United Fire Group, Inc UFCS
53.33
(0.10)
(0.19%)
as of 25 Sep
- Market cap
- $1.4B
- P/E
- 9.9×
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
25.41 | 22.89 | 52.01 | 79.51 | 0.00 | 7.29 | 47.55 | 0.00 | 11.95 | 8.11 |
P/S ratio |
1.25 | 1.08 | 1.30 | 0.92 | 0.59 | 0.55 | 0.71 | 0.47 | 0.57 | 0.67 |
P/FCF ratio |
6.04 | 7.44 | 18.00 | 17.93 | 27.83 | 36.50 | 0.00 | 3.21 | 2.19 | 3.52 |
P/Operating CF |
14.47 | 21.15 | 33.91 | 29.25 | 11.57 | 49.61 | 24.31 | 23.19 | 4.61 | 7.73 |
P/B ratio |
1.33 | 1.17 | 1.56 | 1.21 | 0.76 | 0.66 | 0.94 | 0.70 | 0.92 | 0.98 |
Price to Tangible BV |
1.36 | 1.20 | 1.60 | 1.24 | 0.77 | 0.67 | 0.94 | 0.71 | 0.93 | 0.99 |
EV/Sales |
1.16 | 0.99 | 1.24 | 0.82 | 0.55 | 0.47 | 0.66 | 0.42 | 0.51 | 0.66 |
EV/EBITDA |
18.25 | 51.53 | 0.00 | 35.15 | 0.00 | 4.83 | 32.78 | 0.00 | 6.68 | 5.39 |
EV/Operating CF |
5.41 | 6.13 | 12.01 | 10.52 | 14.24 | 16.71 | (517.42) | 2.70 | 1.87 | 3.39 |
EV/FCF |
5.61 | 6.81 | 17.16 | 16.09 | 26.15 | 31.35 | (191.05) | 2.88 | 1.94 | 3.48 |
Quick Ratio |
0.28 | 0.27 | 0.25 | 0.27 | 0.29 | 0.30 | 0.32 | 0.34 | 0.35 | 0.32 |
Current Ratio |
0.28 | 0.27 | 0.25 | 0.27 | 0.29 | 0.30 | 0.32 | 0.34 | 0.35 | 0.32 |
Net Debt/EBITDA |
(1.40) | (4.73) | 16.21 | (4.02) | 0.23 | (0.79) | (2.36) | 2.01 | (0.88) | (0.06) |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.27% | 1.63% | 1.66% | 1.73% | 1.59% | 3.36% | 3.81% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.01 | 0.06 | 0.06 | 0.07 | 0.07 | 0.15 | 0.16 |
Asset Turnover |
0.25 | 0.26 | 0.31 | 0.41 | 0.35 | 0.35 | 0.33 | 0.36 | 0.38 | 0.38 |
Operating CF/Net income |
4.30 | 3.33 | 3.98 | 6.33 | (0.37) | 0.37 | (0.08) | (5.78) | 5.49 | 2.28 |
Capex/Depreciation |
(1.26) | (3.75) | (6.39) | (2.90) | (2.83) | (2.13) | (0.28) | (1.04) | (1.09) | (0.60) |
Interest Coverage |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 5.48% | 5.33% | 2.97% | 1.65% | (12.99%) | 9.46% | 1.86% | (4.03%) | 8.18% | 13.72% | |
| 1.26% | 1.24% | 0.79% | 0.51% | (3.71%) | 2.65% | 0.51% | (0.99%) | 1.87% | 3.23% | |
ROIC |
4.21% | 1.11% | (0.69%) | 1.32% | (13.46%) | 7.59% | 1.09% | (3.34%) | 7.55% | 10.69% |
Return on Tangible Assets |
(4.20%) | (3.94%) | (2.06%) | (1.06%) | 8.01% | (6.15%) | (1.16%) | 2.10% | (3.98%) | (6.84%) |
Average Days of Receivables |
140.38 | 137.90 | 144.34 | 136.50 | 185.82 | 163.28 | 211.53 | 236.41 | 202.64 | 194.02 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
20.36% | 19.73% | 19.27% | 18.04% | 19.67% | 19.08% | 21.74% | 22.36% | 22.45% | 22.74% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.37% | 0.46% | 0.49% | 0.51% | 0.47% | 0.32% | 0.29% | 0.30% | 0.44% | 0.65% |
Graham Net Nets |
(2.11) | (2.39) | (1.04) | (1.39) | (2.57) | (2.62) | (2.13) | (3.10) | (2.51) | (2.17) |
Graham Number |
40.28 | 41.56 | 29.19 | 21.17 | 0.00 | 50.07 | 19.59 | 0.00 | 40.66 | 61.03 |
Earnings Yield |
3.94% | 4.37% | 1.92% | 1.26% | (17.97%) | 13.71% | 2.10% | (5.78%) | 8.37% | 12.32% |
Free Cash Flow Yield |
16.56% | 13.44% | 5.56% | 5.58% | 3.59% | 2.74% | (0.49%) | 31.20% | 45.59% | 28.44% |
Revenue per Share |
39.33 | 41.94 | 42.80 | 47.78 | 42.70 | 42.49 | 38.96 | 43.39 | 49.50 | 54.43 |
Operating CF per Share |
8.46 | 6.78 | 4.40 | 3.73 | 1.66 | 1.19 | (0.05) | 6.80 | 13.44 | 10.59 |
Capex per Share |
(0.30) | (0.68) | (1.32) | (1.29) | (0.75) | (0.56) | (0.08) | (0.43) | (0.47) | (0.25) |
Free Cash Flow per Share |
8.16 | 6.09 | 3.08 | 2.44 | 0.90 | 0.64 | (0.13) | 6.37 | 12.97 | 10.34 |
Cash per Share |
3.52 | 3.81 | 2.58 | 4.80 | 3.51 | 5.26 | 3.84 | 4.04 | 7.94 | 6.14 |
Shareholders Equity per Share |
37.18 | 38.77 | 35.53 | 36.22 | 32.97 | 35.04 | 29.42 | 29.06 | 30.87 | 36.95 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
37.18 | 38.77 | 35.53 | 36.22 | 32.97 | 35.04 | 29.42 | 29.06 | 30.87 | 36.95 |
Free Cash Flow |
206.78 | 152.94 | 77.05 | 61.33 | 22.57 | 15.94 | (3.39) | 160.85 | 328.43 | 263.30 |
Working Capital |
(1,242.41) | (1,363.67) | (1,440.67) | (1,512.50) | (1,537.63) | (1,447.78) | (1,427.42) | (1,548.88) | (1,693.12) | (1,860.13) |
Capital Expenditures |
(7.60) | (17.16) | (33.05) | (32.43) | (18.86) | (13.98) | (2.14) | (10.89) | (11.87) | (6.45) |
Net Current Asset Value |
(2,640.49) | (2,716.76) | (1,440.67) | (1,533.09) | (1,612.55) | (1,524.53) | (1,477.42) | (1,598.88) | (1,810.18) | (2,006.33) |
EV/EBIT |
20.17 | 66.59 | 0.00 | 58.45 | 0.00 | 5.16 | 53.60 | 0.00 | 7.55 | 5.75 |
Capex to Sales |
0.01 | 0.02 | 0.03 | 0.03 | 0.02 | 0.01 | 0.00 | 0.01 | 0.01 | 0.00 |
Net Profit Margin |
5.01% | 4.85% | 2.58% | 1.23% | (10.55%) | 7.56% | 1.53% | (2.71%) | 4.94% | 8.52% |
Price to Operating Income |
21.72 | 72.70 | 0.00 | 65.13 | 0.00 | 6.01 | 57.46 | 0.00 | 8.54 | 5.82 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.11 | 0.07 | 0.05 | 0.10 | 0.05 | 0.05 | 0.06 | 0.08 | 0.08 | 0.08 |
Cash ROIC |
15.41% | 9.46% | 1.35% | (2.24%) | (9.18%) | (10.16%) | (15.15%) | 4.23% | 18.58% | 11.02% |
Accounts Receivable Turnover |
2.72 | 2.70 | 2.61 | 2.75 | 2.15 | 2.09 | 1.88 | 1.71 | 1.78 | 1.94 |
Accounts Payable Turnover |
0.34 | 0.51 | 0.50 | 0.52 | 0.51 | 0.38 | 0.38 | 0.43 | 0.39 | 0.36 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
777.49 | 743.60 | 754.76 | 726.88 | 736.26 | 931.18 | 953.02 | 900.48 | 994.37 | 1,034.71 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
366.62 | 390.47 | 410.47 | 436.19 | 496.61 | 510.50 | 522.53 | 638.81 | 702.67 | 716.39 |
Average Payables |
2,179.50 | 1,628.64 | 1,747.49 | 1,866.16 | 1,984.95 | 1,998.49 | 1,962.83 | 2,079.90 | 2,303.18 | 2,501.63 |
Average Assets |
3,972.57 | 4,119.09 | 3,500.06 | 2,915.09 | 3,041.58 | 3,041.20 | 2,947.50 | 3,013.24 | 3,316.33 | 3,664.63 |
Average Common Equity |
910.39 | 957.63 | 930.87 | 899.42 | 867.81 | 852.13 | 809.62 | 736.93 | 757.64 | 861.35 |
Columns are period end dates