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United Fire Group UFCS Property Excess of Loss — Exhaustion Point

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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:ReinsuranceMaximumInsuranceCoveragePerIncident.

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 property excess of loss — exhaustion point?
United Fire Group (UFCS) reported property excess of loss — exhaustion point of $12.5K in Q4 2025.
How has United Fire Group's property excess of loss — exhaustion point changed year-over-year?
United Fire Group's property excess of loss — exhaustion point increased by 100.0% year-over-year, from $6.25K to $12.5K.
What is the long-term trend for United Fire Group's property excess of loss — exhaustion point?
Over 4 years (2021 to 2025), United Fire Group's property excess of loss — exhaustion point has grown at a -78.9% compound annual growth rate (CAGR), from $25M to $50K.
What does property excess of loss — exhaustion point mean?
This metric defines the maximum amount of loss covered by a specific layer of reinsurance protection, marking the point at which the reinsurer's liability ends. It is a critical measure of the total protection provided by the reinsurance program against large property losses. Monitoring this threshold helps investors understand the extent of the company's protection against severe catastrophic events.