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United Fire Group UFCS Surety 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 surety excess of loss — exhaustion point?
United Fire Group (UFCS) reported surety excess of loss — exhaustion point of $12.5K in Q4 2025.
How has United Fire Group's surety excess of loss — exhaustion point changed year-over-year?
United Fire Group's surety excess of loss — exhaustion point decreased by 0.0% year-over-year, from $12.5K to $12.5K.
What is the long-term trend for United Fire Group's surety excess of loss — exhaustion point?
Over 4 years (2021 to 2025), United Fire Group's surety excess of loss — exhaustion point has grown at a -81.7% compound annual growth rate (CAGR), from $45M to $50K.
What does surety excess of loss — exhaustion point mean?
This defines the maximum aggregate loss amount for a specific layer of insurance coverage, beyond which the reinsurer is no longer liable for further claim payments. It marks the upper boundary of the reinsurance protection provided for the surety portfolio. Monitoring this point helps investors understand the total exposure limit covered by external reinsurance partners.