Universal Insurance Holdings (FRA:5UI) Unearned Premiums: €1,066 Mil (As of Jun. 2026)

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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:5UI Universal Insurance Holdings Inc FRA:5UI
66 GF Score
Price €38.80
GF Value €32.74
! 8 Warning Signs
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What is Universal Insurance Holdings Unearned Premiums?

Universal Insurance Holdings FRA:5UI +2.11% 66 Unearned Premiums is €1,066 Mil as of Jun. 2026. GuruFocus rates FRA:5UI with a GF Score™ of 66/100 and a GF Value™ of €32.74. The stock has 8 warning signs investors should review.

Universal Insurance Holdings's quarterly unearned premiums increased from Dec. 2025 (€985 Mil) to Mar. 2026 (€998 Mil) and increased from Mar. 2026 (€998 Mil) to Jun. 2026 (€1,066 Mil).

Universal Insurance Holdings's annual unearned premiums increased from Dec. 2023 (€953 Mil) to Dec. 2024 (€1,057 Mil) but then declined from Dec. 2024 (€1,057 Mil) to Dec. 2025 (€985 Mil).

Universal Insurance Holdings Unearned Premiums Historical Data

* Premium members only.

The historical data trend for Universal Insurance Holdings's Unearned Premiums can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Universal Insurance Holdings Unearned Premiums Chart

Universal Insurance Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Unearned Premiums
Get a 7-Day Free Trial Premium Member Only Premium Member Only 806.65 942.88 952.96 1,056.88 985.35

Universal Insurance Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Unearned Premiums Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,015.58 1,043.65 985.35 998.20 1,066.30
FRA:5UI
66GF Score
Universal Insurance Holdings Inc FRA:5UI
Unearned Premiums is just one metric. See GF Score™, valuation, warning signs, and more.
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Universal Insurance Holdings Unearned Premiums Calculation

The portion of premium that has not been earned by insurance companies. Insurance companies have to pay them back to the insured if the policies are cancelled.

Frequently Asked Questions Learn more about Unearned Premiums →
What does a Unearned Premiums of €1,066 Mil mean?
Universal Insurance Holdings (FRA:5UI) has a Unearned Premiums of €1,066 Mil as of Jun. 2026. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Universal Insurance Holdings and its competitors.
Is Universal Insurance Holdings' Unearned Premiums too high?
Universal Insurance Holdings' current Unearned Premiums is €1,066 Mil. Overall, Universal Insurance Holdings has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Universal Insurance Holdings' Unearned Premiums compare to ASIC and HGTY?
Universal Insurance Holdings' Unearned Premiums of €1,066 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Unearned Premiums for an Insurance company?
A good Unearned Premiums depends on the Insurance industry context. However, Unearned Premiums should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Unearned Premiums mean?
A high Unearned Premiums can signal that a stock is expensive relative to its fundamentals. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Universal Insurance Holdings and its competitors. Universal Insurance Holdings's current Unearned Premiums is €1,066 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Universal Insurance Holdings stock overvalued right now?
Universal Insurance Holdings (FRA:5UI) has a current Unearned Premiums of €1,066 Mil. The stock's GF Value™ is €32.74, compared to a current price of €38.80 — trading 18.5% above its estimated fair value. The current Unearned Premiums is €1,066 Mil. Universal Insurance Holdings' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Unearned Premiums calculated?
Unearned Premiums is calculated from a company's financial statements. For Universal Insurance Holdings (FRA:5UI), the current Unearned Premiums is €1,066 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Universal Insurance Holdings (FRA:5UI) Overvalued in 2026?

Based on GuruFocus' analysis, Universal Insurance Holdings stock appears to be overvalued. The current stock price of €38.80 is trading 18.5% above its estimated GF Value™ of €32.74.

Key valuation signals for FRA:5UI:

  • Unearned Premiums: €1,066 Mil
  • GF Value™: €32.74 vs. price of €38.80 (18.5% above fair value)
  • GF Score™: 66/100 with 8 warning signs

No single metric tells the full story. See the FRA:5UI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Universal Insurance Holdings Business Description

Other Exchanges UVE:USA
Address 1110 W. Commercial Boulevard, Fort Lauderdale, FL, USA, 33309
Universal Insurance Holdings Inc is an insurance holding company. Through its subsidiaries, the company mainly offers property and casualty insurance and value-added insurance services. It develops, markets, and underwrites insurance products for consumers predominantly in the personal residential homeowners lines of business and performs all other insurance-related services for its primary insurance entities, including risk management, claims management, and distribution. The group offers the following types of personal residential insurance: homeowners, renters/tenants, condo unit owners, and dwelling/fire, through an independent agent network and online distribution channels across multiple states in the United States of America.
66GF Score

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Unearned Premiums is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€38.80
Price
€32.74
GF Value