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Learn moreUnited Fire Group, Inc. reports second quarter 2026 results
- 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.
“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.”
(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.