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United Fire Group UFCS Commercial fire and allied — Year 8

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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$1.4B+90.8%
Enterprise value$1.38B
P/E10.7×+2.7×
P/S+0.4×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

The source filing: United Fire Group’s 10-K, filed February 26, 2026.

Filed
Feb 26, 2026, 12:49 PM EST
Fiscal year
FY2025
Accession
0000101199-26-000015
Line itemAverage annual percentage payout of incurred claims by age, net of reinsurance / Year 1Average annual percentage payout of incurred claims by age, net of reinsurance / Year 2Average annual percentage payout of incurred claims by age, net of reinsurance / Year 3Average annual percentage payout of incurred claims by age, net of reinsurance / Year 4Average annual percentage payout of incurred claims by age, net of reinsurance / Year 5Average annual percentage payout of incurred claims by age, net of reinsurance / Year 6Average annual percentage payout of incurred claims by age, net of reinsurance / Year 7Average annual percentage payout of incurred claims by age, net of reinsurance / Year 8Average annual percentage payout of incurred claims by age, net of reinsurance / Year 9Average annual percentage payout of incurred claims by age, net of reinsurance / Year 10
Commercial other liability7.1%14.1%14.1%16.5%10.2%9.0%8.1%5.6%4.4%9.4%
Commercial fire and allied58.6%22.0%6.9%3.9%2.7%1.4%0.4%0.4%
Commercial automobile35.7%21.3%17.3%11.8%7.8%3.2%1.6%0.4%0.5%
Commercial workers' compensation34.4%31.7%13.8%8.2%4.1%2.5%1.5%1.1%0.1%0.4%
Personal51.3%35.2%13.8%2.2%0.6%0.3%0.5%0.1%0.4%

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is United Fire Group's commercial fire and allied — year 8?
United Fire Group (UFCS) reported commercial fire and allied — year 8 of 0% in Q4 2025.
What does commercial fire and allied — year 8 mean?
This metric represents the net premiums earned or revenue generated from commercial fire and allied insurance products during the eighth year of the reporting period. It reflects the company's ongoing success in underwriting commercial property risks.

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