United Fire Group Inc. $(UFG)$ reported fourth quarter (Q4) 2025 net income of USD 38.40 million, or USD 1.45 per diluted share, and adjusted operating income of USD 39.70 million, or USD 1.50 per diluted share. For the full year (FY) 2025, net income was USD 118.20 million, or USD 4.48 per diluted share, and adjusted operating income totaled USD 4.60 per diluted share. Net written premium for Q4 2025 increased 11% to USD 309.70 million, while full year net written premium rose 9% to USD 1.30 billion. The Q4 combined ratio improved by 2.1 points to 92.3%, comprised of an underlying loss ratio of 55.4%, catastrophe loss ratio of 1.2%, no prior year reserve development, and underwriting expense ratio of 35.7%. For the full year, the combined ratio improved by 4.4 points to 94.8%, with an underlying loss ratio of 56.3%, catastrophe loss ratio of 3.2%, favorable prior year reserve development of 0.4%, and underwriting expense ratio of 35.7%. Net investment income for Q4 2025 increased 14% to USD 26.40 million, and for the full year increased 19% to USD 97.50 million. Book value per share as of December 31, 2025, was USD 36.88, while adjusted book value per share increased to USD 37.87. Full year return on equity was 13.7%. The board of directors declared a 25% increase in the quarterly dividend to USD 0.20 per share. UFG reported growth in net written premium, higher retention and new business compared to the previous year, and an average renewal premium increase of 6.3% for Q4 2025. The company also noted improvements in underlying loss ratio, expense ratio, and catastrophe losses for the period.

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