UNITED FIRE GROUP INC(UFCS)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
UNITED FIRE GROUP INC (UFCS) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores UFCS at 62.4/100 on a 32-signal composite quality model, placing it at rank #717 of 2,962 stocks — the top 25% of the AI-ranked universe. UFCS scores in the top quartile across earnings quality (77.8). Based on the latest XBRL financial filings (Q2 2026), UNITED FIRE GROUP INC reports quarterly revenue of $383.7M, net income of $33.4M, an operating margin of 10.9%. Top institutional holders of UFCS by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. UFCS trades on the Nasdaq exchange and files with the SEC under CIK 101199. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UFCS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UNITED FIRE GROUP INC directly from SEC EDGAR.
AI Quality Score
62.4/100
AI Rank
#717
Revenue
$383.7M
Net Income
$33.4M
Operating Margin
10.9%
UFCS key financials by period
UNITED FIRE GROUP INC reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$1.4B
$118.2M
10.7%
FY 2024
10-K
$1.3B
$62.0M
6.2%
FY 2023
10-K
$1.1B
$-29.7M
-3.6%
FY 2022
10-K
$980.3M
$15.0M
1.2%
FY 2021
10-K
$1.1B
$80.6M
9.1%
FY 2020
10-K
$1.1B
$-112.7M
-15.9%
Institutions holding UFCS
Institutional investors reporting a position in UNITED FIRE GROUP INC on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-04 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net earned premium grew 12.5% YoY to $354.1M, driving net income of $33.4M (+45% YoY) as underlying loss ratio improved and catastrophe losses declined.
Biggest Revenue Drivers
Net earned premium$354.1M+12.5% YoY
Direct earned premium grew 7.4% and assumed earned premium grew 18.9% YoY.
Net investment gains (losses)($0.4M)+57.9% YoY
Opportunistic trading within fixed maturity portfolio.
Biggest Revenue Drivers
Total revenue: $383.7M+14.4% YoY
Net earned premium$354.1M+12.5% YoY
Direct earned premium grew 7.4% and assumed earned premium grew 18.9% YoY.
Net investment gains (losses)($0.4M)+57.9% YoY
Opportunistic trading within fixed maturity portfolio.
Largest Expense Items
Losses and loss settlement expenses$212.3M+9.6% YoY
Underlying loss ratio improved and catastrophe losses decreased, partially offset by neutral prior year reserve development.
Margins: Combined ratio improved to 95.3% from 96.4% YoY, driven by net loss ratio improvement of 1.6 points to 59.9%, benefiting from lower catastrophe losses and improved underlying loss ratios in commercial lines. Expense ratio increased 0.5 points to 35.4%, partially due to real estate footprint reduction costs.
Watch Items from the Filing
Surety line deteriorated 3.0 points YoY to 39.1% loss ratio due to adverse prior year reserve development on large losses from 2023, though underlying loss ratio improved.
Workers' compensation loss ratio deteriorated 15.0 points YoY to 71.1% due to unfavorable prior year reserve development, offsetting favorable underlying performance.
Reinsurance assumed line loss ratio deteriorated 4.1 points YoY to 65.6% due to higher pricing ratios and adverse prior period development, partially offset by improved catastrophe experience.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
