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United Fire Group UFCS Personal — Year 3

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 3?
United Fire Group (UFCS) reported personal — year 3 of 13.8% in Q4 2025.
How has United Fire Group's personal — year 3 changed year-over-year?
United Fire Group's personal — year 3 increased by 122.6% year-over-year, from 6.2% to 13.8%.
What does personal — year 3 mean?
This represents the financial performance or loss development data for the third year of a defined cohort or underwriting period within the personal insurance segment. It provides a more mature view of the claims experience, helping to confirm the stability of reserves and the long-term profitability of the business written in that cohort. Analyzing this data is critical for validating the company's long-term underwriting performance.