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United Fire Group UFCS Personal — Year 2

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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 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 personal — year 2?
United Fire Group (UFCS) reported personal — year 2 of 35.2% in Q4 2025.
How has United Fire Group's personal — year 2 changed year-over-year?
United Fire Group's personal — year 2 increased by 6.7% year-over-year, from 33% to 35.2%.
What does personal — year 2 mean?
This represents the financial performance or loss development data for the second year of a defined cohort or underwriting period within the personal insurance segment. It allows for the evaluation of how loss estimates and profitability evolve as claims mature beyond the initial year. Tracking this helps identify trends in claim reporting and the accuracy of early-stage actuarial projections.