What is United Fire Group's commercial automobile — year 3?

United Fire Group (UFCS) reported commercial automobile — year 3 of 17.3% in Q4 2025.

How has United Fire Group's commercial automobile — year 3 changed year-over-year?

United Fire Group's commercial automobile — year 3 increased by 2.4% year-over-year, from 16.9% to 17.3%.

What does commercial automobile — year 3 mean?

Represents the cumulative incurred losses or claims development for commercial automobile insurance policies at the three-year maturity point. This metric is used to evaluate the accuracy of initial loss reserves and the long-term profitability of the commercial auto underwriting segment.

United Fire Group UFCS Commercial automobile — Year 3

Similar metrics at other companies

CNACommercial Auto — Year 3

19.1%+0.7pp

KMPRCommercial Automobile Insurance—Liability — Year 3

65.6%-3.5pp

ORICommercial Automobile — Year 3

16.4%+0.4pp

HIGCommercial automobile physical damage — 3rd Year

0.4%+0.3pp

KMPRCommercial Automobile Insurance—Physical Damage — Year 3

100%0.0pp

HMNAutomobile Liability — Year Three

15%+0.1pp

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$1.31B+26.5%

Enterprise value$1.29B—

P/E10×-5.6×

P/S0.9×+0.1×

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 us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 commercial automobile — year 3?: United Fire Group (UFCS) reported commercial automobile — year 3 of 17.3% in Q4 2025.
How has United Fire Group's commercial automobile — year 3 changed year-over-year?: United Fire Group's commercial automobile — year 3 increased by 2.4% year-over-year, from 16.9% to 17.3%.
What does commercial automobile — year 3 mean?: Represents the cumulative incurred losses or claims development for commercial automobile insurance policies at the three-year maturity point. This metric is used to evaluate the accuracy of initial loss reserves and the long-term profitability of the commercial auto underwriting segment.