key Highlights

  • Direct premiums written: The company reported direct premiums written of $608,878 thousand for the three months ended September 30, 2026, compared with $592,774 thousand in the same period of 2025, according to the filing.
  • Direct premiums earned: Direct premiums earned for the three months ended September 30, 2026 were $556,724 thousand, versus $534,106 thousand in the prior-year quarter, the filing disclosed.
  • Total assets: As of September 30, 2026, total assets stood at $3,183,570 thousand, up from $2,839,695 thousand as of December 31, 2025, per the condensed consolidated balance sheet.
  • Retained earnings: Retained earnings were reported at $909,546 thousand as of September 30, 2026, compared with $757,449 thousand at December 31, 2025, according to the filing.
  • Total stockholders' equity: Total stockholders' equity was $646,036 thousand as of September 30, 2026, versus $551,035 thousand at December 31, 2025, the company disclosed.
  • Shares outstanding: As of October 26, 2026, the registrant reported 27,670,206 shares of common stock outstanding at a par value of $0.01 per share.

Financial Position and Premium Activity for the Period Ended September 30, 2026

Universal Insurance Holdings, Inc. (NYSE:UVE), a Delaware-incorporated property and casualty insurance holding company headquartered in Fort Lauderdale, Florida, reported its unaudited condensed consolidated financial results for the three- and nine-month periods ended September 30, 2026. The company's primary operating activities involve writing direct insurance premiums, with reinsurance arrangements used to manage exposure, as reflected in the filing's income statement structure distinguishing direct premiums earned from ceded premiums earned.

For the three months ended September 30, 2026, the filing reported direct premiums written of $608,878 thousand and ceded premiums earned of $(153,528) thousand. For the nine months ended September 30, 2026, direct premiums written reached $1,736,739 thousand, while ceded premiums earned were $(495,580) thousand, according to the condensed consolidated statements of income. The change in unearned premiums for the three-month period was $(52,154) thousand, compared with $(58,668) thousand in the prior-year period, the filing disclosed.

On the balance sheet as of September 30, 2026, the company reported total invested assets of $1,605,981 thousand, including available-for-sale debt securities at fair value of $1,474,856 thousand and equity securities at fair value of $117,710 thousand. Prepaid reinsurance premiums increased to $409,251 thousand from $291,031 thousand at December 31, 2025. Unpaid losses and loss adjustment expenses declined to $616,079 thousand from $680,712 thousand at year-end 2025, while unearned premiums rose to $1,195,747 thousand from $1,091,959 thousand over the same period, the filing stated. The company's debt, net of issuance costs, was $97,336 thousand as of September 30, 2026, compared with $100,481 thousand at December 31, 2025.

What Was Disclosed

Universal Insurance Holdings filed a Form 10-Q for the quarter ended September 30, 2026, disclosing condensed consolidated balance sheets, statements of income, comprehensive income, stockholders' equity, and cash flows, reviewed by Plante and Moran, PLLC, with no material modifications noted.