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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

Nov 3, 2026 (in 2 months)
Revenue estimate$384.2M
EPS estimate$1.19

Financials

Q4 2025

Income statement

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

Balance sheet

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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

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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

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

Returns & leverage

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

FAQ

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.