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

United Fire (UFCS) posted Net Margin of 8.76% for Q1 2026, down 0.68% sequentially from 8.82% in Q4 2025, and up 342.0% YoY from 1.98% in Q1 2025.

Analysis

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

United Fire has reported Net Margin for 16 years, with the latest figure at 8.76% in Q1 2026.

Quarterly Net Margin rose 342.0% year-over-year to 8.76% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 9.02% (up 389.0% YoY) and the FY2025 annual result came in at 8.52%, up 358.0% from the prior year.
Net Margin declined to 8.76% in Q1 2026 per UFCS's latest filing, from 8.82% in the prior quarter.
Over five years, Net Margin peaked at 12.1% in Q1 2022 and troughed at 22.14% in Q2 2023.
A 5-year average of 3.28% and a median of 6.11% in 2024 frame the typical range for Net Margin.
The sharpest annual moves came in 2023 and 2024: Net Margin tumbled 1762 bps in 2023, then surged 2123 bps in 2024.
Over 5 years, Net Margin stood at 8.12% in 2022, then climbed by 7 bps to 8.66% in 2023, then rose by 9 bps to 9.44% in 2024, then decreased by 7 bps to 8.82% in 2025, then declined by 1 bps to 8.76% in 2026.
According to Business Quant data, Net Margin over the past three periods registered 8.76%, 8.82%, and 11.07% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Set

#	Company	Market Cap	Enterprise Value	Gross Profit (Qtr)	Net Margin (Qtr)
1	Chubb	133.72 Bn	119.95 Bn	9.13 Bn	18.22%
2	Progressive	130.49 Bn	125.49 Bn	9.04 Bn	14.02%
3	Travelers Companies	78.31 Bn	54.56 Bn	6.23 Bn	18.17%
4	Allstate	67.41 Bn	28.68 Bn	16.28 Bn	17.43%
5	Fairfax Financial Holdings	36.25 Bn	36.25 Bn	-	-
6	Cincinnati Financial	26.82 Bn	24.93 Bn	2.39 Bn	29.36%
7	Markel	23.07 Bn	6.18 Bn	2.83 Bn	29.09%
8	Loews	22.51 Bn	213.53 Mn	2.57 Bn	9.95%
9	Assurant	14.21 Bn	12.18 Bn	2.71 Bn	8.64%
10	United Fire	1.44 Bn	1.30 Bn	171.45 Mn	8.70%

Historic Data

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