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United Fire Group UFCS Property Semi-automatic Quota Share — Exhaustion Point

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EIGReinsurance quota share, percentage
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MTGQuota Share Reinsurance Transactions — Ceded Premiums Earned
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MTGEligible New Insurance Written In 2027 — Quota Share %
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MTGQuota Share Reinsurance Transactions — Profit commission on quota share reinsurance
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MTGQuota Share Reinsurance Transactions — Ceding commission on quota share reinsurance
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PRCHReinsurance Property Catastrophe Treaties — Excess amount retained
$365M-11.0%

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 semi-automatic quota share — exhaustion point?
United Fire Group (UFCS) reported property semi-automatic quota share — exhaustion point of $18.75K in Q4 2025.
How has United Fire Group's property semi-automatic quota share — exhaustion point changed year-over-year?
United Fire Group's property semi-automatic quota share — exhaustion point increased by 50.0% year-over-year, from $12.5K to $18.75K.
What does property semi-automatic quota share — exhaustion point mean?
The exhaustion point defines the upper limit of the reinsurance coverage layer for the property quota share segment, beyond which the insurer is no longer protected by the specific reinsurance treaty. It marks the threshold where the reinsurer's liability ends and the primary insurer's exposure to catastrophic loss resumes. Monitoring this point is essential for assessing the adequacy of the company's reinsurance program against potential extreme loss scenarios.