UNITED FIRE GROUP INC (UFCS) Fundamental Analysis & Valuation

NASDAQ:UFCS • US9103401082

Current stock price

36.51 USD
-0.73 (-1.96%)
At close:
36.51 USD
0 (0%)
After Hours:

This UFCS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. UFCS Profitability Analysis

1.1 Basic Checks

  • In the past year UFCS was profitable.
  • UFCS had a positive operating cash flow in the past year.
  • Of the past 5 years UFCS 4 years were profitable.
  • UFCS had a positive operating cash flow in 4 of the past 5 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 2025 0 100M -100M 200M 300M

1.2 Ratios

  • UFCS has a Return On Assets of 3.08%. This is in the better half of the industry: UFCS outperforms 62.16% of its industry peers.
  • The Return On Equity of UFCS (12.56%) is better than 62.16% of its industry peers.
  • The Return On Invested Capital of UFCS (3.48%) is better than 60.14% of its industry peers.
Industry RankSector Rank
ROA 3.08%
ROE 12.56%
ROIC 3.48%
ROA(3y)1.3%
ROA(5y)1.42%
ROE(3y)5.48%
ROE(5y)5.53%
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 2025 0 5 -5 10 -10

1.3 Margins

  • UFCS has a Profit Margin of 8.52%. This is comparable to the rest of the industry: UFCS outperforms 52.70% of its industry peers.
  • In the last couple of years the Profit Margin of UFCS has grown nicely.
  • UFCS has a Operating Margin (11.48%) which is in line with its industry peers.
  • UFCS's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 11.48%
PM (TTM) 8.52%
GM N/A
OM growth 3Y94.5%
OM growth 5YN/A
PM growth 3Y77.28%
PM growth 5YN/A
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 2025 0 5 -5 10 -10

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. UFCS Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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
  • The debt/assets ratio for UFCS is higher compared to a year ago.
UFCS Yearly Shares OutstandingUFCS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B

2.2 Solvency

  • UFCS has a debt to FCF ratio of 0.56. This is a very positive value and a sign of high solvency as it would only need 0.56 years to pay back of all of its debts.
  • The Debt to FCF ratio of UFCS (0.56) is better than 77.03% of its industry peers.
  • A Debt/Equity ratio of 0.16 indicates that UFCS is not too dependend on debt financing.
  • UFCS has a better Debt to Equity ratio (0.16) than 71.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.56
Altman-Z N/A
ROIC/WACC0.39
WACC8.81%
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 2025 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 2025 50M 100M 150M

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

6

3. UFCS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 80.39% over the past year.
  • Measured over the past years, UFCS shows a very strong growth in Earnings Per Share. The EPS has been growing by 62.10% on average per year.
  • Looking at the last year, UFCS shows a quite strong growth in Revenue. The Revenue has grown by 10.62% in the last year.
  • UFCS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.35% yearly.
EPS 1Y (TTM)80.39%
EPS 3Y62.1%
EPS 5YN/A
EPS Q2Q%20%
Revenue 1Y (TTM)10.62%
Revenue growth 3Y12.25%
Revenue growth 5Y5.35%
Sales Q2Q%9.62%

3.2 Future

  • The Earnings Per Share is expected to decrease by -9.42% on average over the next years.
  • Based on estimates for the next years, UFCS will show a quite strong growth in Revenue. The Revenue will grow by 10.53% on average per year.
EPS Next Y-18.51%
EPS Next 2Y-9.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.32%
Revenue Next 2Y10.53%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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5

4. UFCS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.94, the valuation of UFCS can be described as very cheap.
  • 67.57% of the companies in the same industry are more expensive than UFCS, based on the Price/Earnings ratio.
  • UFCS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.88.
  • A Price/Forward Earnings ratio of 9.74 indicates a reasonable valuation of UFCS.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UFCS is on the same level as its industry peers.
  • UFCS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.94
Fwd PE 9.74
UFCS Price Earnings VS Forward Price EarningsUFCS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • 73.65% of the companies in the same industry are more expensive than UFCS, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UFCS indicates a somewhat cheap valuation: UFCS is cheaper than 73.65% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.54
EV/EBITDA 5.53
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

  • A cheap valuation may be justified as UFCS's earnings are expected to decrease with -9.42% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-9.42%
EPS Next 3YN/A

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

4

5. UFCS Dividend Analysis

5.1 Amount

  • UFCS has a Yearly Dividend Yield of 2.15%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.60, UFCS has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, UFCS has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.15%

5.2 History

  • The dividend of UFCS decreases each year by -10.85%.
  • UFCS has been paying a dividend for at least 10 years, so it has a reliable track record.
  • UFCS has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-10.85%
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 2026 1 2 3 4

5.3 Sustainability

  • UFCS pays out 13.80% of its income as dividend. This is a sustainable payout ratio.
  • UFCS's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP13.8%
EPS Next 2Y-9.42%
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 2025 0 100M -100M 200M 300M
UFCS Dividend Payout.UFCS Dividend Payout, showing the Payout Ratio.UFCS Dividend Payout.PayoutRetained Earnings

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UFCS Fundamentals: All Metrics, Ratios and Statistics

UNITED FIRE GROUP INC

NASDAQ:UFCS (3/27/2026, 8:00:01 PM)

After market: 36.51 0 (0%)

36.51

-0.73 (-1.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-04
Inst Owners67.82%
Inst Owner Change1.2%
Ins Owners17.94%
Ins Owner Change3.89%
Market Cap931.74M
Revenue(TTM)1.39B
Net Income(TTM)118.19M
Analysts80
Price Target41.31 (13.15%)
Short Float %1.22%
Short Ratio2.15
Dividend
Industry RankSector Rank
Dividend Yield 2.15%
Yearly Dividend0.64
Dividend Growth(5Y)-10.85%
DP13.8%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-24
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)87.81%
Min EPS beat(2)62.5%
Max EPS beat(2)113.13%
EPS beat(4)4
Avg EPS beat(4)61.56%
Min EPS beat(4)7.23%
Max EPS beat(4)113.13%
EPS beat(8)7
Avg EPS beat(8)-125.97%
EPS beat(12)9
Avg EPS beat(12)321.51%
EPS beat(16)11
Avg EPS beat(16)236.01%
Revenue beat(2)1
Avg Revenue beat(2)2.92%
Min Revenue beat(2)-2.08%
Max Revenue beat(2)7.91%
Revenue beat(4)1
Avg Revenue beat(4)-0.07%
Min Revenue beat(4)-3.44%
Max Revenue beat(4)7.91%
Revenue beat(8)3
Avg Revenue beat(8)0.46%
Revenue beat(12)5
Avg Revenue beat(12)0.1%
Revenue beat(16)6
Avg Revenue beat(16)-1.08%
PT rev (1m)5.33%
PT rev (3m)8.22%
EPS NQ rev (1m)-14.87%
EPS NQ rev (3m)-14.87%
EPS NY rev (1m)1.38%
EPS NY rev (3m)1.38%
Revenue NQ rev (1m)6.54%
Revenue NQ rev (3m)6.54%
Revenue NY rev (1m)8.7%
Revenue NY rev (3m)8.7%
Valuation
Industry RankSector Rank
PE 7.94
Fwd PE 9.74
P/S 0.67
P/FCF 3.54
P/OCF 3.45
P/B 0.99
P/tB 0.99
EV/EBITDA 5.53
EPS(TTM)4.6
EY12.6%
EPS(NY)3.75
Fwd EY10.27%
FCF(TTM)10.32
FCFY28.26%
OCF(TTM)10.57
OCFY28.95%
SpS54.33
BVpS36.88
TBVpS36.75
PEG (NY)N/A
PEG (5Y)N/A
Graham Number61.78
Profitability
Industry RankSector Rank
ROA 3.08%
ROE 12.56%
ROCE 4.34%
ROIC 3.48%
ROICexc 3.63%
ROICexgc 4.12%
OM 11.48%
PM (TTM) 8.52%
GM N/A
FCFM 18.99%
ROA(3y)1.3%
ROA(5y)1.42%
ROE(3y)5.48%
ROE(5y)5.53%
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 3Y100.19%
ROICexgc growth 5YN/A
ROICexc growth 3Y99.05%
ROICexc growth 5YN/A
OM growth 3Y94.5%
OM growth 5YN/A
PM growth 3Y77.28%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.56
Debt/EBITDA 0.86
Cap/Depr 59.85%
Cap/Sales 0.46%
Interest Coverage 14.13
Cash Conversion 158.7%
Profit Quality 222.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.81%
ROIC/WACC0.39
Cap/Depr(3y)90.77%
Cap/Depr(5y)102.34%
Cap/Sales(3y)0.8%
Cap/Sales(5y)0.79%
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-18.51%
EPS Next 2Y-9.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.62%
Revenue growth 3Y12.25%
Revenue growth 5Y5.35%
Sales Q2Q%9.62%
Revenue Next Year12.32%
Revenue Next 2Y10.53%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y88.82%
EBIT growth 3Y118.32%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-19.83%
FCF growth 3YN/A
FCF growth 5Y63.55%
OCF growth 1Y-20.73%
OCF growth 3YN/A
OCF growth 5Y45.48%

UNITED FIRE GROUP INC / UFCS Fundamental Analysis FAQ

What is the fundamental rating for UFCS stock?

ChartMill assigns a fundamental rating of 5 / 10 to UFCS.


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

ChartMill assigns a valuation rating of 5 / 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 5 / 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 7.94 and the Price/Book (PB) ratio is 0.99.


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 -18.51% in the next year.