Universal Insurance Holdings EBITDA 2011-2026 | UVE

Earnings before Interest, Taxes, Depreciation, and Amortization (EBITDA), is an often used measure of a company's profitability. Financial analysts use EBITDA for a number of purposes including calculating simple valuations of a firm, estimating cash flows, and assessing debt servicing capability. The uses for EBITDA in financial analysis are numerous, but in practice should be more restrained. While EBITDA has some useful applications, it should be used with caution, as the problems with EBITDA are abundant and can lead to a number of misguided conclusions.^[1]

EBITDA is an important indicator for investors and analysts because it allows them to evaluate a company's operating profit without considering the impact of financial expenses, taxes, or non-cash depreciation and amortization. It provides better comparability between companies in different industries or with different tax conditions.

EBITDA is often used to assess a company's ability to generate cash flow and repay debts. It can also serve as a measure of a company's operational efficiency, as it shows how profitable the core business is, regardless of external factors such as interest or taxes.

However, it is important to note that EBITDA is not an official financial statement measure and can be defined and calculated differently by companies. Therefore, investors and analysts should exercise caution when using EBITDA as an evaluation tool and combine it with other financial metrics and information to get a more complete picture of a company's financial condition.

Annual EBITDA Universal Insurance Holdings

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
6.44 M	6.12 M	7.31 M	7.3 M	6.91 M	5.11 M	-	-	-	166 M	177 M	129 M	102 M	53.4 M	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
177 M	5.11 M	60.6 M

Quarterly EBITDA Universal Insurance Holdings

2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
75 K	75 K	-	49 K	47 K	46 K	-	46 K	47 K	46 K	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	389 K	-	845 K	551 K	280 K	-	745 K	497 K	249 K	-	625 K	410 K	199 K	-	379 K	299 K	182 K

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
845 K	46 K	290 K

References

Brockman, C. M., & Russell, J. W. (2012). EBITDA: use it... or lose it?. International Journal of Business, Accounting and Finance, 6(2), 84-93.

EBITDA of other stocks in the Insurance property industry

Issuer	EBITDA	Price	% 24h	Market Cap	Country
Conifer Holdings CNFR	-25.9 M	-	24.38 %	$ 18.1 M	USA
Argo Group International Holdings, Ltd. ARGO	39.6 M	-	-	$ 1.05 B	Bermuda
Donegal Group Class B DGICB	4.84 M	$ 19.76	4.66 %	$ 662 M	USA
AXIS Capital Holdings Limited AXS	10.9 M	$ 99.31	-2.14 %	$ 8.36 B	Bermuda
FedNat Holding Company FNHC	1.92 M	-	-6.45 %	$ 5.11 M	USA
Protective Insurance Corporation PTVCA	44.5 M	-	-0.13 %	$ 330 M	USA
NMI Holdings NMIH	11.3 M	$ 41.11	-0.12 %	$ 3.19 B	USA
State Auto Financial Corporation STFC	1.01 B	-	0.19 %	$ 2.3 B	USA
Hallmark Financial Services HALL	2.02 M	-	-11.93 %	$ 1.49 M	USA
Donegal Group Class A DGICA	4.84 M	$ 17.73	-0.06 %	$ 662 M	USA
American Financial Group AFG	1.16 B	$ 130.28	-1.47 %	$ 10.9 B	USA
Mercury General Corporation MCY	75 M	$ 96.47	-1.2 %	$ 5.34 B	USA
The Progressive Corporation PGR	313 M	$ 200.89	-2.17 %	$ 118 B	USA
Global Indemnity Group, LLC GBLI	5.66 M	$ 27.8	-0.02 %	$ 395 M	Irlanda
HCI Group HCI	4.3 M	$ 156.84	2.16 %	$ 1.57 B	USA
Heritage Insurance Holdings HRTG	96.2 M	$ 29.27	4.65 %	$ 904 M	USA
Kinsale Capital Group KNSL	5.83 M	$ 345.08	-0.78 %	$ 7.99 B	USA
The National Security Group NSEC	289 K	-	-	$ 41 M	USA
Horace Mann Educators Corporation HMN	26.2 M	$ 45.54	-1.56 %	$ 1.88 B	USA
Kemper Corporation KMPR	74.3 M	$ 32.82	0.58 %	$ 2.04 B	USA
Lemonade LMND	15.2 M	$ 65.71	-0.65 %	$ 4.86 B	USA
Chubb Limited CB	323 M	$ 326.12	-2.03 %	$ 132 B	Schweiz
Selective Insurance Group SIGI	32.7 M	$ 82.48	-2.25 %	$ 5 B	USA
Stewart Information Services Corporation STC	61.1 M	$ 71.67	1.03 %	$ 2.01 B	USA
Safety Insurance Group SAFT	11.5 M	$ 76.04	-0.09 %	$ 1.12 B	USA
The Travelers Companies TRV	680 M	$ 302.73	-1.5 %	$ 67.9 B	USA
Sirius International Insurance Group, Ltd. SG	-62.9 M	-	2.85 %	$ 1.34 B	Bermuda
The Hanover Insurance Group THG	928 M	$ 177.54	-2.38 %	$ 6.36 B	USA
United Fire Group UFCS	10.8 M	$ 40.15	0.48 %	$ 1.02 B	USA
Kingstone Companies KINS	2.56 M	$ 17.6	1.03 %	$ 245 M	USA
White Mountains Insurance Group, Ltd. WTM	-6.4 M	$ 2 259.27	-1.14 %	$ 5.72 B	USA
W. R. Berkley Corporation WRB	-48.1 M	$ 66.53	-2.8 %	$ 26.4 B	USA
XL Fleet Corp. XL	48.1 M	-	20.97 %	$ 161 M	USA
ProAssurance Corporation PRA	13.7 M	$ 24.69	0.2 %	$ 1.27 B	USA
The Allstate Corporation ALL	555 M	$ 212.88	-1.7 %	$ 56.3 B	USA
United Insurance Holdings Corp. UIHC	144 M	-	1.28 %	$ 341 M	USA
Unico American Corporation UNAM	570 K	-	9.09 %	$ 6.37 M	USA
Cincinnati Financial Corporation CINF	36 M	$ 164.48	-2.2 %	$ 25.7 B	USA
CNA Financial Corporation CNA	70 M	$ 48.18	-1.17 %	$ 13.1 B	USA
Alleghany Corporation Y	178 M	-	-	$ 11.4 B	USA
Loews Corporation L	607 M	$ 110.58	-1.58 %	$ 23.1 B	USA
Markel Corporation MKL	3.54 B	$ 1 912.45	-0.92 %	$ 24.1 B	USA
NI Holdings NODK	694 K	$ 13.24	1.46 %	$ 278 M	USA
Palomar Holdings PLMR	8.93 M	$ 126.07	-2.04 %	$ 3.36 B	USA
RLI Corp. RLI	8.13 M	$ 52.81	-3.88 %	$ 4.85 B	USA