Sign In
Buy UFCS
United Fire Group Earnings Calls
| Release date | Nov 04, 2025 |
| EPS estimate | $0.690 |
| EPS actual | $1.50 |
| EPS Surprise | 117.39% |
| Revenue estimate | 332.337M |
| Revenue actual | 354.018M |
| Revenue Surprise | 6.52% |
| Release date | Aug 05, 2025 |
| EPS estimate | $0.570 |
| EPS actual | $0.90 |
| EPS Surprise | 57.89% |
| Revenue estimate | 345.203M |
| Revenue actual | 336.579M |
| Revenue Surprise | -2.50% |
| Release date | May 06, 2025 |
| EPS estimate | $0.620 |
| EPS actual | $0.700 |
| EPS Surprise | 12.90% |
| Revenue estimate | 345.128M |
| Revenue actual | 21.124M |
| Revenue Surprise | -93.88% |
| Release date | Feb 11, 2025 |
| EPS estimate | $0.610 |
| EPS actual | $1.25 |
| EPS Surprise | 104.92% |
| Revenue estimate | 327.7M |
| Revenue actual | 331.738M |
| Revenue Surprise | 1.23% |
Last 4 Quarters for United Fire Group
Below you can see how UFCS performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Feb 11, 2025 |
| Price on release | $25.06 |
| EPS estimate | $0.610 |
| EPS actual | $1.25 |
| EPS surprise | 104.92% |
| Date | Price |
|---|---|
| Feb 05, 2025 | $25.48 |
| Feb 06, 2025 | $25.59 |
| Feb 07, 2025 | $24.98 |
| Feb 10, 2025 | $24.78 |
| Feb 11, 2025 | $25.06 |
| Feb 12, 2025 | $25.62 |
| Feb 13, 2025 | $26.77 |
| Feb 14, 2025 | $26.50 |
| Feb 18, 2025 | $27.26 |
| 4 days before | -1.65% |
| 4 days after | 8.78% |
| On release day | 2.23% |
| Change in period | 6.99% |
| Release date | May 06, 2025 |
| Price on release | $28.60 |
| EPS estimate | $0.620 |
| EPS actual | $0.700 |
| EPS surprise | 12.90% |
| Date | Price |
|---|---|
| Apr 30, 2025 | $27.67 |
| May 01, 2025 | $27.73 |
| May 02, 2025 | $28.63 |
| May 05, 2025 | $28.31 |
| May 06, 2025 | $28.60 |
| May 07, 2025 | $27.29 |
| May 08, 2025 | $27.86 |
| May 09, 2025 | $27.93 |
| May 12, 2025 | $27.92 |
| 4 days before | 3.36% |
| 4 days after | -2.38% |
| On release day | -4.58% |
| Change in period | 0.90% |
| Release date | Aug 05, 2025 |
| Price on release | $26.80 |
| EPS estimate | $0.570 |
| EPS actual | $0.90 |
| EPS surprise | 57.89% |
| Date | Price |
|---|---|
| Jul 30, 2025 | $26.74 |
| Jul 31, 2025 | $26.55 |
| Aug 01, 2025 | $26.11 |
| Aug 04, 2025 | $26.66 |
| Aug 05, 2025 | $26.80 |
| Aug 06, 2025 | $28.72 |
| Aug 07, 2025 | $29.04 |
| Aug 08, 2025 | $29.06 |
| Aug 11, 2025 | $29.92 |
| 4 days before | 0.224% |
| 4 days after | 11.64% |
| On release day | 7.16% |
| Change in period | 11.89% |
| Release date | Nov 04, 2025 |
| Price on release | $30.90 |
| EPS estimate | $0.690 |
| EPS actual | $1.50 |
| EPS surprise | 117.39% |
| Date | Price |
|---|---|
| Oct 29, 2025 | $30.04 |
| Oct 30, 2025 | $30.32 |
| Oct 31, 2025 | $30.23 |
| Nov 03, 2025 | $30.53 |
| Nov 04, 2025 | $30.90 |
| Nov 05, 2025 | $35.44 |
| Nov 06, 2025 | $35.06 |
| Nov 07, 2025 | $35.33 |
| Nov 10, 2025 | $36.26 |
| 4 days before | 2.86% |
| 4 days after | 17.35% |
| On release day | 14.69% |
| Change in period | 20.71% |
United Fire Group Earnings Call Transcript Summary of Q3 2025
UFG delivered a very strong Q3 2025 driven by underwriting improvement, premium growth and higher investment income. Key financials: net income of $39.2 million (nearly double prior year), best third-quarter underwriting result in ~20 years with a 91.9% combined ratio, net written premium of $328 million (third-quarter record), and 9M return on equity of 12.7% (best YTD in ~20 years). Underwriting: underlying loss ratio improved to 56.0% (down 1.9 pts YoY in the quarter; 56.7% YTD), a low catastrophe loss ratio (1.3%), 7% premium growth in the quarter driven by 22% growth in core commercial, and retention of 86%. Management is positioning the portfolio more conservatively within actuarial ranges by advancing reserves where appropriate. Investments: fixed-income repositioning is boosting net investment income (Q3 fixed-income income +17% YoY) with new purchase yields ~5% and limited partnership investments (≈$100M) generating strong returns. Expenses: expense ratio improved to 34.6% (down 1.3 pts YoY). Capital: dividend of $0.16 per share paid in Q3; capital management priorities remain: support growth first, then dividends, with no change to buyback/M&A posture. Management emphasizes continued strategic execution — specialization of underwriting, deeper distribution relevance, disciplined risk selection — to sustain profitable growth and target long-term ROE goals.
