UNITED FIRE GROUP, INC financials
Source: EDGAR filings · Built 2026-06-02T04:15:55Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Debt | 3.02M | -179.08M | -72.38M | -69.73M | -101.73M | -68.70M |
| Net Margin | 8.53% | 4.94% | -2.71% | 1.53% | 7.56% | -10.55% |
| Return on Equity (ROE) | 12.56% | 7.93% | -4.05% | 2.03% | 9.17% | -13.66% |
| Return on Assets (ROA) | 3.08% | 1.78% | -0.94% | 0.52% | 2.68% | -3.67% |
| Debt-to-Equity | 0.17× | 0.03× | 0.04× | 0.04× | 0.03× | 0.02× |
| Effective Tax Rate | 20.11% | 19.57% | 25.23% | -24.46% | 16.78% | 33.51% |
| Cash Conversion Ratio | 2.28× | 5.49× | -5.78× | -0.08× | 0.37× | -0.37× |
| Accruals Ratio | -0.04× | -0.08× | -0.06× | 0.01× | 0.02× | -0.05× |
| SBC % of Revenue | 0.65% | 0.44% | 0.30% | 0.29% | 0.32% | 0.47% |
Valuation Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 8.11× | 11.90× | — | 46.37× | — | — |
| P/S | 0.67× | 0.58× | 0.46× | 0.70× | 0.55× | 0.59× |
| P/B | 0.99× | 0.92× | 0.69× | 0.93× | 0.66× | 0.76× |
Income Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenues | 1.39B | 1.25B | 1.10B | 980.29M | 1.07B | 1.07B |
| Income Tax Expense (Benefit) | 29.75M | 15.08M | -10.02M | -2.95M | 16.25M | -56.81M |
| Net Income (Loss) Attributable to Parent | 118.19M | 61.96M | -29.70M | 15.03M | 80.59M | -112.71M |
| Earnings Per Share, Basic | $4.64 | $2.45 | $-1.18 | $0.60 | — | $-4.50 |
| Weighted Average Number of Shares Outstanding, Basic | 25.47B | 25.32B | 25.25B | 25.16B | 25.09B | 25.03B |
| Earnings Per Share, Diluted | $4.48 | $2.39 | $-1.18 | $0.59 | — | $-4.50 |
| Weighted Average Number of Shares Outstanding, Diluted | 26.35M | 25.92M | 25.25M | 25.32M | 25.52M | 25.03M |
Balance Sheet
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 156.33M | 200.95M | 102.05M | 96.65M | 132.10M | 87.95M |
| Assets | 3.84B | 3.49B | 3.14B | 2.88B | 3.01B | 3.07B |
| Long-term Debt | 146.20M | — | — | — | — | — |
| Liabilities | 2.90B | 2.71B | 2.41B | 2.14B | 2.13B | 2.24B |
| Stockholders' Equity Attributable to Parent | 941.17M | 781.53M | 733.75M | 740.11M | 879.12M | 825.15M |
| Common Stock, Shares, Outstanding | 25.52M | 25.38M | 25.27M | 25.21M | 25.08M | 25.06M |
Cash Flow Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 269.74M | 340.30M | 171.74M | -1.25M | 29.92M | 41.44M |
| Net Cash Provided by (Used in) Investing Activities | -325.96M | -292.49M | -149.89M | -19.17M | 31.73M | -92.87M |
| Payments for Repurchase of Common Stock | — | — | 0 | 0 | 2.01M | 2.74M |
| Payments of Dividends | 16.31M | 16.21M | 16.16M | 15.86M | 15.06M | 28.53M |
| Net Cash Provided by (Used in) Financing Activities | 11.60M | 51.09M | -16.45M | -15.03M | -17.49M | 18.66M |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Net Debt | -15.76M | 3.02M | -233.74M | -202.15M | -183.68M | -179.08M |
| Net Margin | 8.13% | 10.48% | 11.07% | 6.84% | 5.35% | 9.44% |
| Return on Equity (ROE) | 3.16% | 4.08% | 4.36% | 2.71% | 2.16% | 4.02% |
| Return on Assets (ROA) | 0.77% | 1.00% | 1.04% | 0.63% | 0.50% | 0.90% |
| Debt-to-Equity | 0.15× | 0.17× | 0.00× | 0.00× | 0.00× | 0.03× |
| Effective Tax Rate | 20.94% | 20.43% | 19.49% | 21.42% | 19.01% | 20.49% |
| Cash Conversion Ratio | 1.88× | 3.12× | 3.83× | 3.88× | 2.02× | 4.97× |
| Accruals Ratio | -0.01× | -0.02× | -0.03× | -0.02× | -0.01× | -0.04× |
| SBC % of Revenue | 0.71% | 0.82% | 1.70% | 1.10% | 0.53% | 0.52% |
Valuation Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 7.47× | 8.11× | 7.17× | 8.18× | 11.64× | 11.95× |
| P/S | 0.67× | 0.67× | 0.57× | 0.55× | 0.58× | 0.58× |
| P/B | 1.00× | 0.99× | 0.86× | 0.87× | 0.92× | 0.92× |
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Revenues | 369.44M | 365.81M | 354.02M | 335.47M | 331.12M | 333.18M |
| Income Tax Expense (Benefit) | 7.96M | 9.85M | 9.49M | 6.25M | 4.15M | 8.10M |
| Net Income (Loss) Attributable to Parent | 30.05M | 38.35M | 39.19M | 22.95M | 17.70M | 31.44M |
| Earnings Per Share, Basic | $1.18 | $1.50 | $1.54 | $0.90 | $0.70 | $1.24 |
| Weighted Average Number of Shares Outstanding, Basic | 25.56B | 25.47B | 25.50B | 25.47B | 25.39B | 25.32B |
| Earnings Per Share, Diluted | $1.15 | $1.45 | $1.49 | $0.87 | $0.67 | $1.21 |
| Weighted Average Number of Shares Outstanding, Diluted | 26.10M | 26.35M | 26.37M | 26.39M | 26.24M | 25.92M |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 162.03M | 156.33M | 233.74M | 202.15M | 183.68M | 200.95M |
| Assets | 3.91B | 3.84B | 3.75B | 3.66B | 3.53B | 3.49B |
| Long-term Debt | 146.27M | 146.20M | — | — | — | — |
| Liabilities | 2.96B | 2.90B | 2.86B | 2.82B | 2.71B | 2.71B |
| Stockholders' Equity Attributable to Parent | 950.61M | 941.17M | 898.71M | 845.67M | 817.66M | 781.53M |
| Common Stock, Shares, Outstanding | 25.65M | 25.52M | 25.51M | 25.49M | 25.45M | 25.38M |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 56.63M | 119.83M | 149.91M | 89.06M | 35.67M | 156.29M |
| Net Cash Provided by (Used in) Investing Activities | -43.38M | -192.39M | -133.57M | -78.50M | -48.15M | -149.41M |
| Payments of Dividends | 5.11M | 4.08M | 12.22M | 8.14M | 4.06M | 4.06M |
| Net Cash Provided by (Used in) Financing Activities | -7.55M | -4.84M | 16.45M | -9.36M | -4.79M | -3.30M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (UFCS CIK 0000101199),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.