The earnings call reflected strong financial performance with record net written premiums, improved underwriting profit, and increased investment income. However, there were some challenges noted in terms of rate achievement moderation and volatility in certain investments.

Company Guidance

During the UFG Insurance Second Quarter of 2025 Financial Results Conference Call, the company reported a record net written premium of $373 million, reflecting a 14% growth driven by improved retention, record new business production, and rate increases exceeding loss trends. The combined ratio improved by 9.2 points to 96.4%, with an underlying loss ratio improvement of 1.3 points to 57.6%. The catastrophe loss ratio was notably low at 5.5%, below both historical averages and the quarterly expectation of 8.9%. Net investment income increased by 20%, contributing to a 10% return on equity through the first half of the year. The underwriting expense ratio improved slightly to 34.9%, aided by strategic investments in talent and technology. Additionally, UFG recognized a $5 million favorable prior year reserve development following their annual review of loss adjustment expenses. The company also achieved a non-GAAP adjusted operating income of $0.90 per diluted share, with an improvement in book value per common share to $33.18.

Record Net Written Premium

UFG delivered record net written premium of $373 million in the second quarter, with a 14% growth driven by improved retention, record new business production, and rate increases.

Improved Underwriting Profit

The second quarter saw the highest underwriting profit in over a decade, with a combined ratio improving by 9.2 points to 96.4%.

Investment Income Growth

Net investment income increased by 20% from the prior year, driven by sustainable improvement in fixed maturity income.

Improved Expense Ratio

The underwriting expense ratio improved by over 0.5 points to 34.9% in the quarter, reflecting benefits from strategic investments and growth.

Strong Retention and New Business Production

Retention improved by nearly 5 points to 86%, with new business production surpassing $100 million for the first time.

United Fire Group (UFCS) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

UFCS Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 29, 2025	2025 (Q3)	0.75 / -	0.81	―	―	―
Aug 05, 2025	2025 (Q2)	0.55 / 0.90	-0.07	1385.71% (+0.97)
May 06, 2025	2025 (Q1)	0.64 / 0.70	0.56	25.00% (+0.14)
Feb 11, 2025	2024 (Q4)	0.75 / 1.25	0.65	92.31% (+0.60)
Nov 05, 2024	2024 (Q3)	0.33 / 0.81	0.31	161.29% (+0.50)
Aug 06, 2024	2024 (Q2)	-0.02 / -0.07	-2.27	96.92% (+2.20)
May 07, 2024	2024 (Q1)	0.47 / 0.56	0.08	600.00% (+0.48)
Feb 13, 2024	2023 (Q4)	0.55 / 0.65	0.18	261.11% (+0.47)
Nov 01, 2023	2023 (Q3)	>-0.01 / 0.31	-0.47	165.96% (+0.78)
Aug 07, 2023	2023 (Q2)	-2.27 / -2.27	0.24	-1045.83% (-2.51)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

UFCS Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 05, 2025	$26.80	$28.72	+7.16%
May 06, 2025	$28.44	$27.13	-4.61%
Feb 11, 2025	$24.78	$25.33	+2.22%
Nov 05, 2024	$19.60	$24.33	+24.13%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does United Fire Group (UFCS) report earnings?

United Fire Group (UFCS) is schdueled to report earning on Oct 29, 2025, Before Open (Confirmed).

What is United Fire Group (UFCS) earnings time?

United Fire Group (UFCS) earnings time is at Oct 29, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is UFCS EPS forecast?

UFCS EPS forecast for the fiscal quarter 2025 (Q3) is 0.75.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing