United Fire & Casualty | 8-K: FY2025 Q3 Revenue Misses Estimate at USD 354.02 M

Revenue: As of FY2025 Q3, the actual value is USD 354.02 M, missing the estimate of USD 354.46 M.

EPS: As of FY2025 Q3, the actual value is USD 1.49.

EBIT: As of FY2025 Q3, the actual value is USD 25.54 M.

Net Income

• Third quarter net income increased by $19.4 million to $39.2 million.
• Net income per diluted share was $1.49.

Adjusted Operating Income

• Adjusted operating income increased by $18.4 million to $39.5 million.
• Adjusted operating income per diluted share was $1.50.

Net Investment Income

• Net investment income increased by 6.3% to $26.0 million.

Combined Ratio

• Combined ratio improved by 6.3 points to 91.9%.
• Underlying combined ratio improved by 3.2 points to 90.6%.

Net Written Premium

• Net written premium increased by 7% to $328.2 million.

Book Value Per Share

• Book value per share increased by $4.42 to $35.22 as of September 30, 2025.
• Adjusted book value per share increased by $2.70 to $36.34 as of September 30, 2025.

Return on Equity

• Return on equity was 12.7% as of September 30, 2025.

Outlook / Guidance

• UFG is well positioned to navigate evolving industry dynamics and carry the momentum built through the end of the year and into 2026.