Compare
Universal Insurance Holdings, Inc. vs Root, Inc. vs Skyward Specialty Insurance Group, Inc. vs Kinsale Capital Group, Inc.
| Latest fiscal year | Universal Insurance Holdings, Inc. UVE | Root, Inc. ROOT | Skyward Specialty Insurance Group, Inc. SKWD | Kinsale Capital Group, Inc. KNSL |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2025-12-31 | 2025-12-31 | 2025-12-31 |
| Revenue | $1.60B | $1.52B | $1.42B | $1.87B |
| Revenue growth (YoY) | +5.5% | +29.0% | +23.2% | +18.0% |
| 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% | 12.0% | 26.9% |
| Net income | $182.95M | $40.30M | $170.03M | $503.61M |
| EPS (Diluted) | $6.32 | $2.36 | $4.07 | $21.65 |
| Operating cash flow | $381.49M | $206.50M | $408.08M | $1.04B |
| Free cash flow | $377.06M | $206.50M | $402.62M | $990.05M |
| Cash & equivalents | $408.87M | $669.30M | $168.54M | n/a |
| Total assets | $2.84B | $1.67B | $4.79B | $6.04B |
| Total liabilities | $2.29B | $1.28B | $3.78B | $4.08B |
| Shareholders' equity | $551.03M | $284.30M | $1.01B | $1.96B |
| Return on year-end equity | 33.2% | 14.2% | 16.8% | 25.7% |
| Shares outstanding | 28.01M | n/a | 40.51M | 23.15M |
Revenue, most recent five fiscal years
| Fiscal year | Universal Insurance Holdings, Inc. | Root, Inc. | Skyward Specialty Insurance Group, Inc. | Kinsale Capital Group, Inc. |
|---|---|---|---|---|
| Latest | $1.60B Ended 2025-12-31 | $1.52B Ended 2025-12-31 | $1.42B Ended 2025-12-31 | $1.87B Ended 2025-12-31 |
| 1 year earlier | $1.52B Ended 2024-12-31 | $1.18B Ended 2024-12-31 | $1.15B Ended 2024-12-31 | $1.59B Ended 2024-12-31 |
| 2 years earlier | $1.39B Ended 2023-12-31 | $455.00M Ended 2023-12-31 | $885.97M Ended 2023-12-31 | $1.22B Ended 2023-12-31 |
| 3 years earlier | $1.22B Ended 2022-12-31 | $310.80M Ended 2022-12-31 | $642.42M Ended 2022-12-31 | $838.80M Ended 2022-12-31 |
| 4 years earlier | $1.12B Ended 2021-12-31 | $345.40M Ended 2021-12-31 | $550.18M Ended 2021-12-31 | $653.47M Ended 2021-12-31 |