United Fire Group, Inc UFCS
- Market cap
- $1.4B
- P/E
- 9.9×
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Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 35.16 | 38.98 | 38.95 | 40.86 | 18.83 | 19.85 | 22.96 | 18.41 | 18.04 | 24.11 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
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| 50.75 | 49.93 | 61.56 | 56.21 | 47.52 | 36.40 | 37.26 | 32.54 | 31.70 | 37.91 |
High Price
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| 1,112 | 1,180 | 1,183 | 1,185 | 1,165 | 1,086 | 1,091 | 852 | 877 | 846 |
Employees
|
|||
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
Revenue/Emp
|
|||
| 996 | 1,053 | 1,070 | 1,201 | 1,069 | 1,066 | 980 | 1,095 | 1,253 | 1,386 |
Revenue
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|||
| 26.13% | 21.22% | 18.42% | 19.45% | 5.22% | 28.16% | 22.97% | 19.04% | 29.18% | 34.23% |
Gross Margin
|
|||
| 57 | 16 | (9) | 17 | (170) | 97 | 12 | (40) | 77 | 148 |
EBT
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| 5.77% | 1.49% | (0.86%) | 1.41% | (15.86%) | 9.08% | 1.23% | (3.63%) | 6.15% | 10.67% |
EBT Margin
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| 50 | 51 | 28 | 15 | (113) | 81 | 15 | (30) | 62 | 118 |
Net Income
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| 6 | 5 | 5 | 11 | 7 | 7 | 8 | 11 | 11 | 11 |
Depreciation
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| 39.33 | 41.94 | 42.80 | 47.78 | 42.70 | 42.49 | 38.96 | 43.39 | 49.50 | 54.43 |
Revenue/Sh
|
|||
| 1.93 | 1.99 | 1.08 | 0.58 | (4.50) | 3.16 | 0.59 | (1.18) | 2.39 | 4.48 |
Earnings/Sh
|
|||
| 8.46 | 6.78 | 4.40 | 3.73 | 1.66 | 1.19 | (0.05) | 6.80 | 13.44 | 10.59 |
Cash Flow/Sh
|
|||
| (0.30) | (0.68) | (1.32) | (1.29) | (0.75) | (0.56) | (0.08) | (0.43) | (0.47) | (0.25) |
Capex/Sh
|
|||
| 8.16 | 6.09 | 3.08 | 2.44 | 0.90 | 0.64 | (0.13) | 6.37 | 12.97 | 10.34 |
Free CF/Sh
|
|||
| 37.18 | 38.77 | 35.53 | 36.22 | 32.97 | 35.04 | 29.42 | 29.06 | 30.87 | 36.95 |
Book Value/Sh
|
|||
| 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 |
Shares
|
|||
| 25.41 | 22.89 | 52.01 | 79.51 | 0.00 | 7.29 | 47.55 | 0.00 | 11.95 | 8.11 |
PE Ratio
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|||
| 1.25 | 1.08 | 1.30 | 0.92 | 0.59 | 0.55 | 0.71 | 0.47 | 0.57 | 0.67 |
PS Ratio
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| 1.33 | 1.17 | 1.56 | 1.21 | 0.76 | 0.66 | 0.94 | 0.70 | 0.92 | 0.98 |
PB Ratio
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| 1.16 | 0.99 | 1.24 | 0.82 | 0.55 | 0.47 | 0.66 | 0.42 | 0.51 | 0.66 |
EV/Sales
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| 5.61 | 6.81 | 17.16 | 16.09 | 26.15 | 31.35 | (191.05) | 2.88 | 1.94 | 3.48 |
EV/FCF
|
|||
| 214 | 170 | 110 | 94 | 41 | 30 | (1) | 172 | 340 | 270 |
Op' Cash Flow
|
|||
| (8) | (17) | (33) | (32) | (19) | (14) | (2) | (11) | (12) | (6) |
Capex
|
|||
| 207 | 153 | 77 | 61 | 23 | 16 | (3) | 161 | 328 | 263 |
FCF
|
|||
| (1,242) | (1,364) | (1,441) | (1,513) | (1,538) | (1,448) | (1,427) | (1,549) | (1,693) | (1,860) |
Working Cap'
|
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| — | — | — | 8 | 50 | 50 | 50 | 50 | 117 | 146 |
Total Debt
|
|||
| (89) | (96) | (64) | (113) | (38) | (82) | (47) | (52) | (84) | (10) |
Net Debt
|
|||
| 942 | 973 | 888 | 910 | 825 | 879 | 740 | 734 | 782 | 941 |
Sh' Equity
|
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| 1.26% | 1.24% | 0.79% | 0.51% | (3.71%) | 2.65% | 0.51% | (0.99%) | 1.87% | 3.23% |
ROA
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| 4.21% | 1.11% | (0.69%) | 1.32% | (13.46%) | 7.59% | 1.09% | (3.34%) | 7.55% | 10.69% |
ROIC
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| 5.48% | 5.33% | 2.97% | 1.65% | (12.99%) | 9.46% | 1.86% | (4.03%) | 8.18% | 13.72% |
ROE
|
|||
United Fire Group, Inc peers in Insurance Property & Casualty
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| ASIC Ategrity Specialty Insurance Company Holdings | $1.3B | 12.3× | Compare |
| KMPR Kemper Corporation | $1.5B | 0.0× | Compare |
| SAFT Safety Insurance Group, Inc. | $1.5B | 22.3× | Compare |
| UVE UNIVERSAL INSURANCE HOLDINGS INC | $1.2B | 5.4× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| BOW Bowhead Specialty Holdings Inc. | $1.1B | 18.3× | Compare |
| STC Stewart Information Services Corporation | $1.8B | 13.0× | Compare |
| HMN Horace Mann Educators Corporation | $1.9B | 10.5× | Compare |
| PRCH Porch Group, Inc. | $1.9B | 0.0× | Compare |
United Fire Group, Inc (UFCS) key facts
- United Fire Group, Inc (UFCS) is an Insurance Property & Casualty company in the Financial sector, listed on Nasdaq.
- United Fire Group, Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 10.6% from fiscal 2024.
- Net income was $118.2 million, or $4.48 per share (basic), a net margin of 8.52%.
- As of September 25, 2026, UFCS traded at $53.33, a market capitalization of $1.4 billion.
- At that price the stock trades at 9.9× trailing-twelve-month earnings and 0.9× sales.
- United Fire Group, Inc pays an annual dividend of $0.64 per share, a yield of 2.93%, with a payout ratio of 30.1%.
- Return on equity was 13.7% and debt-to-equity 0.15.
United Fire Group, Inc (UFCS) Latest News
10 Aug
United Fire Group (UFCS) released its Q2 2026 earnings call transcript covering financial results, operational updates and management commentary. Earnings call transcripts disclose quarterly results and guidance that directly move stock price and investor positioning.
6 Aug
United Fire Group (UFCS) stock fair value boosted after Q2 earnings beat and reduced catastrophe losses. Q2 beat with lower losses prompts fair value boost with moderate effect on performance.
5 Aug
United Fire Group posted a Q2 underwriting beat and revenue increase that could alter the bull case for the insurer. Q2 underwriting beat and revenue jump directly improve near-term financial results and can shift investor views on UFCS trajectory.
4 Aug
United Fire Group Inc posted record net income in its Q2 2026 earnings call, achieving the strongest results in company history. Record net income directly boosts financial performance and investor sentiment for United Fire Group.
United Fire Group Q2 earnings call highlighted quarterly financial results, operational metrics, and forward guidance. Quarterly earnings and guidance typically influence near-term stock sentiment without altering long-term trajectory.
United Fire Group, Inc. held its Q2 2026 earnings call covering financial results, operational metrics, and forward guidance for the insurance business. Quarterly earnings updates typically deliver moderate influence on near-term stock movement and investor sentiment without major strategic shifts.
United Fire Group reported second quarter 2026 earnings, leading to questions on whether UFCS stock trades at fair value. Quarterly earnings directly affect UFCS financial outlook and near-term valuation perceptions.
3 Aug
United Fire Group beat Q2 earnings and revenue estimates. Q2 earnings and revenue beat provides positive short-term boost to UFCS stock and sentiment without altering long-term fundamentals.
United Fire Group, Inc. reported its second quarter 2026 financial results. Quarterly earnings release discloses performance metrics that can shift near-term investor sentiment and valuation.
27 Jul
Analysts forecast United Fire Group (UFCS) will report lower earnings, flagging items to watch ahead of the release. Forecast earnings decline for United Fire Group is likely to weigh on near-term stock price and sentiment.
7 May
United Fire Group, Inc. (UFCS) released Q1 earnings call highlights detailing financial results, strategic updates, and outlook. Q1 earnings highlights cover financial performance and future guidance, significantly impacting UFCS trajectory and investor sentiment.
5 May
United Fire Group, Inc. (UFCS) reported first-quarter earnings and revenue that exceeded analyst estimates. Surpassing Q1 earnings and revenue estimates positively affects financial performance and investor sentiment but remains limited to quarterly results.
United Fire Group, Inc. (UFCS) reported first quarter 2026 results. Quarterly earnings reports affect financial performance and stock sentiment but lack transformative details.
14 Feb
United Fire Group (UFCS) achieved record 2025 results and raised its dividend by 25%, prompting a valuation assessment. Record 2025 results and 25% dividend increase indicate strong financial performance, likely driving significant positive shifts in investor sentiment and stock valuation.
United Fire Group, Inc. (UFCS) shares rose 6.2% following the release of strong Q4 earnings and an announced dividend hike. The company's financial performance exceeded expectations, contributing to positive market sentiment and investor confidence. The dividend increase reflects the company's commitment to returning value to shareholders, further enhancing its appeal in the insurance sector. Strong Q4 earnings and a dividend hike are significant indicators of financial health and investor confidence.
13 Feb
United Fire Group, Inc. (UFCS) is being evaluated for its potential as a value investment. Analysts are considering its financial metrics, market position, and recent performance trends. The company's stock may appeal to value investors looking for opportunities in the insurance sector, particularly given its current valuation relative to earnings and assets. Investors are advised to weigh the risks and rewards before making decisions. Current financial metrics and market conditions suggest a moderate influence on the company's future performance.
United Fire Group, Inc (UFCS) has reached a new high in its stock price, prompting discussions about its future potential for growth. Analysts are evaluating whether the upward trend can continue, considering market conditions and the company's performance metrics. Investors are keenly observing UFCS's strategic moves and overall market sentiment to gauge if there is still room for further gains. The stock's recent performance indicates a moderately noticeable influence on investor sentiment and market positioning.
11 Feb
United Fire Group, Inc. (UFCS) reported record profits in Q4 2025, driven by strategic growth initiatives and improved operational efficiency. The company's earnings call highlighted significant advancements in their business model, positioning them favorably in the competitive landscape. Management expressed optimism about future growth prospects and ongoing investments in technology and customer service enhancements. Record profits and strategic growth initiatives are likely to significantly impact future performance and investor sentiment.
United Fire Group, Inc. reported its Q4 2025 earnings, highlighting a significant increase in net income compared to the previous year. The company attributed this growth to improved underwriting results and a reduction in claims. Additionally, United Fire announced plans for strategic investments aimed at enhancing operational efficiency and expanding its market presence. The management expressed optimism about future performance, citing favorable market conditions and a strong balance sheet. Strategic investments and improved financial performance are likely to significantly impact the company's future trajectory.
United Fire Group, Inc. reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The company experienced fluctuations in revenue and net income, influenced by market conditions and operational adjustments. Management provided insights into future growth strategies and risk management efforts, emphasizing a commitment to enhancing shareholder value. The call also addressed challenges faced during the quarter and outlined plans to navigate the evolving insurance landscape. Moderate influence on financial performance and strategic direction is expected due to the outlined initiatives and market challenges.
10 Feb
United Fire Group, Inc. (UFCS) reported Q4 earnings and revenues that exceeded analysts' estimates, showcasing strong financial performance. The company attributed its success to effective underwriting and improved investment income. This positive outcome reflects a robust operational strategy and positions UFCS favorably in the competitive insurance market. Strong earnings performance and improved investment income indicate significant positive momentum for the company's future.
United Fire Group, Inc. reported its Q4 earnings, revealing a net income of $5.2 million, or $0.20 per share, compared to a loss of $1.3 million, or $0.05 per share, in the same quarter last year. The company's total revenue increased to $118.5 million, driven by higher premiums and improved investment income. The combined ratio improved to 98.5%, reflecting better underwriting performance. The company also announced a dividend of $0.06 per share, signaling confidence in its financial stability. Overall, the results indicate a positive turnaround for United Fire, positioning it favorably for future growth. The earnings report shows improved financial performance, which may influence investor sentiment and operational aspects.
United Fire Group, Inc. reported its fourth quarter and full year 2025 financial results, highlighting key metrics such as revenue, net income, and earnings per share. The company experienced fluctuations in performance compared to previous periods, with management providing insights into operational challenges and strategic initiatives aimed at improving future outcomes. The results reflect ongoing efforts to adapt to market conditions and enhance shareholder value. Financial results indicate moderate fluctuations that may influence future performance but are balanced by strategic initiatives.
30 Jan
United Fire Group, Inc. (UFCS) is highlighted as a promising small-cap stock in the U.S. market, showcasing its potential for growth and investment opportunities. The article emphasizes UFCS's strong fundamentals, strategic initiatives, and favorable market conditions that could enhance its performance. Investors are encouraged to consider UFCS as a valuable addition to their portfolios, given its competitive positioning and growth prospects in the insurance sector. UFCS's growth potential and strategic initiatives may moderately influence its financial performance and market positioning.
26 Jan
United Fire Group, Inc. reported its fourth quarter 2025 earnings, highlighting key financial metrics and performance indicators. The company discussed revenue growth, net income, and operational efficiencies achieved during the quarter. Management provided insights into future strategies and market conditions affecting the insurance sector. The earnings call included a Q&A session addressing investor concerns and expectations. The earnings report indicates moderate financial performance that may influence investor sentiment and operational strategies.
5 Jan
United Fire Group, Inc (NASDAQ:UFCS) has delivered a favorable return of 33% to its investors over the past year, reflecting positive market performance and investor sentiment towards the company. This growth is indicative of the company's strong operational strategies and market positioning, contributing to enhanced shareholder value. The 33% return suggests a moderately noticeable influence on investor sentiment and financial performance.
30 Dec
Options traders are showing increased interest in United Fire Group, Inc. (UFCS) stock, as evidenced by a surge in options volume. This uptick suggests that traders are anticipating a significant price movement in the near future, potentially influenced by upcoming earnings reports or market conditions. The heightened activity in options could indicate a divergence in market sentiment regarding the company's performance and outlook. Increased options trading activity may signal changing market sentiment and potential volatility for UFCS stock.
29 Dec
United Fire Group, Inc. (UFCS) is currently perceived as undervalued by investors, with analysts suggesting that the company's stock price does not reflect its underlying fundamentals. Factors contributing to this assessment include strong financial performance, a solid balance sheet, and potential for growth in the insurance sector. Market sentiment may be influenced by broader economic conditions, but the company's strategic initiatives and operational efficiency position it favorably for future performance. Strong financial performance and growth potential indicate significant impact on future market positioning.
23 Dec
United Fire Group, Inc (UFCS) has reached a 52-week high, prompting discussions about the sustainability of this upward trend. Analysts are evaluating the factors contributing to this performance, including market conditions and company strategies. Investors are keen to understand whether this momentum can be maintained in the coming months. The recent stock performance indicates a moderately noticeable influence on investor sentiment and market positioning.
15 Dec
United Fire Group, Inc (UFCS) is highlighted as a promising small-cap stock in the US market, showcasing its potential for growth and investment opportunities. The article emphasizes the company's strong fundamentals, strategic initiatives, and favorable market conditions that could lead to significant returns for investors. UFCS's performance metrics and market positioning are discussed, indicating its resilience and capacity for expansion in a competitive landscape. UFCS's strong fundamentals and strategic initiatives suggest a moderately noticeable influence on its future performance.