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United Fire Group UFCS Property Semi-automatic Quota Share — Stated Retention

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EIGReinsurance quota share, percentage
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MTGNew Insurance Written In 2020 through 2025 — Quota Share %
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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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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:ReinsuranceStatedRetentionAmountPerIncident.

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 — stated retention?
United Fire Group (UFCS) reported property semi-automatic quota share — stated retention of $12.5K in Q4 2025.
How has United Fire Group's property semi-automatic quota share — stated retention changed year-over-year?
United Fire Group's property semi-automatic quota share — stated retention increased by 100.0% year-over-year, from $6.25K to $12.5K.
What does property semi-automatic quota share — stated retention mean?
This metric represents the specific dollar amount of risk or loss that the insurance company retains on its own balance sheet before reinsurance coverage begins for the property quota share segment. It serves as a primary indicator of the company's risk appetite and its strategy for managing underwriting volatility. Higher retention levels typically reflect greater confidence in underwriting quality but increase exposure to large loss events.