Form 4: Universal Insurance Executive Gifts Shares

Sean P. Downes, Executive Chairman of Universal Insurance Holdings, Inc., reported gifting 45,000 shares directly and acquiring 30,000 shares indirectly.

Summary

• Sean P. Downes, Executive Chairman and Director of Universal Insurance Holdings, Inc. (UVE), reported changes in his beneficial ownership of common stock.
• On December 30, 2025, Mr. Downes disposed of 15,000 shares of common stock directly via a gift (Transaction Code 'G') at a price of $0.
• On the same date, Mr. Downes disposed of an additional 30,000 shares of common stock directly via a gift (Transaction Code 'G') at a price of $0.
• Also on December 30, 2025, Mr. Downes acquired 30,000 shares of common stock indirectly through his children via a gift (Transaction Code 'G') at a price of $0.
• Following these transactions, Mr. Downes directly beneficially owns 1,198,512 shares of common stock.
• Indirect beneficial ownership includes 48,000 shares held by his children and 2,000 shares held by his spouse.

Sentiment

Score: 5

Explanation: The filing reports personal insider transactions (gifts) which are generally neutral in terms of direct impact on the company's operational performance or valuation. It is not a market sale for cash.

Positives

• None directly impacting company performance or valuation.

Negatives

• None directly impacting company performance or valuation.

Future Outlook

This Form 4 filing does not contain any forward-looking statements or guidance regarding the company's future outlook.

Industry Context

This filing reports an insider's personal stock transactions and does not provide information related to broader industry trends or competitive landscape for Universal Insurance Holdings, Inc.

Related Party Transactions

• Sean P. Downes gifted 30,000 shares of common stock indirectly to his children.
• Indirect beneficial ownership includes 48,000 shares held by his children and 2,000 shares held by his spouse.

Stakeholder Impact

• Shareholders: Minimal direct impact as these are gifts, not market sales, though a reduction in direct insider ownership is noted.
• Reporting Person (Sean P. Downes): Changes in direct and indirect beneficial ownership as reported.

Key Dates

Keywords

UVE, Universal Insurance Holdings, Insider Transaction, Form 4, Sean P. Downes, Stock Gift, Beneficial Ownership