What is United Fire Group's commercial automobile — year 1?

United Fire Group (UFCS) reported commercial automobile — year 1 of 35.7% in Q4 2025.

How has United Fire Group's commercial automobile — year 1 changed year-over-year?

United Fire Group's commercial automobile — year 1 decreased by 0.8% year-over-year, from 36% to 35.7%.

What does commercial automobile — year 1 mean?

This metric represents the loss experience or claims development specifically for the first year of a policy cohort within the commercial automobile segment. It is used to evaluate the initial performance and loss trends of the most recent underwriting period.

United Fire Group UFCS Commercial automobile — Year 1

Similar metrics at other companies

CNACommercial Auto — Year 1

22.6%-1.1pp

KMPRCommercial Automobile Insurance—Liability — Year 1

19.1%-2.4pp

ORICommercial Automobile — Year 1

35%-0.4pp

HIGCommercial automobile physical damage — 1st Year

80.7%+2.5pp

CNACommercial Auto — Year 2

22.5%+0.2pp

KMPRCommercial Automobile Insurance—Physical Damage — Year 1

87.2%+1.8pp

Other financials

Income statement

See full

Revenue$369.4M+11.6%

Net income$30.1M+69.8%

EPS (diluted)$1.15+71.6%

Balance sheet

See full

Cash & equivalents$162.0M-11.8%

Total debt$146.3M—

Total equity$950.6M+16.3%

Total assets$3.9B+10.8%

Cash flow

See full

Operating cash flow$56.6M+58.7%

CapEx$384.0K-84.6%

Free cash flow$56.2M+69.5%

Valuation

See full

Market cap$1.31B+26.5%

Enterprise value$1.29B—

P/E10×-5.6×

P/S0.9×+0.1×

Profitability

See full

Net margin9.2%+4.0pp

FCF margin20.1%-5.4pp

Returns & leverage

See full

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 us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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

Ask your AI about United Fire Group's commercial automobile — year 1.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is United Fire Group's commercial automobile — year 1?: United Fire Group (UFCS) reported commercial automobile — year 1 of 35.7% in Q4 2025.
How has United Fire Group's commercial automobile — year 1 changed year-over-year?: United Fire Group's commercial automobile — year 1 decreased by 0.8% year-over-year, from 36% to 35.7%.
What does commercial automobile — year 1 mean?: This metric represents the loss experience or claims development specifically for the first year of a policy cohort within the commercial automobile segment. It is used to evaluate the initial performance and loss trends of the most recent underwriting period.