Skip to content
OpenCapital
Get started

United Fire Group UFCS Q4 2025 Annual earnings

Reported February 10, 2026 · After market close

Revenue$341.1MBeat by $35.1M
EPS$1.50Beat by $0.60
Revenue estimate$306.0M
EPS estimate$0.90

Next report

Aug 3, 2026 (In 5 days)
Revenue estimate$347.8M
EPS estimate$0.72

Financials

Q4 2025

Income statement

See full
Revenue$365.8M+9.8%
Net income$38.4M+22.0%
EPS (diluted)$1.45+19.8%

Balance sheet

See full
Cash & equivalents$156.3M-22.2%
Total debt$159.4M+629%
Total equity$941.2M+20.4%
Total assets$3.8B+10.1%

Cash flow

See full
Operating cash flow$119.8M-23.3%
CapEx$655.0K-77.7%
Free cash flow$119.2M-22.3%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$927.45M+28.6%
Enterprise value$930.47M+71.7%
P/E7.8×-3.8×
P/S0.7×+0.1×

Profitability

See full
Net margin8.5%+3.6pp
FCF margin19%-7.2pp

Returns & leverage

See full
Return on equity13.7%+5.5pp
Debt / equity0.2×+0.1×

Versus estimates

Revenue

Q1 2026$343.0MBeat by $2.8M
Q4 2025$341.1MBeat by $35.1M
Q3 2025$354.0MBeat by $21.7MQ2 2025$336.6MMiss by $8.6MQ1 2025$21.1MMiss by $324.0MQ4 2024$331.7MBeat by $4.0M

Diluted EPS

Q1 2026$1.16Beat by $0.29
Q4 2025$1.50Beat by $0.60
Q3 2025$1.50Beat by $0.81Q2 2025$0.90Beat by $0.33Q1 2025$0.70Beat by $0.08Q4 2024$1.25Beat by $0.64

Ask the moment United Fire Group reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did United Fire Group report Q4 2025 earnings?
United Fire Group (UFCS) reported Q4 2025 earnings on February 10, 2026 after market close.
What were United Fire Group's Q4 2025 revenue and EPS?
United Fire Group reported revenue of $341.1M and eps of $1.50 for Q4 2025.
Did United Fire Group beat estimates in Q4 2025?
Revenue beat the consensus estimate of $306.0M by $35.1M. EPS beat the consensus estimate of $0.90 by $0.60.
How did United Fire Group's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 2.8% from $331.7M a year earlier and eps grew 20.0% from $1.25.
Where can I find United Fire Group's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000101199-26-000006) and the 10-K periodic report (0000101199-26-000015) directly on SEC EDGAR. The filing index links above go to sec.gov.