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.<h3>Segment Revenue</h3><ul><li>Net Earned Premium: $328.4 million for the three months ended September 30, 2025, compared to $300.2 million for the same period in 2024, representing a 9.4% increase. For the nine months ended September 30, 2025, net earned premium was $951.6 million, compared to $868.6 million in 2024, a 9.6% increase.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $39.2 million for the three months ended September 30, 2025, compared to $19.7 million for the same period in 2024. For the nine months ended September 30, 2025, net income was $79.8 million, compared to $30.5 million in 2024.</li><li>Net Loss Ratio: Improved to 57.3% for the three months ended September 30, 2025, from 62.3% in 2024. For the nine months ended September 30, 2025, the net loss ratio improved to 60.1% from 65.4% in 2024.</li><li>Combined Ratio: Improved to 91.9% for the three months ended September 30, 2025, from 98.2% in 2024. For the nine months ended September 30, 2025, the combined ratio improved to 95.9% from 100.9% in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $149.9 million for the nine months ended September 30, 2025, compared to $184.0 million for the same period in 2024.</li><li>Net Cash Used in Investing Activities: - $133.6 million for the nine months ended September 30, 2025, compared to - $143.1 million in 2024.</li><li>Net Cash Provided by Financing Activities: $16.4 million for the nine months ended September 30, 2025, compared to $54.4 million in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Net Investment Income: $26.0 million for the three months ended September 30, 2025, compared to $24.5 million in 2024. For the nine months ended September 30, 2025, net investment income was $71.1 million, compared to $58.8 million in 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company aims to continue its growth in core commercial lines through new business production, increased pricing, and improved retention. The focus is on maintaining a strong underwriting discipline and managing expenses effectively to improve profitability.</li><li>Non-Core Business: The company has exited certain reinsurance programs as part of targeted management actions to optimize its portfolio and focus on more profitable segments.</li></ul>

United Fire & Casualty | 10-Q: FY2025 Q3 Revenue Misses Estimate at USD 354.02 M