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United Fire Group
United Fire Group (UFCS) investor relations material
United Fire Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Achieved record business size in 2025, with best annual underwriting profit, investment income, and return on equity in over a decade.
Fourth quarter combined ratio improved to 92.3%, with all business units contributing to premium growth.
Net income nearly doubled to $118M, or $4.48 per share, with ROE at 13.7%, the highest in a decade.
Transformation since 2022 led to significant improvements in underwriting, actuarial insights, and operational efficiency.
Strategic investments in technology enhanced underwriting capabilities and operational efficiency.
Financial highlights
Underwriting profit rose from $9M in 2024 to $67M in 2025.
Net written premium grew 11% in Q4 to $310M and 9% for the year to $1.3B.
Net investment income increased 14% in Q4 to $26.4M and 19% for the year to $98M.
Combined ratio improved to 92.3% in Q4 and 94.8% for the year, best in a decade.
Book value per share increased $6.08 to $36.88; adjusted book value per share reached $37.87.
Outlook and guidance
Positioned for continued profitable growth in 2026, targeting disciplined underwriting and long-term value creation.
Board declared a 25% increase in quarterly cash dividend to $0.20 per share.
Expense ratio targeted at 35% in the near term, with expectations to decrease by 0.5 points annually as growth continues.
Modeled annual expected catastrophe loss ratio projected below 5% for 2026.
Portfolio positioned to benefit from higher reinvestment rates, with new purchase yields exceeding portfolio average.
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Next United Fire Group earnings date
Q1 20266 May, 2026
United Fire Group
Next United Fire Group earnings date
Q1 20266 May, 2026
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Frequently asked questions
United Fire Group Inc is a property and casualty insurance company providing commercial and personal insurance products. The company distributes its policies through independent agents and serves customers primarily in the United States. It offers services including underwriting, claims management, and risk control. The company is headquartered in Cedar Rapids, Iowa, and its shares are listed on the NASDAQ.
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