UNITED FIRE GROUP INC (UFCS)

US9103401082 - Common Stock

23.05  -0.48 (-2.04%)

After market: 23.05 0 (0%)

Fundamental Rating

3

Overall UFCS gets a fundamental rating of 3 out of 10. We evaluated UFCS against 140 industry peers in the Insurance industry. The financial health of UFCS is average, but there are quite some concerns on its profitability. UFCS has a decent growth rate and is not valued too expensively.



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1

1. Profitability

1.1 Basic Checks

UFCS had negative earnings in the past year.
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.
UFCS had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.52%, UFCS is doing worse than 79.86% of the companies in the same industry.
Looking at the Return On Equity, with a value of -2.29%, UFCS is doing worse than 75.54% of the companies in the same industry.
Industry RankSector Rank
ROA -0.52%
ROE -2.29%
ROIC N/A
ROA(3y)0.75%
ROA(5y)-0.19%
ROE(3y)2.38%
ROE(5y)-0.98%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for UFCS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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4

2. Health

2.1 Basic Checks

UFCS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, UFCS has more shares outstanding
Compared to 5 years ago, UFCS has more shares outstanding
UFCS has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of UFCS is 0.25, which is an excellent value as it means it would take UFCS, only 0.25 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UFCS (0.25) is better than 92.09% of its industry peers.
UFCS has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
UFCS has a better Debt to Equity ratio (0.07) than 87.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.25
Altman-Z N/A
ROIC/WACCN/A
WACC8.75%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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4

3. Growth

3.1 Past

UFCS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -2600.00%.
UFCS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.17%.
Measured over the past years, UFCS shows a small growth in Revenue. The Revenue has been growing by 0.47% on average per year.
EPS 1Y (TTM)-2600%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q600%
Revenue 1Y (TTM)12.17%
Revenue growth 3Y0.83%
Revenue growth 5Y0.47%
Revenue growth Q2Q11.15%

3.2 Future

The Earnings Per Share is expected to grow by 82.96% on average over the next years. This is a very strong growth
UFCS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.92% yearly.
EPS Next Y199.51%
EPS Next 2Y82.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.88%
Revenue Next 2Y1.92%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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.

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for UFCS. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 13.91 indicates a correct valuation of UFCS.
UFCS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. UFCS is more expensive than 62.59% of the companies in the same industry.
UFCS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.15.
Industry RankSector Rank
PE N/A
Fwd PE 13.91

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, UFCS is valued cheaper than 85.61% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.86
EV/EBITDA N/A

4.3 Compensation for Growth

UFCS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
UFCS's earnings are expected to grow with 82.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y82.96%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.71%, UFCS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.26, UFCS pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, UFCS has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.71%

5.2 History

The dividend of UFCS decreases each year by -31.40%.
UFCS has been paying a dividend for at least 10 years, so it has a reliable track record.
UFCS has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-31.4%
Div Incr Years2
Div Non Decr Years2

5.3 Sustainability

UFCS has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-95.97%
EPS Next 2Y82.96%
EPS Next 3YN/A

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UNITED FIRE GROUP INC

NASDAQ:UFCS (5/20/2024, 7:06:16 PM)

After market: 23.05 0 (0%)

23.05

-0.48 (-2.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap582.93M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.71%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 13.91
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.52%
ROE -2.29%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-2600%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y199.51%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)12.17%
Revenue growth 3Y0.83%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y