Headquartered in Cedar Rapids, Iowa, United Fire Group, Inc. (UFCS) operates throughout the United States, specializing in property and casualty insurance solutions ...
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$0.72 per share
$0.72 per share
Est. EPS $1.19 · Revenue $384.18M · 1 analysts
Est. EPS $1.35 · Revenue $401.28M · 1 analysts
EPS $0.67 · Revenue $331.11M
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $1.4B | +10.7% | +3.9% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $118.2M | +90.8% | +11.0% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +44.9% | +148.6% | +129.0% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +10.7% | +73.4% | +6.2% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +8.5% | +72.2% | +6.9% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $263.3M | -19.8% | -40.0% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +19.0% | -27.6% | -42.3% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 15.5% | +3.7% | -2.7% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.80x | — | — |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $3.8B | +10.1% | +2.7% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 4.48 vs 4.12 | +8.6% | 1.29 vs 0.69 | +86.1% |
| Revenue Surprise | $1.4B vs $1.3B | +10.2% | $383.7M vs $347.8M | +10.3% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 21, 2026 | Brown Teresa Jean | director | Common Stock | — | 0 | — |
| Aug 21, 2026 | Brown Teresa Jean | director | Common Stock | — | 0 | — |
| Jul 1, 2026 | Vogt Adam M | officer: VP - Chief Accounting Officer | Common Stock | D | 159 | $53.42 |
| Jun 5, 2026 | MILLIGAN GEORGE D | director | Common Stock | A | 4,500 | $45.23 |
| May 20, 2026 | Carlton Scott L | director | Common Stock | A | 2,082 | $48.04 |
Operator: Good day, and welcome to the United Fire Group Insurance 2026 second quarter conference call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Tim Borst. Please go ahead. Timothy Borst: Good morning, and thank you for joining this call. Yesterday afternoon, we issued a press release on our results. To find a copy of this document, please visit our website at ufginsurance.com. Press releases and slides are located under the Investors tab. Joining me today on the call are UFG President and Chief Executive Officer, Kevin Leidwinger; Executive Vice President and Chief Operating Officer, Julie Stephenson; and Executive Vice President and Chief Financial Officer, Eric Martin. Before I turn the call over to Kevin, a couple of reminders. First, please note that our presentation today may include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are based on current expectations, estimates, forecasts and projections about the company, the industry in which we operate and beliefs and assumptions made by management. The company cautions investors that any forward-looking statement includes risks and uncertainties and are not a guarantee of future performance. Any forward-looking statement made by us in this presentation is based only on information currently available to us and speaks only as of the date on which it is made. These forward-looking statements are based on management's current expectations, and the company assumes no obligation to update any forward-looking statements. The actual results may differ materially due to a variety of factors, which are described in our press release and SEC filings discussed specifically in our most recent annual report on Form 10-K. Also, please note that in our discussion today, we may use some non-GAAP financial measures. Reconciliations of these measures to the most comparable GAAP measures are also available in our press release and SEC filings. At this time, I will turn the call over to Mr. Kevin Leidwinger, CEO of UFG Insurance. Kevin Leidwinger: Good morning, and thank you for joining UFG's second quarter 2026 earnings call. I'm pleased to report another quarter of exceptional performance for UFG. Our team delivered outstanding results across the organization, achieving our best second quarter combined ratio in more than 15 years, record net income, record net written premium and our highest level of investment income in over a decade. These results reflect the success of the strategic actions we've taken to transform the company. By deepening our underwriting expertise, evolving our capabilities, strengthening alignment with our distribution partners and improving investment performance, we continue to create meaningful value for our stakeholders. These efforts are driving sustained improvements in UFG's financial and operational performance while …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Kevin James Leidwinger | President, Chief Executive Officer, Principal Executive Officer & Director | USD 2,222,211 | Male | 1964 | Active |
Julie Ann Stephenson | Executive Vice President & Chief Operating Officer | USD 1,575,304 | Female | 1968 | Active |
Eric John Martin | Executive Vice President & Chief Financial Officer | USD 1,076,534 | Male | 1971 | Active |
Sarah Emily Madsen | Senior Vice President, Chief Legal Officer & Corporate Secretary | USD 785,804 | Female | 1979 | Active |
Steven Dennis Hernandez | Senior Vice President & Chief Human Resources Officer | USD 681,005 | Male | 1967 | Active |
Micah Grant Woolstenhulme | Senior VP & Chief Reinsurance Officer | USD 541,526 | Male | 1976 | Active |
Adam Michael Vogt | Vice President, Chief Accounting Officer & Controller | — | Male | — | Active |
Michael John Sheeley | Vice President & Chief Marketing Officer | — | Male | 1961 | Active |
Lindsay E. Lovvorn | Senior Vice President & Chief Administrative Officer | — | Female | — | Active |
Timothy Borst | Vice President of Investor Relations | — | — | — | Active |
CEDAR RAPIDS, Iowa, Aug. 21, 2026 (GLOBE NEWSWIRE) -- Today, the board of directors of United Fire Group, Inc. (UFG) (Nasdaq: UFCS) declared a common stock quarterly cash dividend of $0.20 per share. This dividend will be payable September 18, 2026, to shareholders of record as of September 4, 2026.
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
United Fire (UFCS) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
United Fire Group NASDAQ: UFCS reported what President and Chief Executive Officer Kevin Leidwinger described as an exceptional second quarter, highlighted by record net income, record net written premium, its strongest second-quarter combined ratio in more than 15 years, and the highest quarterly investment income in over a decade.
United Fire Group, Inc. (UFCS) Q2 2026 Earnings Call Transcript
