United Fire Group, Inc. UFCS R2K

Financial Services · Insurance - Property & Casualty · United States

https://www.ufginsurance.com

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.

Market & Price

Market Cap

$1.14B

Current Price

$44.33

High / Low (52W)

$49.20 / $25.86

Beta

0.49

Valuation

Stock P/E

8.94

Industry PE

12.01

Forward P/E

9.79

PEG Ratio

1.41

Book Value

$36.88

Price to Book

1.20

P/S

0.80

EV/EBITDA

5.99

Dividend Yield

1.80%

Profitability & Returns

ROCE

ROE

14.77%

ROA

2.96%

Profit Margin

9.16%

Op Margin

11.15%

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

$3.84B

Current Assets

Working Capital

Ownership

Promoter Holding

17.48%

Chg in Prom Hold

FII / Inst Holding

68.70%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.12B

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%

Growth (CAGR)

Revenue 5Y

11.99%

Profit 5Y

98.85%

Revenue (YoY)

11.60%

Earnings (YoY)

71.60%

PROS

Compounding revenue at 12.0% over 5 years.
Profit CAGR of 98.9% over 5 years.
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.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	UFCS United Fire Group, Inc. R2K	44.33	8.94	$1.14B	1.80%	-	14.77%	11.99%	98.85%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	255.92M	264.56M	275.96M	231.33M	244.87M	255.62M	264.54M	251.28M	258.49M	269.62M	273.36M	250.79M	275.40M	291.91M	252.06M	305.54M	304.20M	298.06M	293.37M	177.81M	297.80M	282.12M	310.90M	300.74M	244.41M	248.54M	245.01M	219.54M	235.57M	267.10M	267.09M	273.95M	296.00M	301.17M	322.96M	331.11M	336.58M	354.02M	366.19M	369.44M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	24.34M	31.69M	51.79M	51.39M	41.20M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.48M	2.48M	3.12M	3.18M	3.18M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.85M	29.20M	48.68M	48.20M	38.01M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.15M	6.25M	9.49M	9.85M	7.96M
Net Income	15.02M	19.53M	30.89M	22.43M	3.11M	12.37M	11.99M	19.94M	2.96M	-17.86M	-	45.76M	157.00K	11.07M	-	44.52M	-4.20M	-2.34M	-	-72.53M	5.96M	-37.24M	-	18.70M	13.75M	-9.59M	28.35M	-10.46M	-22.98M	694.00K	-56.38M	6.38M	13.50M	-2.73M	19.75M	17.70M	22.95M	39.19M	38.35M	30.05M
Diluted EPS	0.59	0.77	1.21	0.88	0.12	0.48	0.46	0.77	0.12	-0.72	-	1.80	0.01	0.43	-	1.74	-0.17	-0.09	-	-2.90	0.24	-1.49	-	0.74	0.54	-0.38	1.12	-0.42	-0.91	0.03	-2.23	0.25	0.52	-0.11	0.76	0.67	0.87	1.49	1.45	1.15

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	572.19M	591.07M	705.01M	813.24M	877.04M	941.89M	899.27M	996.36M	1.05B	1.07B	1.20B	1.07B	-	988.22M	1.10B	1.25B	1.39B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	15.27M	-36.46M	84.31M	159.20M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	3.19M	3.26M	7.28M	11.27M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	12.08M	-39.72M	77.03M	147.94M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-2.95M	-10.02M	15.08M	29.75M
Net Income	-10.44M	47.51M	11.00K	40.21M	76.14M	59.14M	89.13M	49.90M	51.02M	27.65M	14.82M	-112.71M	-	15.03M	-29.70M	61.96M	118.19M
Diluted EPS	-0.39	1.80	0.00	1.58	2.98	2.32	3.53	1.93	1.99	1.08	0.58	-4.50	3.16	0.59	-1.18	2.39	-

Compounded Sales Growth

5 Years:	11.99%
1 Year:	11.60%

Compounded Profit Growth

5 Years:	98.85%
1 Year:	71.60%

Stock Price Performance

1 Year:	+58.23%
6 Months:	+19.73%
3 Months:	+14.08%
1 Month:	+11.30%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.01B	3.62B	3.69B	3.72B	3.86B	3.89B	4.05B	4.18B	2.82B	3.01B	3.07B	-	2.88B	3.14B	3.49B	3.84B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	109.58M	190.85M	180.06M	144.53M	107.47M	92.19M	66.72M	89.50M	89.19M	95.56M	64.45M	120.72M	87.95M	-	96.65M	102.05M	200.95M	156.33M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	536.68M	688.06M	681.63M	736.43M
Total Liabilities	-	-	2.29B	2.92B	2.97B	2.94B	3.04B	3.01B	3.11B	3.21B	1.93B	2.10B	2.24B	-	2.14B	2.41B	2.71B	2.90B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	45.00M	0	-	-	-	-	-	-	-	-	-	50.00M	50.00M	117.06M	146.20M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	50.00M	50.00M	117.06M	146.20M
Total Equity	641.74M	672.74M	716.42M	696.14M	729.18M	782.83M	817.41M	878.90M	941.88M	973.37M	888.38M	910.47M	825.15M	-	740.11M	733.75M	781.53M	941.17M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	25.21M	25.27M	25.38M	25.52M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	100.41M	71.22M	74.43M	172.08M	161.49M	151.29M	190.00M	214.38M	170.09M	110.10M	93.75M	41.44M	-	-1.25M	171.74M	340.30M	269.74M
Investing Cash Flow	-130.09M	-94.71M	-175.19M	-111.34M	-101.99M	-58.88M	-36.29M	-112.40M	-61.98M	-19.20M	4.50M	-92.87M	-	-19.17M	-149.89M	-292.49M	-325.96M
Financing Cash Flow	110.95M	12.70M	65.23M	-97.80M	-74.78M	-94.03M	-137.84M	-97.58M	-107.55M	-115.19M	-41.98M	18.66M	-	-15.03M	-16.45M	51.09M	11.60M
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-2.14M	-10.89M	-11.87M	-6.45M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	-3.39M	160.85M	328.43M	263.30M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-35.45M	5.40M	98.90M	-44.62M
Share Buybacks	1.54M	6.28M	12.43M	7.30M	1.64M	12.94M	2.42M	3.75M	29.78M	5.40M	11.70M	2.74M	2.01M	0	0	-	-
Dividends Paid	15.95M	15.77M	15.51M	15.27M	17.48M	19.68M	21.66M	24.59M	27.34M	105.41M	32.66M	28.53M	15.06M	15.86M	16.16M	16.21M	16.31M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	1.5%	-3.3%	6.7%	11.5%
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%	-	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%	-	2.0%	-4.0%	7.9%	12.6%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

17.48%

Institutions

68.70%

Public Float

83.26%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	13.44%	3.45M	$152.85M
2	Dimensional Fund Advisors LP	5.81%	1.49M	$66.05M
3	Vanguard Capital Management LLC	3.77%	966.30K	$42.84M
4	State Street Corporation	3.19%	817.50K	$36.24M
5	Geode Capital Management, LLC	2.58%	662.30K	$29.36M
6	Systematic Financial Management, L.P.	2.39%	612.40K	$27.15M
7	American Century Companies Inc	2.21%	567.08K	$25.14M
8	Vanguard Portfolio Management LLC	2.08%	532.70K	$23.61M
9	Bank of America Corporation	1.94%	497.42K	$22.05M
10	AQR Capital Management, LLC	1.65%	422.05K	$18.71M

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UFCS · Financial Services