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United Fire Group UFCS Pillar Occurrence Excess of Loss — Placement and Limit

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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:ReinsuranceCoverageAmountPerIncident.

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 pillar occurrence excess of loss — placement and limit?
United Fire Group (UFCS) reported pillar occurrence excess of loss — placement and limit of $2.5K in Q4 2025.
How has United Fire Group's pillar occurrence excess of loss — placement and limit changed year-over-year?
United Fire Group's pillar occurrence excess of loss — placement and limit decreased by 0.0% year-over-year, from $2.5K to $2.5K.
What is the long-term trend for United Fire Group's pillar occurrence excess of loss — placement and limit?
Over 3 years (2022 to 2025), United Fire Group's pillar occurrence excess of loss — placement and limit has grown at a 0.0% compound annual growth rate (CAGR), from $10K to $10K.
What does pillar occurrence excess of loss — placement and limit mean?
This metric indicates the total capacity or maximum limit of reinsurance coverage purchased for this specific layer of risk. It quantifies the total protection available to the company to mitigate the impact of large, single-occurrence losses. Monitoring this limit helps investors assess the adequacy of the company's reinsurance program relative to its underwriting exposure.