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United Fire Group, Inc. UFCS R2K

Financial Services · Insurance - Property & Casualty · United States
https://www.ufginsurance.com
Company Profile ↓
$51.67
+86.85% 1Y
Mkt Cap$1.33B
P/E10.42
P/B1.31
Div. Yield1.65%
52W High$53.93
52W Low$25.74
Book Value$37.06
EPS (TTM)$4.96

Company Overview

United Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing. The company also offers marine specialty, professional liability, and earthquake coverages; specialty and surplus lines coverage; and reinsurance coverage for property and casualty insurance. It sells its products through a network of independent agencies. United Fire Group, Inc. was incorporated in 1946 and is headquartered in Cedar Rapids, Iowa.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 10.4, below the sector median of 13.3.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.15.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $1.39B (+10.6% YoY); net profit $118.19M.
  • Trailing 12 Months Year-on-year growth — revenue +11.6%, earnings +71.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 5.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:5.69%
1 Year:11.60%

Compounded Profit Growth

5 Years:-
1 Year:71.60%

Stock Price Performance

1 Year:+86.85%
6 Months:+46.26%
3 Months:+30.06%
1 Month:+8.28%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 92% of range
$25.74 $53.93
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)58.63 · Neutral
Price Performance
1M+8.28%
3M+30.06%
6M+46.26%
1Y+86.85%
Valuation vs Sector

P/E of 10.42 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.42
Industry PE
13.30
Forward P/E
11.41
PEG Ratio
1.41
Book Value
$37.06
Price to Book
1.31
P/S
0.87
EV/EBITDA
6.55
Dividend Yield
1.65%

Growth (CAGR)

Revenue 5Y
5.69%
Profit 5Y
-
Revenue (YoY)
11.60%
Earnings (YoY)
71.60%

Profitability & Returns

ROCE
-
ROE
14.77%
ROA
2.96%
Profit Margin
9.16%
Op Margin
11.15%
Gross Margin
12.36%
EPS (Latest Qtr)
$1.15
EPS (TTM)
$4.96

Balance Sheet & Liquidity

Debt/Equity
0.15
Quick Ratio
0.25
Current Ratio
0.35
Debt
$146.27M
Total Assets
$3.91B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
17.30%
Chg in Prom Hold
-
FII / Inst Holding
68.70%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$1.33B
Total Revenue (TTM)
$1.42B
EBITDA
$187.26M
Free Cash Flow
$267.82M
Operating Cash Flow
$290.70M
Shares Outstanding
25.66M
Gross Margin
12.36%
Payout Ratio
13.71%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UFCS United Fire Group, Inc. R2K 51.67 10.42 $1.33B 1.65% - 14.77% 5.69% -
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue 238.48M255.92M264.56M275.96M231.33M244.87M255.62M264.54M251.28M258.49M269.62M273.36M250.79M275.40M291.91M252.06M305.54M304.20M298.06M293.37M177.81M297.80M282.12M310.90M300.74M244.41M248.54M245.01M219.54M235.57M267.10M267.09M273.95M296.00M301.17M322.96M331.12M335.47M354.02M369.44M
Net Income 23.68M15.02M19.53M30.89M22.43M3.11M12.37M11.99M19.94M2.96M-17.86M-45.76M157.00K11.07M-44.52M-4.20M-2.34M--72.53M5.96M-37.24M-18.70M13.75M-9.59M28.35M-10.46M-22.98M694.00K-56.38M6.38M13.50M-2.73M19.75M17.70M22.95M39.19M30.05M
Diluted EPS 0.940.590.771.210.880.120.480.460.770.12-0.72-1.800.010.43-1.74-0.17-0.09--2.900.24-1.49-0.740.54-0.381.12-0.42-0.910.03-2.230.250.52-0.110.760.670.871.491.15

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 572.19M591.07M705.01M813.24M877.04M941.89M899.27M996.36M1.05B1.07B1.20B1.07B1.07B980.29M1.10B1.25B1.39B
Net Income -10.44M47.51M11.00K40.21M76.14M59.14M89.13M49.90M51.02M27.65M14.82M-112.71M80.59M15.03M-29.70M61.96M118.19M
Diluted EPS -0.391.800.001.582.982.323.531.931.991.080.58-4.50-0.59-1.182.394.48

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --3.01B3.62B3.69B3.72B3.86B3.89B4.05B4.18B2.82B3.01B3.07B3.01B2.88B3.14B3.49B3.84B
Total Equity 641.74M672.74M716.42M696.14M729.18M782.83M817.41M878.90M941.88M973.37M888.38M910.47M825.15M879.12M740.11M733.75M781.53M941.17M
Cash & Equivalents 109.58M190.85M180.06M144.53M107.47M92.19M66.72M89.50M89.19M95.56M64.45M120.72M87.95M132.10M96.65M102.05M200.95M156.33M
Long Term Debt ---45.00M0-------------
Total Liabilities --2.29B2.92B2.97B2.94B3.04B3.01B3.11B3.21B1.93B2.10B2.24B2.13B2.14B2.41B2.71B2.90B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 100.41M71.22M74.43M172.08M161.49M151.29M190.00M214.38M170.09M110.10M93.75M41.44M29.92M-1.25M171.74M340.30M269.74M
Investing Cash Flow -130.09M-94.71M-175.19M-111.34M-101.99M-58.88M-36.29M-112.40M-61.98M-19.20M4.50M-92.87M31.73M-19.17M-149.89M-292.49M-325.96M
Financing Cash Flow 110.95M12.70M65.23M-97.80M-74.78M-94.03M-137.84M-97.58M-107.55M-115.19M-41.98M18.66M-17.49M-15.03M-16.45M51.09M11.60M
Share Buybacks 1.54M6.28M12.43M7.30M1.64M12.94M2.42M3.75M29.78M5.40M11.70M2.74M2.01M00--
Dividends Paid 15.95M15.77M15.51M15.27M17.48M19.68M21.66M24.59M27.34M105.41M32.66M28.53M15.06M15.86M16.16M16.21M16.31M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -1.8%8.0%0.0%4.9%8.7%6.3%9.9%5.0%4.8%2.6%1.2%-10.5%7.6%1.5%-2.7%4.9%8.5%
ROE % -1.6%6.6%0.0%5.5%9.7%7.2%10.1%5.3%5.2%3.1%1.6%-13.7%9.2%2.0%-4.0%7.9%12.6%
ROCE % -----------------

Shareholding Pattern

Insiders
17.30%
Institutions
68.70%
Public Float
83.08%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 13.44% 3.45M $183.39M
2 Dimensional Fund Advisors LP 5.81% 1.49M $79.24M
3 Vanguard Capital Management LLC 3.77% 966.30K $51.39M
4 State Street Corporation 3.19% 817.50K $43.48M
5 Geode Capital Management, LLC 2.58% 662.30K $35.22M
6 Systematic Financial Management, L.P. 2.39% 612.40K $32.57M
7 American Century Companies Inc 2.21% 567.08K $30.16M
8 Vanguard Portfolio Management LLC 2.08% 532.70K $28.33M
9 Bank of America Corporation 1.94% 497.42K $26.46M
10 AQR Capital Management, LLC 1.65% 422.05K $22.45M

Analyst View

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Latest News

Recent headlines for UFCS

Google News Fri, 03 Jul 2026

United Fire Group (UFCS) Is Up 8.82% in One Week: What You Should Know - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMikwFBVV95cUxPbUR0N0FtSmhhMGdXVGFBZExpdHozSnRWLXktOXhhY3ItWVlhYlpZYTEyRDNyTm83d2xnM08zYW1MRGlmV0ZobnI4X3MtYmpXS2FYMkZwUEN5UmFaUXFzYUVPdm9jaktPTUtpN0o2MTVjbU9WcjRwNE9lM25YSXk3WlBBN25ibjROTzBLSG…

Google News Fri, 10 Jul 2026

(UFCS) and the Role of Price-Sensitive Allocations - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxPXzZkb3hnMUNrUDBpNUVjZlo3bW9TU3ZoeHVIeTJaOUp2UUd3YnZvRGFjRWpHcVlsN0RaZm45d3hiRWtsWWpiZmRnZmxJdVJKR0ZTYUdNSUkxUEpFdk14MHJIRzJRWUFMbGtsRDVYckJXdEEzTXRSRWZ3WXJwdWxlZDlhZHljM2RJS0tmcm…

Google News Wed, 08 Jul 2026

United Fire Group (UFCS) Leaves The Russell 2000 Index, Is It Still 2% Overvalued? - simplywall.st

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Google News Mon, 06 Jul 2026

United Fire Group (UFCS) CAO reports 159-share RSU tax withholding - Stock Titan

<a href="https://news.google.com/rss/articles/CBMitgFBVV95cUxQdUQtRjZuQWpFZVhDZThqb0VQSUt4RFNLcmxLal9PaUYtRXBId0lCNDYwMXZ5WnppV1VhT3liV1B5M0pvY0FFNDh2eGNDYlhQSXprLUFBMUlmeW4wNjJBbFJjLUwwTFlqVmMxVlh3blBhZGJOZG5QbFFDVXFhczNmYUtNd2lMbjhTakRkWF…

Google News Fri, 03 Jul 2026

25,171 Shares in United Fire Group, Inc $UFCS Acquired by Sierra Summit Advisors LLC - MarketBeat

<a href="https://news.google.com/rss/articles/CBMi2gFBVV95cUxQSlFvYkRYTFFVOGstQ21ocEhpazFEdTR3Q2tvajZ3NDR5bnhuUXFmMzBLa2dsRDRZU1ZWeHpCN2hLYW4ySWpxNlA4c0wtLUZhY0lZTTM2THJSd1BDYkVhSDA3WHJPeXEzcFBsRE5Hal8xVTUtMjNLSWdEVzVGdVJHemZjWUhpaTVHMkRlRV…

Google News Wed, 24 Jun 2026

United Fire Group, Inc (UFCS) Hits Fresh High: Is There Still Room to Run? - Yahoo Finance

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UFCS — Frequently Asked Questions

What is the current share price of United Fire Group, Inc. (UFCS)?

As of 2026-07-14 21:23 PDT, United Fire Group, Inc. (UFCS) trades at $51.67 on NasdaqGS. Its 52-week range is $25.74 to $53.93.

What is the market capitalisation of UFCS?

United Fire Group, Inc. (UFCS) has a market capitalisation of $1.33B on NasdaqGS.

What is the P/E ratio of UFCS?

UFCS trades at a trailing price-to-earnings (P/E) ratio of 10.42. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.31.

Does UFCS pay a dividend?

United Fire Group, Inc. (UFCS) currently offers a dividend yield of 1.65%.

What is the return on equity (ROE) of UFCS?

UFCS has a return on equity (ROE) of 14.77%.

Is UFCS a good stock to buy?

This page provides a data-driven analysis of United Fire Group, Inc. (UFCS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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