万全保险 2026年季度报告

FORM 10-Q________________________________________________________ (Mark One)☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2026 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the transition period fromto UNIVERSAL INSURANCE HOLDINGS, INC.(Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction ofincorporation or organization) (I.R.S. EmployerIdentification No.) 1110 W. Commercial Blvd., Fort Lauderdale, Florida 33309(Address of principal executive offices) (Zip Code) (954) 958-1200(Registrant’s telephone number, including area code)________________________________________________________ Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports),and (2)has been subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that theregistrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” Table of Contents “smallerreportingcompany,”and“emerginggrowthcompany”inRule12b-2oftheExchangeAct.Large accelerated filer☒Accelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No☒ Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date:27,830,355 shares of common stock, par value $0.01 per share, outstanding on July27, 2026. UNIVERSAL INSURANCE HOLDINGS, INC.TABLE OF CONTENTSPART I – FINANCIAL INFORMATION Item1.Financial Statements:4Condensed Consolidated Balance Sheets as ofJune 30, 2026(unaudited) andDecember31, 20254Condensed Consolidated Statements of Income for thethree and six-month periods endedJune 30, 2026 and2025(unaudited)5Condensed Consolidated Statements of Comprehensive Income for the three and six-month periods ended June30, 2026 and 2025(unaudited)5Condensed Consolidated Statements of Stockholders’ Equity for the three and six-month periods endedJune 30,2026 and 2025(unaudited)6Condensed Consolidated Statements of Cash Flows for the six-month periods endedJune 30, 2026 and 2025(unaudited)8Notes to Condensed Consolidated Financial Statements (unaudited)9Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations26Item 3.Quantitative and Qualitative Disclosures about Market Risk51Item 4.Controls and Procedures52PART II – OTHER INFORMATION Item 1.Legal ProceedingsItem1A.Risk FactorsItem2.Unregistered Sales of Equity Securities and Use of ProceedsItem5.Other InformationItem 6.ExhibitsSignatures REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM To the Board of Directors and Stockholders ofUniversal Insurance Holdings, Inc.Fort Lauderdale, Florida RESULTS OF REVIEW OF INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS We have reviewed the accompanying condensed consolidated balance sheet of Universal Insurance Holdings, Inc. and its whollyowned subsidiaries (the “Company”) as of June 30, 2026 and the related condensed consolidated statements of income, comprehensiveincome and stockholders’ equity for the three-month and six-month periods ended June 30, 2026 and 2025, and the related condensedconsolidated statement of cash flows for the six-month periods ended June 30, 2026 and 2025. Based on our reviews, we are not awareof any material modifications that should be made to the accompanying interim financial statements for them to be in conformity withaccounting principles generally accepted in the United States of America. We have previously audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States)(“PCAOB”), the consolidated balance sheet of Universal Insurance Holdings, Inc. as of December 31, 2025 and the relatedconsolidated statements of income, comprehensive income, stockholders’ equity and cash flows for the year t