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Trusted insurance solutions since 1946

UFG Insurance was founded on a belief that the insurance business is a people business — a principle that still anchors us today.

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United Fire Group, Inc. reports second quarter 2026 results

Released on: Aug 3, 2026, 15:01 PM
CEDAR RAPIDS, IOWA, August 3, 2026

 

Second quarter net income of $1.29 per diluted share
and adjusted operating income of $1.30 per diluted share

Second quarter 2026 highlights compared to second quarter 2025, unless otherwise noted:(1)
  • Net income increased $10.4 million to $33.4 million.
  • Net investment income increased 33% to $28.9 million.
  • Combined ratio improved 1.1 points to 95.3%, composed of an underlying loss ratio of 57.2%, catastrophe loss ratio of 2.7%, no prior year reserve development, and underwriting expense ratio of 35.4%. 
  • Underlying combined ratio increased 0.1 points to 92.6%.
  • Net written premium(2) increased 9% to $406.4 million.
  • Book value per share increased $1.14 to $38.02 as of June 30, 2026, compared to December 31, 2025.
  • Adjusted book value per share increased $1.85 to $39.72 as of June 30, 2026, compared to December 31, 2025.
  • Return on equity was 13.2% for the six months ended June 30, 2026.

CEDAR RAPIDS, IOWA, August 3, 2026 — United Fire Group, Inc. (UFG) (Nasdaq: UFCS) today reported financial results for the quarter ended June 30, 2026, with net income increasing 45% over the prior year to $33.4 million ($1.29 per diluted share) and adjusted operating income increasing 42% over the prior year to $33.7 million ($1.30 per diluted share).

Net written premium increased 9% in the second quarter, led by growth in the company's core commercial business. The second quarter combined ratio improved 1.1 points year-over-year to 95.3% primarily due to a decreased catastrophe loss ratio. Prior year reserve development remained neutral overall, and net investment income increased 33% to $28.9 million.

“UFG delivered another quarter of outstanding results, achieving our best second-quarter combined ratio in more than 15 years, record net income, record net written premium, and the highest investment income in over 10 years,” said President and CEO Kevin Leidwinger. “These results contributed to a 13.2% return on equity through the first six months of 2026, marking our strongest year-to-date financial performance in two decades. 

“The momentum we are seeing reflects the benefits of the strategic actions we have taken to deepen underwriting expertise, evolve our capabilities, strengthen alignment with our distribution partners, and improve investment returns. The transformation of our business continues to generate meaningful financial and operational results, positioning UFG for long-term success.

“As we enter the second half of the year, we remain focused on leveraging our underwriting expertise and strong distribution relationships to pursue attractive growth opportunities. We are confident in our ability to navigate evolving market conditions as a disciplined, solution-oriented underwriting company while continuing to create value for our policyholders, distribution partners and shareholders.”

View the full release here.

(1) Underlying loss ratio, underlying combined ratio and adjusted book value per share are non-GAAP financial measures. See Definitions of non-GAAP information and reconciliations to comparable GAAP measures for additional information.

(2) Net written premium is a performance measure reflecting the amount charged for insurance policy contracts issued and recognized on an annualized basis at the effective date of the policy. See Certain performance measures for additional information.