What is the 13F Pro Quality Score for UFCS?

13F Pro ranks UNITED FIRE GROUP INC (UFCS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UFCS's current score at https://13fpro.ai/company/UFCS (free sign-up required for the full ranking).

Where does 13F Pro source UFCS data?

All UNITED FIRE GROUP INC fundamentals and ownership data come directly from SEC EDGAR. UNITED FIRE GROUP INC files with the SEC under CIK 101199. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is UFCS in?

UNITED FIRE GROUP INC (UFCS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives UFCS's revenue?

Per UNITED FIRE GROUP INC's latest 10-Q filed with the SEC on 2026-08-04, the biggest revenue drivers are: Net earned premium ($354.1M, +12.5% YoY); Net investment gains (losses) (($0.4M), +57.9% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/UFCS.

What are UFCS's largest expenses?

UNITED FIRE GROUP INC's latest 10-Q reports these as the largest expense items: Losses and loss settlement expenses ($212.3M, +9.6% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is UFCS research updated on 13F Pro?

UFCS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

UNITED FIRE GROUP INC(UFCS)Stock Analysis

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SEC EDGAR: CIK 101199 UFCS stock profile & AI dashboard →

13F Pro Quality Score

62.4/100

Rank #717 of 2,962 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

68.5/100

Profitability

68.3/100

Balance Sheet

63.4/100

Earnings Quality

77.8/100

Free Cash Flow

70.8/100

Institutional Flow

41.0/100

Revenue Scale

57.6/100

Dilution Risk

68.8/100

Email me the moment this company reports earnings

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Why UFCS Scores 62/100

exact factor attribution · 2026-09-11

UFCS's composite is driven by revenue growth and profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+4.9 pts

69th pct

Profitability

+3.7 pts

68th pct

Free cash flow

+3.1 pts

71th pct

Earnings quality

+2.8 pts

78th pct

Capital efficiency

+1.8 pts

63th pct

Scale

+1.5 pts

58th pct

Shareholder dilution

+1.3 pts

69th pct

Earnings growth

-0.2 pts

48th pct

Institutional flow

-0.6 pts

41th pct

Latest change (2026-08-04): 65 → 63 · ↓ Revenue growth 70→56

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

UFCS Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for UNITED FIRE GROUP INC (UFCS), 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. UNITED FIRE GROUP INC's 13F Pro composite quality score has ranged between 28 and 65 since 2021, currently 62.4 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

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Fun facts about UNITED FIRE GROUP INC

Quirks, history, and lore behind UFCS — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. property and casualty insurance company · small-cap · listed on Nasdaq · headquartered in the Midwest.
2
The Numbers
Annual revenues in the range of roughly $1 billion, writing commercial and personal lines across multiple states — a regional player punching quietly in a crowded ring.
3
The History
Founded in the mid-20th century in Iowa, it grew steadily through disciplined underwriting rather than splashy acquisitions — the tortoise of the insurance world.
4
The Secret
It also operates a life insurance segment alongside its core P&C business, making it a low-key multi-line insurer that most investors walk right past.
5
The Lore
Headquartered in Cedar Rapids, Iowa, it has been a quiet fixture of the local economy for decades — the kind of company whose name is on a building downtown but not on a Super Bowl ad.
6
The Giveaway
Its ticker, UFCS, is basically its whole personality in four letters — the United Fire Group, insuring the heartland one quiet policy at a time.

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What's Driving UFCS's Business? Latest 10-Q Breakdown

AI-extracted from UNITED FIRE GROUP INC's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$383.7M

Net Income

Q2 2026

$33.4M

Operating Margin

Q2 2026

10.9%

ROIC

Q2 2026

14.9%

D/E Ratio

Q2 2026

0.15

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+10.6% YoY

$1.39BFY 2025

FY22 $980.3MFY23 $1.10BFY24 $1.25BFY25 $1.39B

Net Income

+90.8% YoY

$118.2MFY 2025

FY22 $15.0MFY23 $-29.7MFY24 $62.0MFY25 $118.2M

EPS (Diluted)

+87.4% YoY

$4.48FY 2025

FY22 $0.59FY23 $-1.18FY24 $2.39FY25 $4.48

Total Assets

+10.1% YoY

$3.84BFY 2025

FY22 $2.88BFY23 $3.14BFY24 $3.49BFY25 $3.84B

Total Debt

$146.2MFY 2025

FY22 —FY23 —FY24 —FY25 $146.2M

Op. Cash Flow

-20.7% YoY

$269.7MFY 2025

FY22 $-1.3MFY23 $171.7MFY24 $340.3MFY25 $269.7M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.39B +10.6%	$1.25B +14.4%	$1.10B +11.7%	$980.3M -8.1%	$1.07B -0.2%	$1.07B
Net Income	$118.2M +90.8%	$62.0M +308.6%	$-29.7M -297.6%	$15.0M -81.3%	$80.6M +171.5%	$-112.7M
EPS (Diluted)	$4.48 +87.4%	$2.39 +302.5%	$-1.18 -300.0%	$0.59	—	$-4.50
Total Assets	$3.84B +10.1%	$3.49B +10.9%	$3.14B +9.1%	$2.88B -4.3%	$3.01B -1.9%	$3.07B
Total Debt	$146.2M	—	—	—	—	—
Operating Cash Flow	$269.7M -20.7%	$340.3M +98.2%	$171.7M +13827.9%	$-1.3M -104.2%	$29.9M -27.8%	$41.4M

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Available Research

13F Pro tracks comprehensive data for UNITED FIRE GROUP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UFCS

BlackRock, Inc.
$183.1M3,492,305 sh
DIMENSIONAL FUND ADVISORS LP
$78.9M1,505,183 sh
VANGUARD CAPITAL MANAGEMENT LLC
$50.6M965,279 sh
STATE STREET CORP
$45.1M860,633 sh
AMERICAN CENTURY COMPANIES INC
$37.8M721,246 sh
GEODE CAPITAL MANAGEMENT, LLC
$37.2M710,198 sh
SYSTEMATIC FINANCIAL MANAGEMENT LP
$30.6M582,930 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$29.3M558,629 sh
BANK OF AMERICA CORP /DE/
$24.9M475,517 sh
Invesco Ltd.
$22.7M433,243 sh

Fund	Value	Shares
BlackRock, Inc.	$183.1M	3,492,305
DIMENSIONAL FUND ADVISORS LP	$78.9M	1,505,183
VANGUARD CAPITAL MANAGEMENT LLC	$50.6M	965,279
STATE STREET CORP	$45.1M	860,633
AMERICAN CENTURY COMPANIES INC	$37.8M	721,246
GEODE CAPITAL MANAGEMENT, LLC	$37.2M	710,198
SYSTEMATIC FINANCIAL MANAGEMENT LP	$30.6M	582,930
VANGUARD PORTFOLIO MANAGEMENT LLC	$29.3M	558,629
BANK OF AMERICA CORP /DE/	$24.9M	475,517
Invesco Ltd.	$22.7M	433,243

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Is UFCS a good stock to buy?

13F Pro's AI-powered analysis of UNITED FIRE GROUP INC (UFCS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UFCS are available on the UFCS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. UFCS is classified as a small company.

Which hedge funds own UFCS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UFCS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UNITED FIRE GROUP INC's investment landscape.