United Fire (UFCS) FCF Margin (2010 - 2026)

United Fire (UFCS) posted FCF Margin of 16.4% for Q1 2026, down 40.18% sequentially from 27.41% in Q4 2025, and up 638.0% YoY from 2.22% in Q1 2025.

Analysis

United Fire (UFCS) FCF Margin (2010 - 2026) Analysis & Trends

United Fire has reported FCF Margin for 17 years, with the latest figure at 16.4% in Q1 2026.

Quarterly FCF Margin rose 638.0% year-over-year to 16.4% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 19.8% (down 567.0% YoY) and the FY2025 annual result came in at 18.99%, down 721.0% from the prior year.
FCF Margin declined to 16.4% in Q1 2026 per UFCS's latest filing, from 27.41% in the prior quarter.
Over five years, FCF Margin peaked at 46.03% in Q4 2024 and troughed at 7.34% in Q3 2022.
A 5-year average of 14.79% and a median of 16.36% in 2023 frame the typical range for FCF Margin.
The sharpest annual moves came in 2023 and 2024: FCF Margin jumped 4944 bps in 2023, then plunged 2556 bps in 2024.
Over 5 years, FCF Margin stood at 11.74% in 2022, then dropped by 27 bps to 8.56% in 2023, then surged by 438 bps to 46.03% in 2024, then tumbled by 40 bps to 27.41% in 2025, then sank by 40 bps to 16.4% in 2026.
According to Business Quant data, FCF Margin over the past three periods registered 16.4%, 27.41%, and 16.75% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Set

#	Company	Market Cap	Enterprise Value	Gross Profit (Qtr)	FCF Margin (Qtr)
1	Chubb	134.63 Bn	120.86 Bn	9.13 Bn	23.58%
2	Progressive	130.78 Bn	125.78 Bn	9.04 Bn	14.69%
3	Travelers Companies	78.92 Bn	55.17 Bn	6.23 Bn	15.68%
4	Allstate	67.91 Bn	29.18 Bn	16.28 Bn	13.93%
5	Fairfax Financial Holdings	36.04 Bn	36.04 Bn	-	-
6	Cincinnati Financial	26.86 Bn	24.97 Bn	2.39 Bn	16.33%
7	Markel	23.11 Bn	6.22 Bn	2.83 Bn	9.57%
8	Loews	22.67 Bn	373.82 Mn	2.57 Bn	14.96%
9	Assurant	14.22 Bn	12.19 Bn	2.71 Bn	11.85%
10	United Fire	1.45 Bn	1.31 Bn	171.45 Mn	8.79%

Historic Data

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