United Fire Group (NASDAQ: UFCS) reported strong Q3 2026 results, achieving a 94.6% combined ratio and a 14% return on equity. The company emphasized disciplined underwriting, profitable growth, and prudent capital management, with net written premium increasing 13% and investment income growing 25%. Management highlighted improved risk selection, diversified distribution, and a stable underlying loss ratio despite moderating pricing and increased competition.
Original sourceUFCSNASDAQFinancial Services
UNITED FIRE GROUP INC
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Latest price
$47.73
+0.80%
Alpha Vantage · 11/6/2026
Industry: Insurance - Property & CasualtyCategory: Domestic Common StockCurrency: USDNews: 1 recent
Analyze UFCS free One-year price history
Adjusted daily closes · 252 observations · as of Nov 6, 2026
1 month
-15.4%
3 months
-10.4%
6 months
-0.2%
1 year
+38.2%
Year to date
+33.1%
52-week range
$33.90 – $57.99
Fundamental snapshot
Latest reported period: Sep 30, 2026
Market cap
$1.23B
P/E
9
P/B
1.3
P/S
0.8
Revenue
$1.51B
Net income
$136.86M
Diluted EPS
5.23
Gross margin
45.10%
Net margin
9.10%
Return on equity
14.40%
Total debt
$146.43M
Cash
$150.74M
Free cash flow
$308.5M
Latest eight reported quarters
Reported quarterly values, newest first
| Period | Revenue | Net income | Gross margin | Net margin | Free cash flow |
|---|---|---|---|---|---|
| Sep 30, 2026 | $391.63M | $35.09M | 44.80% | 9.00% | $99.35M |
| Jun 30, 2026 | $383.73M | $33.37M | 44.70% | 8.70% | $33.73M |
| Mar 31, 2026 | $369.44M | $30.05M | 43.70% | 8.10% | $56.24M |
| Dec 31, 2025 | $365.81M | $38.35M | 47.30% | 10.50% | $119.18M |
| Sep 30, 2025 | $354.02M | $39.19M | 46.80% | 11.10% | $59.29M |
| Jun 30, 2025 | $335.47M | $22.95M | 42.30% | 6.80% | $51.65M |
| Mar 31, 2025 | $331.12M | $17.7M | 42.70% | 5.30% | $33.18M |
| Dec 31, 2024 | $333.18M | $31.44M | 47.00% | 9.40% | $183.93M |
Reported figures can reflect company reporting conventions, restatements, or sector-specific accounting. Verify against filings before relying on a valuation comparison.
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United Fire Gr Q3 2026 Earnings Call Transcript