What is United Fire Group's commercial other liability — year 2?

United Fire Group (UFCS) reported commercial other liability — year 2 of 14.1% in Q4 2025.

How has United Fire Group's commercial other liability — year 2 changed year-over-year?

United Fire Group's commercial other liability — year 2 decreased by 4.1% year-over-year, from 14.7% to 14.1%.

What does commercial other liability — year 2 mean?

This metric represents the loss development or claims activity attributed to the second year of the underwriting cycle for the commercial other liability segment. It helps investors track the maturation of claims and the consistency of loss trends as the underwriting year ages.

United Fire Group UFCS Commercial other liability — Year 2

Similar metrics at other companies

KMPRCommercial Automobile Insurance—Liability — Year 2

46.6%-5.5pp

CNACommercial Auto — Year 2

22.5%+0.2pp

HIGGeneral Liability — 2nd Year

8.3%+0.5pp

CNAGeneral Liability — Year 2

12.1%-0.4pp

CNAOther Professional Liability and Management Liability — Year 2

19.5%-0.1pp

HIGCommercial automobile physical damage — 2nd Year

14.7%-2.6pp

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$1.35B+84.9%

Enterprise value$1.33B—

P/E10.3×+2.4×

P/S1×+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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 other liability — year 2?: United Fire Group (UFCS) reported commercial other liability — year 2 of 14.1% in Q4 2025.
How has United Fire Group's commercial other liability — year 2 changed year-over-year?: United Fire Group's commercial other liability — year 2 decreased by 4.1% year-over-year, from 14.7% to 14.1%.
What does commercial other liability — year 2 mean?: This metric represents the loss development or claims activity attributed to the second year of the underwriting cycle for the commercial other liability segment. It helps investors track the maturation of claims and the consistency of loss trends as the underwriting year ages.