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United Fire Group UFCS Personal — Year 4

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 4?
United Fire Group (UFCS) reported personal — year 4 of 2.2% in Q4 2025.
How has United Fire Group's personal — year 4 changed year-over-year?
United Fire Group's personal — year 4 increased by 4.8% year-over-year, from 2.1% to 2.2%.
What does personal — year 4 mean?
Represents the total financial performance or operational activity attributed to the personal lines insurance segment during the fourth year of the reporting period. This metric captures revenue and underwriting results specifically from individual policyholders, excluding commercial business. It serves as a baseline for evaluating long-term growth trends within the personal insurance portfolio.