)
Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Universal Insurance
Universal Insurance (UVE) investor relations material
Universal Insurance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary25 Feb, 2026
Executive summary
Diluted GAAP EPS for Q4 2025 was $2.28; adjusted EPS was $2.17, reflecting strong profitability and annualized ROCE of 50.9% with adjusted ROCE at 46.1%.
Book value per share increased 48.1% year-over-year to $19.67; adjusted book value per share rose 32.6% to $20.60.
Direct premiums written grew 2.7% year-over-year to $483.7 million, driven by growth outside Florida.
Net income available to common stockholders was $66.6 million, up from $6.0 million in the prior year quarter.
Results were strong across all business areas, reflecting progress made in 2025 and benefits from Florida's legislative reforms.
Financial highlights
Total revenues for Q4 2025 were $407.9 million, up 6.0% year-over-year; core revenue was $403.6 million, up 4.4%.
Net premiums earned increased 4.3% to $363.4 million; net investment income rose to $19.0 million from $15.6 million.
Net loss ratio improved to 61.3% from 82.3% year-over-year; combined ratio dropped to 87.5% from 107.9%.
Adjusted net income available to common stockholders was $63.3 million, up from $7.2 million.
Direct premiums written for FY25 totaled $2.1 billion.
Outlook and guidance
90% of the 2026 reinsurance program's first event catastrophe tower is already placed, with additional multi-year capacity secured for the 2027 hurricane season.
Actuarial study on rates for 2026 will begin at the end of March.
Focus remains on disciplined growth, maximizing earnings stability, and maintaining a resilient balance sheet.
Management expects continued benefits from Florida's legislative reforms and a robust capital position.
Florida premium decline drivers?
2027 multi-year reinsurance capacity details?
What are the higher other operating costs?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Universal Insurance earnings date
Q1 202624 Apr, 2026
Universal Insurance
Next Universal Insurance earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Universal Insurance Holdings Inc is a property and casualty insurance company providing homeowners insurance products. The company operates through its subsidiaries and distributes policies through a network of independent agents across the United States. Its services include underwriting, claims handling, and risk assessment. Universal Insurance Holdings Inc is headquartered in Fort Lauderdale, Florida, and its shares are listed on the NYSE.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage