What is United Fire Group's personal — year 5?

United Fire Group (UFCS) reported personal — year 5 of 0.6% in Q4 2025.

How has United Fire Group's personal — year 5 changed year-over-year?

United Fire Group's personal — year 5 decreased by 25.0% year-over-year, from 0.8% to 0.6%.

What does personal — year 5 mean?

Represents the total financial performance or operational activity attributed to the personal lines insurance segment during the fifth year of the reporting period. This metric tracks the evolution of individual policyholder premiums and claims experience relative to prior years. It is used by investors to assess the stability and scale of the personal lines business unit.

United Fire Group UFCS Personal — Year 5

Similar metrics at other companies

KMPRPreferred Personal Automobile Insurance—Liability — Year 5

94.8%+0.2pp

KMPRSpecialty Personal Automobile Insurance—Liability — Year 5

96.8%-0.6pp

ESN

ESNTProperty Insurance Product Line — Year 5

5%-2.0pp

KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 5

100%0.0pp

THGPersonal Lines — Premiums Earned Net

$646.9M+3.0%

KNSLPersonal — Gross written premiums

$14.95M+22.2%

Other financials

Income statement

See full

Revenue$369.4M+11.6%

Net income$30.1M+69.8%

EPS (diluted)$1.15+71.6%

Balance sheet

See full

Cash & equivalents$162.0M-11.8%

Total debt$146.3M—

Total equity$950.6M+16.3%

Total assets$3.9B+10.8%

Cash flow

See full

Operating cash flow$56.6M+58.7%

CapEx$384.0K-84.6%

Free cash flow$56.2M+69.5%

Valuation

See full

Market cap$1.31B+26.5%

Enterprise value$1.29B—

P/E10×-5.6×

P/S0.9×+0.1×

Profitability

See full

Net margin9.2%+4.0pp

FCF margin20.1%-5.4pp

Returns & leverage

See full

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 personal — year 5?: United Fire Group (UFCS) reported personal — year 5 of 0.6% in Q4 2025.
How has United Fire Group's personal — year 5 changed year-over-year?: United Fire Group's personal — year 5 decreased by 25.0% year-over-year, from 0.8% to 0.6%.
What does personal — year 5 mean?: Represents the total financial performance or operational activity attributed to the personal lines insurance segment during the fifth year of the reporting period. This metric tracks the evolution of individual policyholder premiums and claims experience relative to prior years. It is used by investors to assess the stability and scale of the personal lines business unit.