---
schema_version: "secwatch.filing_event.v1"
accession: "0000101199-25-000006"
form_type: "8-K"
ticker: "UFCS"
cik: "0000101199"
company_name: "UNITED FIRE GROUP INC"
filed_at: "2025-02-11T23:59:59+00:00"
generated_at: "2026-05-26T23:12:31.853046+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# UFG Q4 net income $31.4M ($1.21/sh); combined ratio 94.4% improves 4.8 pts YoY

## Summary
- Adjusted operating income $1.25 per diluted share; full year net income $62.0M ($2.39/sh).
- Net written premiums up 13% to $278.5M in Q4; full year $1.2B (+15%), highest in 79-year history.
- Net investment income rose 21.2% to $23.2M in Q4; full year +37.5% to $82.0M.
- Underlying combined ratio improved 1.6 pts to 92.8% in Q4; full year 93.8%.
- Resolved rating errors with no financial impact; estimates $7M-$10M in CA wildfire losses.

## SEC filing metadata
- accession: 0000101199-25-000006
- form_type: 8-K
- ticker: UFCS
- cik: 0000101199
- company_name: UNITED FIRE GROUP INC
- filed_at: 2025-02-11T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/101199/000010119925000006/0000101199-25-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/101199/000010119925000006/ufcs-20250211.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000101199-25-000006
- JSON: https://secwatch.observer/filing/0000101199-25-000006.json
- Plain text: https://secwatch.observer/filing/0000101199-25-000006.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.