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United Fire Group UFCS Commercial other liability — Year 5

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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$1.31B+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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 5?
United Fire Group (UFCS) reported commercial other liability — year 5 of 10.2% in Q4 2025.
How has United Fire Group's commercial other liability — year 5 changed year-over-year?
United Fire Group's commercial other liability — year 5 decreased by 8.9% year-over-year, from 11.2% to 10.2%.
What does commercial other liability — year 5 mean?
Represents the net earned premiums or incurred losses associated with commercial other liability insurance policies originating five years prior to the current reporting period. This data point is essential for evaluating the long-term loss reserve adequacy and historical underwriting discipline of the company.