United Fire Group, Inc UFCS

Financial — Insurance Property & Casualty

53.33 (0.10) (0.19%) as of 25 Sep

Market cap: $1.4B
P/E: 9.9×

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Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	25.41	22.89	52.01	79.51	0.00	7.29	47.55	0.00	11.95	8.11
P/S ratio Full definition →	1.25	1.08	1.30	0.92	0.59	0.55	0.71	0.47	0.57	0.67
P/FCF ratio Full definition →	6.04	7.44	18.00	17.93	27.83	36.50	0.00	3.21	2.19	3.52
P/Operating CF Full definition →	14.47	21.15	33.91	29.25	11.57	49.61	24.31	23.19	4.61	7.73
P/B ratio Full definition →	1.33	1.17	1.56	1.21	0.76	0.66	0.94	0.70	0.92	0.98
Price to Tangible BV Full definition →	1.36	1.20	1.60	1.24	0.77	0.67	0.94	0.71	0.93	0.99
EV/Sales Full definition →	1.16	0.99	1.24	0.82	0.55	0.47	0.66	0.42	0.51	0.66
EV/EBITDA Full definition →	18.25	51.53	0.00	35.15	0.00	4.83	32.78	0.00	6.68	5.39
EV/Operating CF Full definition →	5.41	6.13	12.01	10.52	14.24	16.71	(517.42)	2.70	1.87	3.39
EV/FCF Full definition →	5.61	6.81	17.16	16.09	26.15	31.35	(191.05)	2.88	1.94	3.48
Quick Ratio Full definition →	0.28	0.27	0.25	0.27	0.29	0.30	0.32	0.34	0.35	0.32
Current Ratio Full definition →	0.28	0.27	0.25	0.27	0.29	0.30	0.32	0.34	0.35	0.32
Net Debt/EBITDA Full definition →	(1.40)	(4.73)	16.21	(4.02)	0.23	(0.79)	(2.36)	2.01	(0.88)	(0.06)
Debt/Assets Full definition →	0.00%	0.00%	0.00%	0.27%	1.63%	1.66%	1.73%	1.59%	3.36%	3.81%
Debt/Equity Full definition →	0.00	0.00	0.00	0.01	0.06	0.06	0.07	0.07	0.15	0.16
Asset Turnover Full definition →	0.25	0.26	0.31	0.41	0.35	0.35	0.33	0.36	0.38	0.38
Operating CF/Net income Full definition →	4.30	3.33	3.98	6.33	(0.37)	0.37	(0.08)	(5.78)	5.49	2.28
Capex/Depreciation Full definition →	(1.26)	(3.75)	(6.39)	(2.90)	(2.83)	(2.13)	(0.28)	(1.04)	(1.09)	(0.60)
Interest Coverage Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
ROE Full definition →	5.48%	5.33%	2.97%	1.65%	(12.99%)	9.46%	1.86%	(4.03%)	8.18%	13.72%
ROA Full definition →	1.26%	1.24%	0.79%	0.51%	(3.71%)	2.65%	0.51%	(0.99%)	1.87%	3.23%
ROIC Full definition →	4.21%	1.11%	(0.69%)	1.32%	(13.46%)	7.59%	1.09%	(3.34%)	7.55%	10.69%
Return on Tangible Assets Full definition →	(4.20%)	(3.94%)	(2.06%)	(1.06%)	8.01%	(6.15%)	(1.16%)	2.10%	(3.98%)	(6.84%)
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	0.37%	0.46%	0.49%	0.51%	0.47%	0.32%	0.29%	0.30%	0.44%	0.65%
Graham Net Nets Full definition →	(2.11)	(2.39)	(1.04)	(1.39)	(2.57)	(2.62)	(2.13)	(3.10)	(2.51)	(2.17)
Graham Number Full definition →	40.28	41.56	29.19	21.17	0.00	50.07	19.59	0.00	40.66	61.03
Earnings Yield Full definition →	3.94%	4.37%	1.92%	1.26%	(17.97%)	13.71%	2.10%	(5.78%)	8.37%	12.32%
Free Cash Flow Yield Full definition →	16.56%	13.44%	5.56%	5.58%	3.59%	2.74%	(0.49%)	31.20%	45.59%	28.44%
Revenue per Share Full definition →	39.33	41.94	42.80	47.78	42.70	42.49	38.96	43.39	49.50	54.43
Operating CF per Share Full definition →	8.46	6.78	4.40	3.73	1.66	1.19	(0.05)	6.80	13.44	10.59
Capex per Share Full definition →	(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 Full definition →	8.16	6.09	3.08	2.44	0.90	0.64	(0.13)	6.37	12.97	10.34
Cash per Share Full definition →	3.52	3.81	2.58	4.80	3.51	5.26	3.84	4.04	7.94	6.14
Shareholders Equity per Share Full definition →	37.18	38.77	35.53	36.22	32.97	35.04	29.42	29.06	30.87	36.95
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	37.18	38.77	35.53	36.22	32.97	35.04	29.42	29.06	30.87	36.95
Free Cash Flow Full definition →	206.78	152.94	77.05	61.33	22.57	15.94	(3.39)	160.85	328.43	263.30
Working Capital Full definition →	(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 Full definition →	(7.60)	(17.16)	(33.05)	(32.43)	(18.86)	(13.98)	(2.14)	(10.89)	(11.87)	(6.45)
Net Current Asset Value Full definition →	(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 Full definition →	20.17	66.59	0.00	58.45	0.00	5.16	53.60	0.00	7.55	5.75
Capex to Sales Full definition →	0.01	0.02	0.03	0.03	0.02	0.01	0.00	0.01	0.01	0.00
Net Profit Margin Full definition →	5.01%	4.85%	2.58%	1.23%	(10.55%)	7.56%	1.53%	(2.71%)	4.94%	8.52%
Price to Operating Income Full definition →	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 Full definition →	0.11	0.07	0.05	0.10	0.05	0.05	0.06	0.08	0.08	0.08
Cash ROIC Full definition →	15.41%	9.46%	1.35%	(2.24%)	(9.18%)	(10.16%)	(15.15%)	4.23%	18.58%	11.02%
Accounts Receivable Turnover Full definition →	2.72	2.70	2.61	2.75	2.15	2.09	1.88	1.71	1.78	1.94
Accounts Payable Turnover Full definition →	0.34	0.51	0.50	0.52	0.51	0.38	0.38	0.43	0.39	0.36
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	366.62	390.47	410.47	436.19	496.61	510.50	522.53	638.81	702.67	716.39
Average Payables Full definition →	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 Full definition →	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 Full definition →	910.39	957.63	930.87	899.42	867.81	852.13	809.62	736.93	757.64	861.35

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United Fire Group, Inc UFCS

United Fire Group, Inc UFCS

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