36.16 USD
-0.18 (-0.5%)
36.16 USD
0 (0%)
Overall UFCS gets a fundamental rating of 5 out of 10. We evaluated UFCS against 148 industry peers in the Insurance industry. UFCS has a medium profitability rating, but doesn't score so well on its financial health evaluation. UFCS has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
UFCS had positive earnings in the past year.
UFCS had a positive operating cash flow in the past year.
In multiple years UFCS reported negative net income over the last 5 years.
Of the past 5 years UFCS 4 years had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 2.96%, UFCS is doing good in the industry, outperforming 61.49% of the companies in the same industry.
With a Return On Equity value of 12.38%, UFCS perfoms like the industry average, outperforming 54.05% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.33%, UFCS is in the better half of the industry, outperforming 62.16% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of UFCS (8.22%) is comparable to the rest of the industry.
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 45.95% of its industry peers.
In the last couple of years the Operating Margin of UFCS has grown nicely.
| Industry Rank | Sector 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
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 more shares outstanding than it did 1 year ago.
Compared to 5 years ago, UFCS has more shares outstanding
Compared to 1 year ago, UFCS has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of UFCS is 0.49, which is an excellent value as it means it would take UFCS, only 0.49 years of fcf income to pay off all of its debts.
UFCS's Debt to FCF ratio of 0.49 is fine compared to the rest of the industry. UFCS outperforms 79.73% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that UFCS is not too dependend on debt financing.
UFCS has a Debt to Equity ratio of 0.16. This is in the better half of the industry: UFCS outperforms 71.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 0.49 | ||
| Altman-Z | N/A |
ROIC/WACC0.39
WACC8.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UFCS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 123.08%, which is quite impressive.
The Earnings Per Share has been growing by 32.74% on average over the past years. This is a very strong growth
The Revenue has grown by 12.12% in the past year. This is quite good.
The Revenue has been growing slightly by 0.85% on average over the past years.
EPS 1Y (TTM)123.08%
EPS 3Y14.47%
EPS 5Y32.74%
EPS Q2Q%85.19%
Revenue 1Y (TTM)12.12%
Revenue growth 3Y5.54%
Revenue growth 5Y0.85%
Sales Q2Q%9.62%
3.2 Future
The Earnings Per Share is expected to grow by 11.87% on average over the next years. This is quite good.
UFCS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.56% yearly.
EPS Next Y21.2%
EPS Next 2Y11.36%
EPS Next 3Y11.87%
EPS Next 5YN/A
Revenue Next Year10.6%
Revenue Next 2Y12.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
UFCS is valuated reasonably with a Price/Earnings ratio of 8.31.
UFCS's Price/Earnings ratio is a bit cheaper when compared to the industry. UFCS is cheaper than 70.27% of the companies in the same industry.
UFCS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.37.
With a Price/Forward Earnings ratio of 11.44, the valuation of UFCS can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as UFCS.
UFCS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.20.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.31 | ||
| Fwd PE | 11.44 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UFCS is valued a bit cheaper than the industry average as 76.35% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UFCS indicates a rather cheap valuation: UFCS is cheaper than 81.08% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.1 | ||
| EV/EBITDA | 5.21 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.39
PEG (5Y)0.25
EPS Next 2Y11.36%
EPS Next 3Y11.87%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.72%, UFCS has a reasonable but not impressive dividend return.
UFCS's Dividend Yield is comparable with the industry average which is at 3.32.
Compared to the average S&P500 Dividend Yield of 2.32, UFCS is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
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
5.3 Sustainability
UFCS pays out 14.63% of its income as dividend. This is a sustainable payout ratio.
DP14.63%
EPS Next 2Y11.36%
EPS Next 3Y11.87%
36.16
-0.18 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners67.03%
Inst Owner Change1.85%
Ins Owners17.97%
Ins Owner Change-0.11%
Market Cap922.44M
Revenue(TTM)1.35B
Net Income(TTM)111.28M
Analysts80
Price Target37.23 (2.96%)
Short Float %1.06%
Short Ratio1.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
Yearly Dividend0.64
Dividend Growth(5Y)-13.28%
DP14.63%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)14.06%
PT rev (3m)14.06%
EPS NQ rev (1m)-6.96%
EPS NQ rev (3m)83.75%
EPS NY rev (1m)0%
EPS NY rev (3m)2.02%
Revenue NQ rev (1m)-7.55%
Revenue NQ rev (3m)-7.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.31 | ||
| Fwd PE | 11.44 | ||
| P/S | 0.68 | ||
| P/FCF | 3.1 | ||
| P/OCF | 3.01 | ||
| P/B | 1.03 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | 5.21 |
EPS(TTM)4.35
EY12.03%
EPS(NY)3.16
Fwd EY8.74%
FCF(TTM)11.66
FCFY32.25%
OCF(TTM)12.01
OCFY33.2%
SpS53.07
BVpS35.23
TBVpS35.1
PEG (NY)0.39
PEG (5Y)0.25
Graham Number58.72
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.58%
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)123.08%
EPS 3Y14.47%
EPS 5Y32.74%
EPS Q2Q%85.19%
EPS Next Y21.2%
EPS Next 2Y11.36%
EPS Next 3Y11.87%
EPS Next 5YN/A
Revenue 1Y (TTM)12.12%
Revenue growth 3Y5.54%
Revenue growth 5Y0.85%
Sales Q2Q%9.62%
Revenue Next Year10.6%
Revenue Next 2Y12.56%
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 5 / 10 to UFCS.
What is the valuation status of UNITED FIRE GROUP INC (UFCS) stock?
ChartMill assigns a valuation rating of 7 / 10 to UNITED FIRE GROUP INC (UFCS). This can be considered as Undervalued.
What is the profitability of UFCS stock?
UNITED FIRE GROUP INC (UFCS) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for UFCS stock?
The Earnings per Share (EPS) of UNITED FIRE GROUP INC (UFCS) is expected to grow by 21.2% in the next year.
Can you provide the dividend sustainability for UFCS stock?
The dividend rating of UNITED FIRE GROUP INC (UFCS) is 4 / 10 and the dividend payout ratio is 14.63%.