Compare
Universal Insurance Holdings, Inc. vs Root, Inc. vs Horace Mann Educators Corp vs Skyward Specialty Insurance Group, Inc.
| Latest fiscal year | Universal Insurance Holdings, Inc. UVE | Root, Inc. ROOT | Horace Mann Educators Corp HMN | Skyward Specialty Insurance Group, Inc. SKWD |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2025-12-31 | 2025-12-31 | 2025-12-31 |
| Revenue | $1.60B | $1.52B | $1.70B | $1.42B |
| Revenue growth (YoY) | +5.5% | +29.0% | +6.7% | +23.2% |
| Gross margin | n/a | n/a | n/a | n/a |
| Operating margin | n/a | 4.1% | n/a | n/a |
| Net margin | 11.4% | 2.7% | 9.5% | 12.0% |
| Net income | $182.95M | $40.30M | $162.10M | $170.03M |
| EPS (Diluted) | $6.32 | $2.36 | $3.90 | $4.07 |
| Operating cash flow | $381.49M | $206.50M | $553.20M | $408.08M |
| Free cash flow | $377.06M | $206.50M | n/a | $402.62M |
| Cash & equivalents | $408.87M | $669.30M | $27.50M | $168.54M |
| Total assets | $2.84B | $1.67B | $15.27B | $4.79B |
| Total liabilities | $2.29B | $1.28B | $13.78B | $3.78B |
| Shareholders' equity | $551.03M | $284.30M | $1.48B | $1.01B |
| Return on year-end equity | 33.2% | 14.2% | 10.9% | 16.8% |
| Shares outstanding | 28.01M | n/a | n/a | 40.51M |
Revenue, most recent five fiscal years
| Fiscal year | Universal Insurance Holdings, Inc. | Root, Inc. | Horace Mann Educators Corp | Skyward Specialty Insurance Group, Inc. |
|---|---|---|---|---|
| Latest | $1.60B Ended 2025-12-31 | $1.52B Ended 2025-12-31 | $1.70B Ended 2025-12-31 | $1.42B Ended 2025-12-31 |
| 1 year earlier | $1.52B Ended 2024-12-31 | $1.18B Ended 2024-12-31 | $1.60B Ended 2024-12-31 | $1.15B Ended 2024-12-31 |
| 2 years earlier | $1.39B Ended 2023-12-31 | $455.00M Ended 2023-12-31 | $1.49B Ended 2023-12-31 | $885.97M Ended 2023-12-31 |
| 3 years earlier | $1.22B Ended 2022-12-31 | $310.80M Ended 2022-12-31 | $1.38B Ended 2022-12-31 | $642.42M Ended 2022-12-31 |
| 4 years earlier | $1.12B Ended 2021-12-31 | $345.40M Ended 2021-12-31 | $1.33B Ended 2021-12-31 | $550.18M Ended 2021-12-31 |