Universal Insurance第三季度净利润5250万美元：调整后每股收益1.93美元，综合成本率降至91%
总部位于美国佛罗里达州 Fort Lauderdale 的财产保险公司 Universal Insurance Holdings（NYSE: UVE）10月22日公布2026年第三季度业绩：净利润5,250万美元、同比增长31.8%，调整后每股收益1.93美元，高于上年同期的1.36美元；按美国通用会计准则计算的每股收益为1.80美元，净综合成本率降至91.0%。
当季直接承保保费6.089亿美元、同比增长2.7%，其中佛罗里达州以外市场增长18.5%，部分抵消了佛州本地保费3.3%的下滑；总收入4.393亿美元、增长9.6%，净已赚保费4.032亿美元、增长12.1%。净赔付率降至64.6%，较上年同期改善5.6个百分点；分出保费比例从32.7%降至27.6%，公司称这得益于6月1日生效的新再保险计划。公司有效保单数量同比增长8%，每股账面价值23.37美元、同比增长32.4%。
首席执行官 Stephen J. Donaghy 表示，公司当季录得年化32.7%的平均普通股权益回报率，靠的是稳健的承保与收入表现；他说：「我们的净赔付率持续改善，新业务趋势稳健。」
公司同时披露，季度结束后，飓风 Isaias 以2级飓风强度在佛罗里达州狭长地带 Destin 附近登陆，随后迅速减弱。Donaghy 说，理赔团队立即派出外勤查勘员前往受影响社区、直接协助保单持有人加快查勘与赔付；目前的理赔活动低于最初预期，公司的首要任务是帮助客户尽快恢复正常生活。
Universal Insurance Q3 Net Income Rises to $52.5 Million: Adjusted EPS $1.93, Combined Ratio Improves to 91%
Universal Insurance Holdings (NYSE: UVE), a property and casualty insurer based in Fort Lauderdale, Florida, reported third-quarter 2026 results on October 22: net income rose 31.8% year over year to $52.5 million, with adjusted diluted earnings per share of $1.93, up from $1.36 a year earlier. GAAP diluted EPS was $1.80, and the net combined ratio improved to 91.0%.
Direct premiums written rose 2.7% to $608.9 million, as an 18.5% increase outside Florida partly offset a 3.3% decline in its home state. Total revenues grew 9.6% to $439.3 million, and net premiums earned climbed 12.1% to $403.2 million. The net loss ratio fell 5.6 points to 64.6%, while the ceded premium ratio dropped to 27.6% from 32.7% under a new reinsurance program that took effect on June 1. Policies in force grew 8%, and book value per share rose 32.4% year over year to $23.37.
Chief Executive Officer Stephen J. Donaghy said the company delivered a 32.7% annualized return on average common equity in the quarter, driven by solid underwriting and revenue performance. "Our net loss ratio continues to improve and new business trends are solid," he said.
The company also disclosed that after the quarter ended, Hurricane Isaias made landfall near Destin in the western Florida Panhandle as a Category 2 hurricane before quickly weakening. Donaghy said claims teams deployed field adjusters to affected communities to expedite inspections and payments, that claims activity so far has been less significant than initially anticipated, and that the priority remains helping customers recover and return to normal as quickly as possible.
来源：GSM·美国（原文链接）
图片来源：图：佛罗里达州 Fort Lauderdale 海岸住宅与运河社区航拍（资料图）。摄影：Art01852，CC BY 2.0，经 Wikimedia Commons。 / Aerial view of coastal homes and canals in Fort Lauderdale, Florida (file photo), by Art01852, CC BY 2.0, via Wikimedia Commons.
