UNITED FIRE GROUP INC (UFCS) Stock Fundamental Analysis

NASDAQ:UFCS • US9103401082

39.33 USD
-0.27 (-0.68%)
At close: Feb 13, 2026
39.33 USD
0 (0%)
After Hours: 2/13/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to UFCS. UFCS was compared to 149 industry peers in the Insurance industry. There are concerns on the financial health of UFCS while its profitability can be described as average. UFCS is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year UFCS was profitable.
  • In the past year UFCS had a positive cash flow from operations.
  • In multiple years UFCS reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: UFCS reported negative operating cash flow in multiple years.
UFCS Yearly Net Income VS EBIT VS OCF VS FCFUFCS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M

1.2 Ratios

  • UFCS has a Return On Assets of 2.96%. This is in the better half of the industry: UFCS outperforms 64.43% of its industry peers.
  • UFCS has a Return On Equity of 12.38%. This is comparable to the rest of the industry: UFCS outperforms 57.05% of its industry peers.
  • UFCS has a better Return On Invested Capital (3.33%) than 62.42% of its industry peers.
Industry RankSector Rank
ROA 2.96%
ROE 12.38%
ROIC 3.33%
ROA(3y)0.45%
ROA(5y)0.07%
ROE(3y)1.97%
ROE(5y)0.28%
ROIC(3y)N/A
ROIC(5y)N/A
UFCS Yearly ROA, ROE, ROICUFCS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

  • UFCS has a Profit Margin of 8.22%. This is comparable to the rest of the industry: UFCS outperforms 52.35% of its industry peers.
  • UFCS's Profit Margin has improved in the last couple of years.
  • UFCS's Operating Margin of 11.07% is in line compared to the rest of the industry. UFCS outperforms 46.31% of its industry peers.
  • In the last couple of years the Operating Margin of UFCS has grown nicely.
Industry RankSector Rank
OM 11.07%
PM (TTM) 8.22%
GM N/A
OM growth 3Y-10.49%
OM growth 5Y36.75%
PM growth 3Y-13.2%
PM growth 5Y32.03%
GM growth 3YN/A
GM growth 5YN/A
UFCS Yearly Profit, Operating, Gross MarginsUFCS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UFCS is destroying value.
  • UFCS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
UFCS Yearly Shares OutstandingUFCS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
UFCS Yearly Total Debt VS Total AssetsUFCS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • UFCS has a debt to FCF ratio of 0.49. This is a very positive value and a sign of high solvency as it would only need 0.49 years to pay back of all of its debts.
  • UFCS has a Debt to FCF ratio of 0.49. This is amongst the best in the industry. UFCS outperforms 80.54% of its industry peers.
  • UFCS has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of UFCS (0.16) is better than 72.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.49
Altman-Z N/A
ROIC/WACC0.39
WACC8.54%
UFCS Yearly LT Debt VS Equity VS FCFUFCS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UFCS Yearly Current Assets VS Current LiabilitesUFCS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • UFCS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 80.39%, which is quite impressive.
  • UFCS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 62.10% yearly.
EPS 1Y (TTM)80.39%
EPS 3Y62.1%
EPS 5YN/A
EPS Q2Q%20%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.62%

3.2 Future

  • UFCS is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -10.04% yearly.
  • UFCS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.93% yearly.
EPS Next Y-19.62%
EPS Next 2Y-10.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.33%
Revenue Next 2Y10.93%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
UFCS Yearly Revenue VS EstimatesUFCS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
UFCS Yearly EPS VS EstimatesUFCS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • UFCS is valuated reasonably with a Price/Earnings ratio of 8.55.
  • Based on the Price/Earnings ratio, UFCS is valued a bit cheaper than the industry average as 70.47% of the companies are valued more expensively.
  • UFCS is valuated cheaply when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 10.64 indicates a reasonable valuation of UFCS.
  • The rest of the industry has a similar Price/Forward Earnings ratio as UFCS.
  • UFCS is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.55
Fwd PE 10.64
UFCS Price Earnings VS Forward Price EarningsUFCS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 74.50% of the companies in the same industry are more expensive than UFCS, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, UFCS is valued cheaper than 81.88% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.37
EV/EBITDA 5.71
UFCS Per share dataUFCS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • UFCS's earnings are expected to decrease with -10.04% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-10.04%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • UFCS has a Yearly Dividend Yield of 2.02%.
  • UFCS's Dividend Yield is comparable with the industry average which is at 2.59.
  • UFCS's Dividend Yield is comparable with the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 2.02%

5.2 History

  • The dividend of UFCS decreases each year by -13.28%.
  • UFCS has paid a dividend for at least 10 years, which is a reliable track record.
  • UFCS has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-13.28%
Div Incr Years0
Div Non Decr Years3
UFCS Yearly Dividends per shareUFCS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

  • 14.63% of the earnings are spent on dividend by UFCS. This is a low number and sustainable payout ratio.
  • UFCS's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP14.63%
EPS Next 2Y-10.04%
EPS Next 3YN/A
UFCS Yearly Income VS Free CF VS DividendUFCS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M
UFCS Dividend Payout.UFCS Dividend Payout, showing the Payout Ratio.UFCS Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

UNITED FIRE GROUP INC

NASDAQ:UFCS (2/13/2026, 8:00:01 PM)

After market: 39.33 0 (0%)

39.33

-0.27 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-04
Inst Owners67.73%
Inst Owner Change-0.74%
Ins Owners17.98%
Ins Owner Change-0.09%
Market Cap1.00B
Revenue(TTM)N/A
Net Income(TTM)111.28M
Analysts80
Price Target38.25 (-2.75%)
Short Float %1.03%
Short Ratio1.84
Dividend
Industry RankSector Rank
Dividend Yield 2.02%
Yearly Dividend0.64
Dividend Growth(5Y)-13.28%
DP14.63%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)88.26%
Min EPS beat(2)63.4%
Max EPS beat(2)113.13%
EPS beat(4)4
Avg EPS beat(4)61.52%
Min EPS beat(4)7.23%
Max EPS beat(4)113.13%
EPS beat(8)7
Avg EPS beat(8)-131.93%
EPS beat(12)8
Avg EPS beat(12)310.62%
EPS beat(16)11
Avg EPS beat(16)250.91%
Revenue beat(2)0
Avg Revenue beat(2)-2.39%
Min Revenue beat(2)-2.69%
Max Revenue beat(2)-2.08%
Revenue beat(4)0
Avg Revenue beat(4)-2.09%
Min Revenue beat(4)-3.44%
Max Revenue beat(4)-0.16%
Revenue beat(8)3
Avg Revenue beat(8)-0.39%
Revenue beat(12)5
Avg Revenue beat(12)0.1%
Revenue beat(16)5
Avg Revenue beat(16)-1.93%
PT rev (1m)2.74%
PT rev (3m)17.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.56%
EPS NY rev (1m)0%
EPS NY rev (3m)29.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.99%
Valuation
Industry RankSector Rank
PE 8.55
Fwd PE 10.64
P/S 0.74
P/FCF 3.37
P/OCF 3.28
P/B 1.12
P/tB 1.12
EV/EBITDA 5.71
EPS(TTM)4.6
EY11.7%
EPS(NY)3.7
Fwd EY9.4%
FCF(TTM)11.66
FCFY29.66%
OCF(TTM)12.01
OCFY30.53%
SpS53.07
BVpS35.23
TBVpS35.1
PEG (NY)N/A
PEG (5Y)N/A
Graham Number60.38
Profitability
Industry RankSector Rank
ROA 2.96%
ROE 12.38%
ROCE 4.14%
ROIC 3.33%
ROICexc 3.56%
ROICexgc 4.05%
OM 11.07%
PM (TTM) 8.22%
GM N/A
FCFM 21.98%
ROA(3y)0.45%
ROA(5y)0.07%
ROE(3y)1.97%
ROE(5y)0.28%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-7.23%
ROICexgc growth 5Y36.77%
ROICexc growth 3Y-9.08%
ROICexc growth 5Y34.39%
OM growth 3Y-10.49%
OM growth 5Y36.75%
PM growth 3Y-13.2%
PM growth 5Y32.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.49
Debt/EBITDA 0.91
Cap/Depr 83.94%
Cap/Sales 0.64%
Interest Coverage 14.33
Cash Conversion 191.12%
Profit Quality 267.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.54%
ROIC/WACC0.39
Cap/Depr(3y)79.91%
Cap/Depr(5y)146.79%
Cap/Sales(3y)0.72%
Cap/Sales(5y)1.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)80.39%
EPS 3Y62.1%
EPS 5YN/A
EPS Q2Q%20%
EPS Next Y-19.62%
EPS Next 2Y-10.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.62%
Revenue Next Year3.33%
Revenue Next 2Y10.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y122.69%
EBIT growth 3Y-5.53%
EBIT growth 5Y37.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y74.4%
FCF growth 3Y174.38%
FCF growth 5Y39.85%
OCF growth 1Y72.06%
OCF growth 3Y124.94%
OCF growth 5Y29.4%

UNITED FIRE GROUP INC / UFCS FAQ

What is the fundamental rating for UFCS stock?

ChartMill assigns a fundamental rating of 4 / 10 to UFCS.


Can you provide the valuation status for UNITED FIRE GROUP INC?

ChartMill assigns a valuation rating of 6 / 10 to UNITED FIRE GROUP INC (UFCS). This can be considered as Fairly Valued.


What is the profitability of UFCS stock?

UNITED FIRE GROUP INC (UFCS) has a profitability rating of 4 / 10.


What is the valuation of UNITED FIRE GROUP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for UNITED FIRE GROUP INC (UFCS) is 8.55 and the Price/Book (PB) ratio is 1.12.


What is the expected EPS growth for UNITED FIRE GROUP INC (UFCS) stock?

The Earnings per Share (EPS) of UNITED FIRE GROUP INC (UFCS) is expected to decline by -19.62% in the next year.