United Fire Group, Inc. (UFCS)
NASDAQ: UFCS · Real-Time Price · USD
29.66
-0.06 (-0.20%)
At close: Mar 28, 2025, 4:00 PM
28.25
-1.41 (-4.77%)
After-hours: Mar 28, 2025, 7:59 PM EDT

United Fire Group Statistics

Total Valuation

UFCS has a market cap or net worth of $752.81 million. The enterprise value is $690.79 million.

Market Cap 752.81M
Enterprise Value 690.79M

Important Dates

The next estimated earnings date is Tuesday, May 6, 2025, after market close.

Earnings Date May 6, 2025
Ex-Dividend Date Mar 7, 2025

Share Statistics

UFCS has 25.38 million shares outstanding. The number of shares has increased by 2.65% in one year.

Current Share Class 25.38M
Shares Outstanding 25.38M
Shares Change (YoY) +2.65%
Shares Change (QoQ) +0.40%
Owned by Insiders (%) 15.70%
Owned by Institutions (%) 66.66%
Float 21.39M

Valuation Ratios

The trailing PE ratio is 12.41 and the forward PE ratio is 11.89.

PE Ratio 12.41
Forward PE 11.89
PS Ratio 0.60
Forward PS 0.53
PB Ratio 0.96
P/TBV Ratio 0.97
P/FCF Ratio 2.29
P/OCF Ratio 2.21
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.25, with an EV/FCF ratio of 2.10.

EV / Earnings 11.15
EV / Sales 0.55
EV / EBITDA 7.25
EV / EBIT 8.19
EV / FCF 2.10

Financial Position

The company has a current ratio of 0.71, with a Debt / Equity ratio of 0.18.

Current Ratio 0.71
Quick Ratio 0.50
Debt / Equity 0.18
Debt / EBITDA 1.33
Debt / FCF 0.42
Interest Coverage 11.58

Financial Efficiency

Return on equity (ROE) is 8.18% and return on invested capital (ROIC) is 6.08%.

Return on Equity (ROE) 8.18%
Return on Assets (ROA) 1.59%
Return on Invested Capital (ROIC) 6.08%
Return on Capital Employed (ROCE) 3.93%
Revenue Per Employee $1.43M
Profits Per Employee $70,647
Employee Count 877
Asset Turnover 0.38
Inventory Turnover n/a

Taxes

In the past 12 months, UFCS has paid $15.08 million in taxes.

Income Tax 15.08M
Effective Tax Rate 19.57%

Stock Price Statistics

The stock price has increased by +35.74% in the last 52 weeks. The beta is 0.46, so UFCS's price volatility has been lower than the market average.

Beta (5Y) 0.46
52-Week Price Change +35.74%
50-Day Moving Average 27.00
200-Day Moving Average 24.02
Relative Strength Index (RSI) 65.12
Average Volume (20 Days) 120,875

Short Selling Information

The latest short interest is 273,937, so 1.08% of the outstanding shares have been sold short.

Short Interest 273,937
Short Previous Month 256,810
Short % of Shares Out 1.08%
Short % of Float 1.28%
Short Ratio (days to cover) 1.53

Income Statement

In the last 12 months, UFCS had revenue of $1.25 billion and earned $61.96 million in profits. Earnings per share was $2.39.

Revenue 1.25B
Gross Profit 84.32M
Operating Income 84.32M
Pretax Income 45.02M
Net Income 61.96M
EBITDA 95.22M
EBIT 84.32M
Earnings Per Share (EPS) $2.39
Full Income Statement

Balance Sheet

The company has $201.05 million in cash and $138.93 million in debt, giving a net cash position of $62.02 million or $2.44 per share.

Cash & Cash Equivalents 201.05M
Total Debt 138.93M
Net Cash 62.02M
Net Cash Per Share $2.44
Equity (Book Value) 781.53M
Book Value Per Share 30.80
Working Capital -386.65M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $340.30 million and capital expenditures -$11.87 million, giving a free cash flow of $328.43 million.

Operating Cash Flow 340.30M
Capital Expenditures -11.87M
Free Cash Flow 328.43M
FCF Per Share $12.94
Full Cash Flow Statement

Margins

Gross margin is 6.73%, with operating and profit margins of 6.73% and 4.94%.

Gross Margin 6.73%
Operating Margin 6.73%
Pretax Margin 6.15%
Profit Margin 4.94%
EBITDA Margin 7.60%
EBIT Margin 6.73%
FCF Margin 26.21%

Dividends & Yields

This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 2.16%.

Dividend Per Share $0.64
Dividend Yield 2.16%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 26.78%
Buyback Yield -2.65%
Shareholder Yield -0.49%
Earnings Yield 8.23%
FCF Yield 43.63%
Dividend Details

Analyst Forecast

The average price target for UFCS is $30.00, which is 1.15% higher than the current price. The consensus rating is "Buy".

Price Target $30.00
Price Target Difference 1.15%
Analyst Consensus Buy
Analyst Count 2
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Stock Splits

The last stock split was on December 16, 2004. It was a forward split with a ratio of 2:1.

Last Split Date Dec 16, 2004
Split Type Forward
Split Ratio 2:1

Scores

Altman Z-Score n/a
Piotroski F-Score 6