The earnings call reflected strong financial performance with record net written premiums, improved underwriting profits, and significant return on equity. Despite some moderation in rate achievement and challenges in alternative distribution, the overall trajectory is positive with a focus on strategic growth and disciplined management.

Company Guidance -

Q3 2025

During the UFG Insurance Second Quarter 2025 Conference Call, the company reported a record net written premium of $373 million, marking a 14% growth from the previous year. The combined ratio improved by 9.2 points to 96.4%, with a notable improvement in the underlying loss ratio by 1.3 points to 57.6%. UFG achieved a return on equity of 10% for the first half of the year. The catastrophe loss ratio was significantly lower than historical averages, sitting at 5.5% for the quarter, while the underwriting expense ratio improved slightly to 34.9%. Net investment income saw a 20% increase, driven by higher yields in the fixed maturity income portfolio. The company also reported a modest favorable prior year reserve development of $5 million. Overall, UFG expressed confidence in their strategic actions and their impact on financial performance and profitability.

Record Net Written Premium

Net written premium grew to a record $373 million, with a growth of 14% driven by improved retention, record new business production, and rate increases.

Improved Underwriting Profit and Combined Ratio

UFG achieved the highest second quarter underwriting profit in over 10 years, with the combined ratio improving by 9.2 points to 96.4%.

Strong Investment Income Growth

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

Significant Return on Equity

The company achieved a 10% return on equity through the first half of the year, marking a significant milestone in its transformation efforts.

Improved Loss Ratio and Catastrophe Loss Ratio

The underlying loss ratio improved by 1.3 points to 57.6%, and the catastrophe loss ratio was 5.5%, considerably below historical averages.

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)	0.74 / -	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 0.74.

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