United Fire Q3 net income $39.2M ($1.49 EPS), combined ratio 91.9%, net written premium record $328M

UNITED FIRE GROUP INC

2025-Q3 EPS reported $3.03 revenue$1,020,606,000

Net income of $39.2M ($1.49 diluted EPS) vs $19.8M year ago; adjusted operating income $39.5M ($1.50).
Combined ratio improved 6.3 pts to 91.9%, best third-quarter in ~20 years; underlying combined ratio 90.6%.
Net written premium grew 7% to a Q3 record $328.2M; rates increased 5.8%, retention and new business above prior year.
Net investment income up 6.3% to $26.0M; book value per share $35.22, adjusted $36.34; ROE 12.7%.

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