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United Fire Group UFCS Casualty Excess of Loss — Exhaustion Point

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Other financials

Income statement

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Revenue$369.4M+11.6%
Net income$30.1M+69.8%
EPS (diluted)$1.15+71.6%

Balance sheet

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Cash & equivalents$162.0M-11.8%
Total debt$146.3M
Total equity$950.6M+16.3%
Total assets$3.9B+10.8%

Cash flow

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Operating cash flow$56.6M+58.7%
CapEx$384.0K-84.6%
Free cash flow$56.2M+69.5%

Valuation

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Market cap$1.29B+76.8%
Enterprise value$1.27B
P/E9.9×-1.1×
P/S0.9×+0.3×

Profitability

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Net margin9.2%+4.0pp
FCF margin20.1%-5.4pp

Returns & leverage

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Return on equity14.8%+6.3pp
Debt / equity0.2×

Where this comes from

Reported directly by United Fire Group in its filing.

Tagged under the XBRL concept ufcs:ReinsuranceMaximumInsuranceCoveragePerIncident.

The official record: United Fire Group’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Fire Group's casualty excess of loss — exhaustion point?
United Fire Group (UFCS) reported casualty excess of loss — exhaustion point of $15K in Q4 2025.
How has United Fire Group's casualty excess of loss — exhaustion point changed year-over-year?
United Fire Group's casualty excess of loss — exhaustion point decreased by 0.0% year-over-year, from $15K to $15K.
What is the long-term trend for United Fire Group's casualty excess of loss — exhaustion point?
Over 4 years (2021 to 2025), United Fire Group's casualty excess of loss — exhaustion point has grown at a -82.2% compound annual growth rate (CAGR), from $60M to $60K.
What does casualty excess of loss — exhaustion point mean?
This metric defines the maximum amount of loss covered by a specific layer of reinsurance, representing the point at which the reinsurer's liability ends. It is a critical parameter for understanding the upper bounds of protection against large casualty claims. Investors use this to assess the company's total exposure to severe loss events that exceed the reinsurance program's capacity.