United Fire Group, Inc. (UFCS)

United Fire Group Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	1,002	927	721	508	689	582
Market Cap Growth	54.28%	28.64%	41.83%	-26.26%	18.36%	-7.29%
Enterprise Value	977	840	641	489	686	500
PE Ratio	8.76	7.85	11.64	-	45.87	7.23
PS Ratio	0.70	0.67	0.57	0.46	0.70	0.55
PB Ratio	1.05	0.99	0.92	0.69	0.93	0.66
P/FCF Ratio	3.70	3.52	2.19	3.16	-	36.54
P/OCF Ratio	3.61	3.44	2.12	2.96	-	19.47
EV/Sales Ratio	0.71	0.61	0.51	0.45	0.70	0.47
EV/EBITDA Ratio	5.75	4.94	6.73	-	29.93	4.69
EV/EBIT Ratio	6.14	5.28	7.60	-	44.96	5.00
EV/FCF Ratio	3.71	3.19	1.95	3.04	-	31.35
Debt / Equity Ratio	0.17	0.17	0.18	0.11	0.10	0.09
Debt / EBITDA Ratio	0.89	0.89	1.33	-	2.45	0.71
Debt / FCF Ratio	0.61	0.61	0.42	0.50	-	5.04
Net Debt / Equity Ratio	0.00	0.00	-0.08	-0.03	-0.03	-0.06
Net Debt / EBITDA Ratio	0.02	0.02	-0.65	0.86	-0.86	-0.48
Net Debt / FCF Ratio	0.01	0.01	-0.19	-0.14	5.82	-3.24
Quick Ratio	0.47	0.47	0.26	0.25	0.24	0.24
Current Ratio	0.68	0.68	0.37	0.37	0.33	0.31
Asset Turnover	0.38	0.38	0.38	0.36	0.33	0.35
Return on Equity (ROE)	13.72%	13.72%	8.18%	-4.03%	1.86%	9.46%
Return on Assets (ROA)	2.71%	2.71%	1.59%	-0.76%	0.32%	2.06%
Return on Invested Capital (ROIC)	11.86%	12.59%	7.82%	-4.47%	1.72%	8.98%
Earnings Yield	12.13%	12.74%	8.59%	-5.84%	2.18%	13.84%
FCF Yield	27.02%	28.39%	45.55%	31.64%	-0.49%	2.74%
Dividend Yield	2.04%	1.77%	2.31%	3.36%	2.50%	2.87%
Payout Ratio	15.18%	13.80%	26.17%	-	105.52%	18.69%
Buyback Yield / Dilution	-1.68%	-1.68%	-2.65%	0.27%	0.79%	-1.97%
Total Shareholder Return	0.38%	0.09%	-0.34%	3.63%	3.29%	0.90%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q