What is United Fire Group Inc.'s earnings per share (EPS)?

United Fire Group Inc. (UFCS) reported diluted earnings per share of $4.48 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

United Fire Group Inc. (UFCS) Financials

UFCS

Trailing 12 months to June 30, 2026

Revenue $1.5B +11.4% YoY

Net Income $141.0M +129.9% YoY

EPS (Diluted) $5.38 +53.3% YoY

Operating Cash Flow $271.6M -10.0% YoY

Market Cap $1.4B as of Oct 5, 2026

Price / Sales 1.0x on $1.5B revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.0x on $141.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.4x on $977.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 4, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UFCS SEC filings page.

United Fire Group Inc. (UFCS) reported $1.5B in revenue over the twelve months to Jun 30, 2026, up 11.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI UFCS FY2025 2026-10-03

2025 earnings recovered, but the balance sheet remains liability-heavy and operating cash is being redirected into investing activity.

The shift from a net loss of $29.7M in FY2023 to net income of $118.2M in FY2025 marks a substantial earnings recovery rather than a one-year accounting fluctuation. FY2025 operating cash flow of $269.7M exceeded reported profit, indicating cash conversion was stronger than earnings alone suggest.

The reported debt-to-equity ratio fell from 3.5x in FY2024 to 0.2x in FY2025, even though liabilities still materially exceed equity. That distinction means the apparent deleveraging is concentrated in the debt measure, not the entire funding structure.

The 2025 cash picture is shaped by reinvestment: operating cash flow of $269.7M was positive, but investing activity used $326.0M. Operating cash generation therefore did not translate directly into balance-sheet cash growth, because investment outflows absorbed more than the business produced from operations.

Financial Health Signals

Financial Health Score 41/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of United Fire Group Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. United Fire Group Inc. scores 53/100 on it among other insurers.

Premium Growth

United Fire Group Inc. reported revenue of $1.4B in fiscal year 2025, against $1.3B in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and United Fire Group Inc. scores 68/100 among other insurers.

Capital

United Fire Group Inc. funded 24.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $941.2M of equity against $3.8B of assets. Capital ranks insurers on that cushion, and United Fire Group Inc. scores 48/100 among other insurers.

Investment Yield

Not available for United Fire Group Inc., and counted as zero in the overall score.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. United Fire Group Inc. scores 49/100 on it among other insurers.

Stability

United Fire Group Inc. reported net income of $118.2M in fiscal year 2025, against $31.4M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and United Fire Group Inc. scores 29/100 among other insurers.

Piotroski F-Score Partial

5/6

United Fire Group Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.28x

For every $1 of reported earnings, United Fire Group Inc. generates $2.28 in operating cash flow ($269.7M OCF vs $118.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$383.7M

YoY+14.4%

QoQ+3.9%

5Y CAGR+9.4%

10Y CAGR+4.6%

United Fire Group Inc. generated $383.7M in revenue in Q2 2026. This represents an increase of 14.4% from the same quarter a year earlier. Against the prior quarter it is up 3.9%.

Net Income

$33.4M

YoY+45.4%

QoQ+11.0%

5Y CAGR+19.4%

United Fire Group Inc. reported $33.4M in net income in Q2 2026. This represents an increase of 45.4% from the same quarter a year earlier. Against the prior quarter it is up 11.0%.

EPS (Diluted)

$1.29

YoY+48.3%

QoQ+12.2%

5Y CAGR+19.0%

10Y CAGR+26.8%

United Fire Group Inc. earned $1.29 per diluted share (EPS) in Q2 2026. This represents an increase of 48.3% from the same quarter a year earlier. Against the prior quarter it is up 12.2%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$139.4M

YoY-31.0%

QoQ-13.9%

5Y CAGR+3.3%

10Y CAGR+1.5%

United Fire Group Inc. held $139.4M in cash against $146.3M in long-term debt as of Q2 2026.

Dividends Per Share

$0.20

YoY+25.0%

QoQ0.0%

United Fire Group Inc. paid $0.20 per share in dividends in Q2 2026. This represents an increase of 25.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

26M

YoY+0.8%

QoQ+0.2%

5Y CAGR+0.5%

10Y CAGR+0.1%

United Fire Group Inc. had 26M shares outstanding in Q2 2026. This represents an increase of 0.8% from the same quarter a year earlier. Against the prior quarter it is up 0.2%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

8.7%

YoY+1.9pp

QoQ+0.6pp

5Y change+3.1pp

United Fire Group Inc.'s net profit margin was 8.7% in Q2 2026, showing the share of revenue converted to profit. This is up 1.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Return on Equity

3.4%

YoY+0.7pp

QoQ+0.2pp

5Y change+1.8pp

United Fire Group Inc.'s ROE was 3.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

UFCS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UFCS quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.5B	$1.4B+10.6%	$1.3B+14.4%	$1.1B+11.7%	$980.3M-8.1%	$1.1B-0.2%	$1.1B-11.0%	$1.2B+12.2%	$1.1B+1.7%	$1.1B+5.7%	$996.4M+10.8%	$899.3M-4.5%	$941.9M+7.4%	$877.0M+7.8%	$813.2M+15.4%	$705.0M
Interest Expense	$12.7M	$11.3M+54.7%	$7.3M+123.3%	$3.3M+2.3%	$3.2M0.0%	$3.2M	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A
Income Tax	$35.9M	$29.7M+97.3%	$15.1M+250.5%	-$10.0M-239.2%	-$3.0M-118.2%	$16.2M+128.6%	-$56.8M-2859.1%	$2.1M+118.1%	-$11.4M+61.0%	-$29.2M-448.7%	$8.4M-72.1%	$30.1M+73.4%	$17.3M-32.7%	$25.8M+339.5%	$5.9M+146.1%	-$12.7M
Net Income	$141.0M	$118.2M+275.9%	$31.4M+205.9%	-$29.7M-297.5%	$15.0M-81.3%	$80.6M+171.5%	-$112.7M-860.5%	$14.8M-46.4%	$27.6M-45.8%	$51.0M+2.2%	$49.9M-44.0%	$89.1M+50.7%	$59.1M-22.3%	$76.1M+89.3%	$40.2M+365463.6%	$11K
EPS (Basic)	N/A	$4.64+89.4%	$2.45+307.6%	-$1.18-296.7%	$0.60-81.3%	$3.21+171.3%	-$4.50-862.7%	$0.59-46.8%	$1.11-45.3%	$2.03+3.0%	$1.97-44.7%	$3.56+52.1%	$2.34-22.3%	$3.01+90.5%	$1.58	$0.00
EPS (Diluted)	$5.38	$4.48	$2.39	-$1.18-300.0%	$0.59-81.3%	$3.16+170.2%	-$4.50-875.9%	$0.58-46.3%	$1.08-45.7%	$1.99+3.1%	$1.93-45.3%	$3.53+52.2%	$2.32-22.1%	$2.98+88.6%	$1.58	$0.00
Diluted Shares (Avg)	N/A	26M	26M	25M-0.3%	25M-0.8%	26M+2.0%	25M-2.2%	26M-0.2%	26M-0.1%	26M-0.6%	26M+2.3%	25M-1.0%	25M-0.1%	26M+0.1%	26M-1.8%	26M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$383.7M+14.4%	$369.4M+11.6%	$365.8M+9.8%	$354.0M+9.6%	$335.5M+11.4%	$331.1M+11.9%	$333.2M+16.0%	$323.0M+17.9%
Interest Expense	$3.2M+28.3%	$3.2M+28.2%	$3.2M+28.3%	$3.1M+25.7%	$2.5M+70.1%	$2.5M+189.1%	$2.5M+185.5%	$2.5M+211.3%
Income Tax	$8.6M+37.2%	$8.0M+91.6%	$9.8M+21.6%	$9.5M+81.5%	$6.3M+704.3%	$4.2M+49.3%	$8.1M+79.2%	$5.2M+161.9%
Net Income	$33.4M+45.4%	$30.1M+69.8%	$38.4M+4037.4%	$39.2M+98.5%	$22.9M+939.0%	$17.7M+31.1%	$927K-95.3%	$19.7M+209.5%
EPS (Basic)	$1.30+44.4%	$1.18+68.6%	$1.50+21.0%	$1.54+97.4%	$0.90+918.2%	$0.70+32.1%	$1.24+61.0%	$0.78+212.0%
EPS (Diluted)	$1.29+48.3%	$1.15+71.6%	$1.45	$1.49+96.1%	$0.87+890.9%	$0.67+28.8%	$1.21	$0.76+204.0%
Diluted Shares (Avg)	26M-1.9%	26M-0.5%	N/A	26M+1.8%	26M+4.3%	26M+1.6%	N/A	26M+1.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

UFCS Balance Sheet

UFCS quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.8B+10.1%	$3.5B+10.9%	$3.1B+9.1%	$2.9B-4.3%	$3.0B-1.9%	$3.1B+1.9%	$3.0B+7.0%	$2.8B-32.7%	$4.2B+3.2%	$4.1B+4.2%	$3.9B+0.9%	$3.9B+3.7%	$3.7B+0.7%	$3.7B+2.1%	$3.6B
Cash & Equivalents	$156.3M-22.2%	$200.9M+96.9%	$102.0M+5.6%	$96.7M-26.8%	$132.1M+50.2%	$87.9M-27.1%	$120.7M+87.3%	$64.5M-32.6%	$95.6M+7.1%	$89.2M-0.3%	$89.5M+34.1%	$66.7M-27.6%	$92.2M-14.2%	$107.5M-25.6%	$144.5M
Short-Term Investments	$0-100.0%	$100K0.0%	$100K-63.6%	$275K0.0%	$275K+57.1%	$175K0.0%	$175K0.0%	$175K0.0%	$175K0.0%	$175K0.0%	$175K0.0%	$175K-78.1%	$800K0.0%	$800K-27.3%	$1.1M
Long-Term Investments	$228.5M+24.4%	$183.7M+84.7%	$99.5M+15.3%	$86.3M+2.6%	$84.1M+21.3%	$69.3M-11.6%	$78.4M+111.5%	$37.1M-24.9%	$49.4M-4.7%	$51.8M-4.4%	$54.2M+7.4%	$50.4M+12.2%	$44.9M+49.7%	$30.0M+46.0%	$20.6M
Goodwill	N/A	N/A	$0	$0	$0	$0-100.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M	N/A
Total Liabilities	$2.9B+7.1%	$2.7B+12.3%	$2.4B+12.5%	$2.1B+0.4%	$2.1B-4.9%	$2.2B+6.7%	$2.1B+9.1%	$1.9B-39.9%	$3.2B+3.1%	$3.1B+3.4%	$3.0B-0.9%	$3.0B+3.5%	$2.9B-0.9%	$3.0B+1.5%	$2.9B
Long-Term Debt	$146.2M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$45.0M
Total Equity	$941.2M+20.4%	$781.5M+6.5%	$733.7M-0.9%	$740.1M-15.8%	$879.1M+6.5%	$825.1M-9.4%	$910.5M+2.5%	$888.4M-8.7%	$973.4M+3.3%	$941.9M+7.2%	$878.9M+7.5%	$817.4M+4.4%	$782.8M+7.4%	$729.2M+4.7%	$696.1M
Retained Earnings	$722.3M+16.4%	$620.4M+8.0%	$574.7M-7.4%	$620.6M-0.1%	$621.4M+11.8%	$555.9M-20.3%	$697.1M-2.6%	$715.5M+17.5%	$608.7M-1.2%	$616.3M+4.3%	$591.0M+12.9%	$523.5M+8.2%	$484.1M+13.8%	$425.4M+6.2%	$400.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$4.0B+9.6%	$3.9B+10.8%	$3.8B+10.1%	$3.8B+5.9%	$3.7B+7.4%	$3.5B+8.7%	$3.5B+10.9%	$3.5B+16.2%
Cash & Equivalents	$139.4M-31.0%	$162.0M-11.8%	$156.3M-22.2%	$233.7M+18.4%	$202.1M+31.8%	$183.7M-15.7%	$200.9M+96.9%	$197.4M+185.4%
Short-Term Investments	$0-100.0%	$0-100.0%	$0-100.0%	$0-100.0%	$249K+149.0%	$590K+490.0%	$100K0.0%	$100K
Long-Term Investments	$220.9M+6.8%	$239.0M+23.8%	$228.5M+24.4%	$215.4M+112.2%	$206.9M+110.2%	$193.1M+95.0%	$183.7M+84.7%	$101.5M+8.1%
Total Liabilities	$3.0B+7.9%	$3.0B+9.2%	$2.9B+7.1%	$2.9B+3.4%	$2.8B+5.0%	$2.7B+8.1%	$2.7B+12.3%	$2.8B+14.7%
Long-Term Debt	$146.3M	$146.3M	$146.2M	N/A	N/A	N/A	N/A	N/A
Total Equity	$977.3M+15.6%	$950.6M+16.3%	$941.2M+20.4%	$898.7M+14.4%	$845.7M+16.4%	$817.7M+11.0%	$781.5M+6.5%	$785.8M+21.8%
Retained Earnings	$775.4M+18.7%	$747.3M+17.9%	$722.3M+16.4%	$688.0M+16.0%	$653.0M+13.1%	$634.0M+8.5%	$620.4M+8.0%	$593.1M+6.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.

UFCS Cash Flow Statement

UFCS quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$271.6M	$269.7M-20.7%	$340.3M+98.2%	$171.7M+13827.9%	-$1.3M-104.2%	$29.9M-27.8%	$41.4M-55.8%	$93.8M-14.9%	$110.1M-35.3%	$170.1M-20.7%	$214.4M+12.8%	$190.0M+25.6%	$151.3M-6.3%	$161.5M-6.2%	$172.1M+131.2%	$74.4M
Depreciation & Amortization	N/A	$10.8M-1.2%	$10.9M+3.8%	$10.5M+37.0%	$7.7M+16.7%	$6.6M-1.3%	$6.7M-40.5%	$11.2M+116.3%	$5.2M+13.1%	$4.6M-24.2%	$6.0M-6.8%	$6.5M-6.1%	$6.9M+23.0%	$5.6M-29.8%	$8.0M+42.9%	$5.6M
Stock-Based Compensation	N/A	$9.0M+63.7%	$5.5M+70.0%	$3.2M+14.9%	$2.8M-17.9%	$3.4M-31.0%	$5.0M-18.9%	$6.2M+17.2%	$5.2M+9.2%	$4.8M+30.1%	$3.7M+47.3%	$2.5M+29.1%	$1.9M+9.4%	$1.8M+0.7%	$1.8M-3.6%	$1.8M
Investing Cash Flow	-$342.7M	-$326.0M-11.4%	-$292.5M-95.1%	-$149.9M-681.8%	-$19.2M-160.4%	$31.7M+134.2%	-$92.9M-2163.3%	$4.5M+123.4%	-$19.2M+69.0%	-$62.0M+44.9%	-$112.4M-209.8%	-$36.3M+38.4%	-$58.9M+42.3%	-$102.0M+8.4%	-$111.3M+36.4%	-$175.2M
Financing Cash Flow	$8.5M	$11.6M-77.3%	$51.1M+410.5%	-$16.5M-9.5%	-$15.0M+14.1%	-$17.5M-193.7%	$18.7M+144.4%	-$42.0M+63.6%	-$115.2M-7.1%	-$107.5M-10.2%	-$97.6M+29.2%	-$137.8M-46.6%	-$94.0M-25.7%	-$74.8M+23.5%	-$97.8M-249.9%	$65.2M
Dividends Paid	$18.4M	$16.3M+0.6%	$16.2M+0.3%	$16.2M+1.9%	$15.9M+5.3%	$15.1M-47.2%	$28.5M-12.7%	$32.7M-69.0%	$105.4M+285.6%	$27.3M+11.2%	$24.6M+13.5%	$21.7M+10.1%	$19.7M+12.6%	$17.5M+14.5%	$15.3M-1.5%	$15.5M
Share Buybacks	N/A	N/A	N/A	$0	$0-100.0%	$2.0M-26.8%	$2.7M-76.6%	$11.7M+116.5%	$5.4M-81.9%	$29.8M+695.1%	$3.7M+54.6%	$2.4M-81.3%	$12.9M+687.2%	$1.6M-77.5%	$7.3M-41.3%	$12.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$34.2M-35.9%	$56.6M+58.7%	$119.8M-23.3%	$60.8M+7.7%	$53.4M-41.6%	$35.7M-1.3%	$156.3M+603.1%	$56.5M-49.4%
Depreciation & Amortization	$2.7M+7.2%	$2.9M+17.2%	$3.0M+17.0%	$2.8M+11.0%	$2.5M-21.1%	$2.5M-6.6%	$2.5M-5.2%	$2.5M-4.4%
Stock-Based Compensation	N/A	$2.6M+48.9%	N/A	$2.3M+113.1%	$1.9M+24.9%	$1.8M+52.1%	N/A	$1.1M+14.5%
Investing Cash Flow	-$51.9M-71.0%	-$43.4M+9.9%	-$192.4M-28.8%	-$55.1M-550.3%	-$30.4M+86.1%	-$48.2M-157.4%	-$149.4M-1111.3%	-$8.5M+92.8%
Financing Cash Flow	-$4.9M-8.1%	-$7.6M-57.5%	-$4.8M-46.8%	$25.8M+730.2%	-$4.6M-107.3%	-$4.8M-11.4%	-$3.3M+19.7%	-$4.1M-1.2%
Dividends Paid	$5.1M+26.0%	$5.1M+25.9%	$4.1M+0.6%	$4.1M+0.7%	$4.1M+0.6%	$4.1M+0.4%	$4.1M+0.4%	$4.1M+0.3%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Share Buybacks.

UFCS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UFCS quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	8.5%+6.0pp	2.5%+5.2pp	-2.7%-4.2pp	1.5%-6.0pp	7.6%+18.1pp	-10.5%-11.8pp	1.2%-1.4pp	2.6%-2.3pp	4.9%-0.2pp	5.0%-4.9pp	9.9%+3.6pp	6.3%-2.4pp	8.7%+3.7pp	4.9%+4.9pp	0.0%
Return on Equity	12.6%+8.5pp	4.0%+8.1pp	-4.0%-6.1pp	2.0%-7.1pp	9.2%+22.8pp	-13.7%-15.3pp	1.6%-1.5pp	3.1%-2.1pp	5.2%-0.1pp	5.3%-4.8pp	10.1%+2.9pp	7.2%-2.5pp	9.7%+4.2pp	5.5%+5.5pp	0.0%
Return on Assets	3.1%+2.2pp	0.9%+1.8pp	-0.9%-1.5pp	0.5%-2.2pp	2.7%+6.3pp	-3.7%-4.2pp	0.5%-0.5pp	1.0%-0.2pp	1.2%0.0pp	1.2%-1.1pp	2.3%+0.8pp	1.5%-0.5pp	2.1%+1.0pp	1.1%+1.1pp	0.0%
Debt-to-Equity	0.16-3.3x	3.46+0.2x	3.29+0.4x	2.89+0.5x	2.43-0.3x	2.72+0.4x	2.31+0.1x	2.17-1.1x	3.300.0x	3.30-0.1x	3.43-0.3x	3.720.0x	3.75+3.8x	0.00-0.1x	0.06
Asset Turnover	0.360.0x	0.360.0x	0.350.0x	0.340.0x	0.350.0x	0.35-0.1x	0.400.0x	0.38+0.1x	0.250.0x	0.250.0x	0.230.0x	0.240.0x	0.240.0x	0.220.0x	0.19

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	8.7%+1.9pp	8.1%+2.8pp	10.5%+10.2pp	11.1%+5.0pp	6.8%+7.8pp	5.3%+0.8pp	0.3%-6.6pp	6.1%+3.8pp
Return on Equity	3.4%+0.7pp	3.2%+1.0pp	4.1%+4.0pp	4.4%+1.8pp	2.7%+3.1pp	2.2%+0.3pp	0.1%-2.6pp	2.5%+1.5pp
Return on Assets	0.8%+0.2pp	0.8%+0.3pp	1.0%+1.0pp	1.0%+0.5pp	0.6%+0.7pp	0.5%+0.1pp	0.0%-0.6pp	0.6%+0.4pp
Debt-to-Equity	0.15-3.2x	0.15-3.2x	0.16-3.3x	3.18-0.3x	3.33-0.4x	3.32-0.1x	3.46+0.2x	3.51-0.2x
Asset Turnover	0.100.0x	0.090.0x	0.100.0x	0.090.0x	0.090.0x	0.090.0x	0.100.0x	0.090.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
United Fire Group Inc. UFCS	FY2025	$1.4B	$118.2M	8.5%	$1.4B	41/100
HERITAGE INSURANCE HOLDINGS INC HRTG	FY2025	$847.3M	$195.6M	23.1%	$1.0B	43/100
UNIVERSAL INSURANCE HLDG, INC. UVE	FY2025	$1.6B	$183.0M	11.4%	$1.2B	28/100
Donegal Group Inc DGICA	FY2025	$978.0M	$79.3M	8.1%	$678.2M	37/100
Donegal Group Inc DGICB	FY2025	$978.0M	$79.3M	8.1%	$618.0M	37/100
Bowhead Specialty Holdings Inc. BOW	FY2025	$551.6M	$53.8M	9.8%	$1.1B	48/100

Where United Fire Group Inc. Ranks

Frequently Asked Questions

What is United Fire Group Inc.'s annual revenue?

United Fire Group Inc. (UFCS) reported $1.4B in total revenue for fiscal year 2025. This represents a 10.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is United Fire Group Inc.'s revenue growing?

United Fire Group Inc. (UFCS) revenue grew by 10.6% year-over-year, from $1.3B to $1.4B in fiscal year 2025.

Is United Fire Group Inc. profitable?

Yes, United Fire Group Inc. (UFCS) reported a net income of $118.2M in fiscal year 2025, with a net profit margin of 8.5%.

How much debt does United Fire Group Inc. have?

As of fiscal year 2025, United Fire Group Inc. (UFCS) had $156.3M in cash and equivalents against $146.2M in long-term debt.

What is United Fire Group Inc.'s net profit margin?

United Fire Group Inc. (UFCS) had a net profit margin of 8.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does United Fire Group Inc. pay dividends?

Yes, United Fire Group Inc. (UFCS) paid $0.64 per share in dividends during fiscal year 2025.

What is United Fire Group Inc.'s return on equity (ROE)?

United Fire Group Inc. (UFCS) has a return on equity of 12.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is United Fire Group Inc.'s operating cash flow?

United Fire Group Inc. (UFCS) generated $269.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are United Fire Group Inc.'s total assets?

United Fire Group Inc. (UFCS) had $3.8B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does United Fire Group Inc. have outstanding?

United Fire Group Inc. (UFCS) had 26M shares outstanding as of fiscal year 2025.

What is United Fire Group Inc.'s debt-to-equity ratio?

United Fire Group Inc. (UFCS) had a debt-to-equity ratio of 0.16 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is United Fire Group Inc.'s return on assets (ROA)?

United Fire Group Inc. (UFCS) had a return on assets of 3.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is United Fire Group Inc.'s P/E ratio?

United Fire Group Inc. (UFCS) trades at 10.0x earnings, its market capitalization divided by net income of $141.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is United Fire Group Inc.'s price-to-sales ratio?

United Fire Group Inc. (UFCS) trades at 1.0x sales, its market capitalization divided by revenue of $1.5B revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is United Fire Group Inc.'s Piotroski F-Score?

United Fire Group Inc. (UFCS) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are United Fire Group Inc.'s earnings high quality?

United Fire Group Inc. (UFCS) has an earnings quality ratio of 2.28x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is United Fire Group Inc.?

United Fire Group Inc. (UFCS) scores 41 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.