United Fire Group, Inc UFCS
53.33
(0.10)
(0.19%)
as of 25 Sep
- Market cap
- $1.4B
- P/E
- 9.9×
Follow UFCS
Growth Flags
show if company had growth for consecutive years,
Insider Buys
alert about insiders buying in the last 12 month
| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
8.11 | 11.95 | 0.00 | 47.55 | 7.29 | 0.00 | 79.51 | 52.01 | 22.89 | 25.41 |
P/S ratio |
0.67 | 0.57 | 0.47 | 0.71 | 0.55 | 0.59 | 0.92 | 1.30 | 1.08 | 1.25 |
P/FCF ratio |
3.52 | 2.19 | 3.21 | 0.00 | 36.50 | 27.83 | 17.93 | 18.00 | 7.44 | 6.04 |
P/Operating CF |
7.73 | 4.61 | 23.19 | 24.31 | 49.61 | 11.57 | 29.25 | 33.91 | 21.15 | 14.47 |
P/B ratio |
0.98 | 0.92 | 0.70 | 0.94 | 0.66 | 0.76 | 1.21 | 1.56 | 1.17 | 1.33 |
Price to Tangible BV |
0.99 | 0.93 | 0.71 | 0.94 | 0.67 | 0.77 | 1.24 | 1.60 | 1.20 | 1.36 |
EV/Sales |
0.66 | 0.51 | 0.42 | 0.66 | 0.47 | 0.55 | 0.82 | 1.24 | 0.99 | 1.16 |
EV/EBITDA |
5.39 | 6.68 | 0.00 | 32.78 | 4.83 | 0.00 | 35.15 | 0.00 | 51.53 | 18.25 |
EV/Operating CF |
3.39 | 1.87 | 2.70 | (517.42) | 16.71 | 14.24 | 10.52 | 12.01 | 6.13 | 5.41 |
EV/FCF |
3.48 | 1.94 | 2.88 | (191.05) | 31.35 | 26.15 | 16.09 | 17.16 | 6.81 | 5.61 |
Quick Ratio |
0.32 | 0.35 | 0.34 | 0.32 | 0.30 | 0.29 | 0.27 | 0.25 | 0.27 | 0.28 |
Current Ratio |
0.32 | 0.35 | 0.34 | 0.32 | 0.30 | 0.29 | 0.27 | 0.25 | 0.27 | 0.28 |
Net Debt/EBITDA |
(0.06) | (0.88) | 2.01 | (2.36) | (0.79) | 0.23 | (4.02) | 16.21 | (4.73) | (1.40) |
Debt/Assets |
3.81% | 3.36% | 1.59% | 1.73% | 1.66% | 1.63% | 0.27% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.16 | 0.15 | 0.07 | 0.07 | 0.06 | 0.06 | 0.01 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.38 | 0.38 | 0.36 | 0.33 | 0.35 | 0.35 | 0.41 | 0.31 | 0.26 | 0.25 |
Operating CF/Net income |
2.28 | 5.49 | (5.78) | (0.08) | 0.37 | (0.37) | 6.33 | 3.98 | 3.33 | 4.30 |
Capex/Depreciation |
(0.60) | (1.09) | (1.04) | (0.28) | (2.13) | (2.83) | (2.90) | (6.39) | (3.75) | (1.26) |
Interest Coverage |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 13.72% | 8.18% | (4.03%) | 1.86% | 9.46% | (12.99%) | 1.65% | 2.97% | 5.33% | 5.48% | |
| 3.23% | 1.87% | (0.99%) | 0.51% | 2.65% | (3.71%) | 0.51% | 0.79% | 1.24% | 1.26% | |
ROIC |
10.69% | 7.55% | (3.34%) | 1.09% | 7.59% | (13.46%) | 1.32% | (0.69%) | 1.11% | 4.21% |
Return on Tangible Assets |
(6.84%) | (3.98%) | 2.10% | (1.16%) | (6.15%) | 8.01% | (1.06%) | (2.06%) | (3.94%) | (4.20%) |
Average Days of Receivables |
194.02 | 202.64 | 236.41 | 211.53 | 163.28 | 185.82 | 136.50 | 144.34 | 137.90 | 140.38 |
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 |
22.74% | 22.45% | 22.36% | 21.74% | 19.08% | 19.67% | 18.04% | 19.27% | 19.73% | 20.36% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.65% | 0.44% | 0.30% | 0.29% | 0.32% | 0.47% | 0.51% | 0.49% | 0.46% | 0.37% |
Graham Net Nets |
(2.17) | (2.51) | (3.10) | (2.13) | (2.62) | (2.57) | (1.39) | (1.04) | (2.39) | (2.11) |
Graham Number |
61.03 | 40.66 | 0.00 | 19.59 | 50.07 | 0.00 | 21.17 | 29.19 | 41.56 | 40.28 |
Earnings Yield |
12.32% | 8.37% | (5.78%) | 2.10% | 13.71% | (17.97%) | 1.26% | 1.92% | 4.37% | 3.94% |
Free Cash Flow Yield |
28.44% | 45.59% | 31.20% | (0.49%) | 2.74% | 3.59% | 5.58% | 5.56% | 13.44% | 16.56% |
Revenue per Share |
54.43 | 49.50 | 43.39 | 38.96 | 42.49 | 42.70 | 47.78 | 42.80 | 41.94 | 39.33 |
Operating CF per Share |
10.59 | 13.44 | 6.80 | (0.05) | 1.19 | 1.66 | 3.73 | 4.40 | 6.78 | 8.46 |
Capex per Share |
(0.25) | (0.47) | (0.43) | (0.08) | (0.56) | (0.75) | (1.29) | (1.32) | (0.68) | (0.30) |
Free Cash Flow per Share |
10.34 | 12.97 | 6.37 | (0.13) | 0.64 | 0.90 | 2.44 | 3.08 | 6.09 | 8.16 |
Cash per Share |
6.14 | 7.94 | 4.04 | 3.84 | 5.26 | 3.51 | 4.80 | 2.58 | 3.81 | 3.52 |
Shareholders Equity per Share |
36.95 | 30.87 | 29.06 | 29.42 | 35.04 | 32.97 | 36.22 | 35.53 | 38.77 | 37.18 |
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 |
36.95 | 30.87 | 29.06 | 29.42 | 35.04 | 32.97 | 36.22 | 35.53 | 38.77 | 37.18 |
Free Cash Flow |
263.30 | 328.43 | 160.85 | (3.39) | 15.94 | 22.57 | 61.33 | 77.05 | 152.94 | 206.78 |
Working Capital |
(1,860.13) | (1,693.12) | (1,548.88) | (1,427.42) | (1,447.78) | (1,537.63) | (1,512.50) | (1,440.67) | (1,363.67) | (1,242.41) |
Capital Expenditures |
(6.45) | (11.87) | (10.89) | (2.14) | (13.98) | (18.86) | (32.43) | (33.05) | (17.16) | (7.60) |
Net Current Asset Value |
(2,006.33) | (1,810.18) | (1,598.88) | (1,477.42) | (1,524.53) | (1,612.55) | (1,533.09) | (1,440.67) | (2,716.76) | (2,640.49) |
EV/EBIT |
5.75 | 7.55 | 0.00 | 53.60 | 5.16 | 0.00 | 58.45 | 0.00 | 66.59 | 20.17 |
Capex to Sales |
0.00 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 | 0.02 | 0.01 |
Net Profit Margin |
8.52% | 4.94% | (2.71%) | 1.53% | 7.56% | (10.55%) | 1.23% | 2.58% | 4.85% | 5.01% |
Price to Operating Income |
5.82 | 8.54 | 0.00 | 57.46 | 6.01 | 0.00 | 65.13 | 0.00 | 72.70 | 21.72 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.08 | 0.08 | 0.08 | 0.06 | 0.05 | 0.05 | 0.10 | 0.05 | 0.07 | 0.11 |
Cash ROIC |
11.02% | 18.58% | 4.23% | (15.15%) | (10.16%) | (9.18%) | (2.24%) | 1.35% | 9.46% | 15.41% |
Accounts Receivable Turnover |
1.94 | 1.78 | 1.71 | 1.88 | 2.09 | 2.15 | 2.75 | 2.61 | 2.70 | 2.72 |
Accounts Payable Turnover |
0.36 | 0.39 | 0.43 | 0.38 | 0.38 | 0.51 | 0.52 | 0.50 | 0.51 | 0.34 |
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 |
1,034.71 | 994.37 | 900.48 | 953.02 | 931.18 | 736.26 | 726.88 | 754.76 | 743.60 | 777.49 |
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 |
716.39 | 702.67 | 638.81 | 522.53 | 510.50 | 496.61 | 436.19 | 410.47 | 390.47 | 366.62 |
Average Payables |
2,501.63 | 2,303.18 | 2,079.90 | 1,962.83 | 1,998.49 | 1,984.95 | 1,866.16 | 1,747.49 | 1,628.64 | 2,179.50 |
Average Assets |
3,664.63 | 3,316.33 | 3,013.24 | 2,947.50 | 3,041.20 | 3,041.58 | 2,915.09 | 3,500.06 | 4,119.09 | 3,972.57 |
Average Common Equity |
861.35 | 757.64 | 736.93 | 809.62 | 852.13 | 867.81 | 899.42 | 930.87 | 957.63 | 910.39 |
Columns are period end dates