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United Fire Group UFCS Earthquake DUA Catastrophe Excess of Loss — Stated Retention

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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$1.29B+76.8%
Enterprise value$1.27B—
P/E9.9×-1.1×
P/S0.9×+0.3×

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 ufcs:ReinsuranceStatedRetentionAmountPerIncident.

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 earthquake DUA catastrophe excess of loss — stated retention?
United Fire Group (UFCS) reported earthquake DUA catastrophe excess of loss — stated retention of $2.5K in Q4 2025.
How has United Fire Group's earthquake DUA catastrophe excess of loss — stated retention changed year-over-year?
United Fire Group's earthquake DUA catastrophe excess of loss — stated retention decreased by 0.0% year-over-year, from $2.5K to $2.5K.
What does earthquake DUA catastrophe excess of loss — stated retention mean?
This represents the specific dollar amount of loss that the insurer must bear before the reinsurance coverage for earthquake catastrophe events is triggered. It serves as the primary layer of risk retained by the company on its own balance sheet. A higher retention level indicates greater risk exposure for the insurer in the event of a catastrophe.