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

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United Fire Group, Inc UFCS

United Fire Group, Inc UFCS

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