United Fire Group Statistics
Total Valuation
UFCS has a market cap or net worth of $901.42 million. The enterprise value is $813.81 million.
Important Dates
The last earnings date was Tuesday, November 4, 2025, after market close.
| Earnings Date | Nov 4, 2025 |
| Ex-Dividend Date | Aug 29, 2025 |
Share Statistics
UFCS has 25.51 million shares outstanding. The number of shares has increased by 1.98% in one year.
| Current Share Class | 25.51M |
| Shares Outstanding | 25.51M |
| Shares Change (YoY) | +1.98% |
| Shares Change (QoQ) | -0.09% |
| Owned by Insiders (%) | 13.39% |
| Owned by Institutions (%) | 68.40% |
| Float | 22.07M |
Valuation Ratios
The trailing PE ratio is 8.34 and the forward PE ratio is 11.62.
| PE Ratio | 8.34 |
| Forward PE | 11.62 |
| PS Ratio | 0.66 |
| Forward PS | 0.58 |
| PB Ratio | 1.00 |
| P/TBV Ratio | 1.01 |
| P/FCF Ratio | 3.03 |
| P/OCF Ratio | 2.94 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 5.08, with an EV/FCF ratio of 2.74.
| EV / Earnings | 7.31 |
| EV / Sales | 0.60 |
| EV / EBITDA | 5.08 |
| EV / EBIT | 5.43 |
| EV / FCF | 2.74 |
Financial Position
The company has a current ratio of 0.38, with a Debt / Equity ratio of 0.16.
| Current Ratio | 0.38 |
| Quick Ratio | 0.28 |
| Debt / Equity | 0.16 |
| Debt / EBITDA | 0.86 |
| Debt / FCF | 0.49 |
| Interest Coverage | 14.18 |
Financial Efficiency
Return on equity (ROE) is 13.21% and return on invested capital (ROIC) is 9.62%.
| Return on Equity (ROE) | 13.21% |
| Return on Assets (ROA) | 2.57% |
| Return on Invested Capital (ROIC) | 9.62% |
| Return on Capital Employed (ROCE) | 14.34% |
| Revenue Per Employee | $1.54M |
| Profits Per Employee | $126,886 |
| Employee Count | 877 |
| Asset Turnover | 0.37 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UFCS has paid $28.00 million in taxes.
| Income Tax | 28.00M |
| Effective Tax Rate | 20.10% |
Stock Price Statistics
The stock price has increased by +42.81% in the last 52 weeks. The beta is 0.49, so UFCS's price volatility has been lower than the market average.
| Beta (5Y) | 0.49 |
| 52-Week Price Change | +42.81% |
| 50-Day Moving Average | 31.17 |
| 200-Day Moving Average | 28.71 |
| Relative Strength Index (RSI) | 74.13 |
| Average Volume (20 Days) | 116,328 |
Short Selling Information
The latest short interest is 202,449, so 0.79% of the outstanding shares have been sold short.
| Short Interest | 202,449 |
| Short Previous Month | 209,410 |
| Short % of Shares Out | 0.79% |
| Short % of Float | 0.92% |
| Short Ratio (days to cover) | 1.73 |
Income Statement
In the last 12 months, UFCS had revenue of $1.35 billion and earned $111.28 million in profits. Earnings per share was $4.24.
| Revenue | 1.35B |
| Gross Profit | 149.84M |
| Operating Income | 149.84M |
| Pretax Income | 139.28M |
| Net Income | 111.28M |
| EBITDA | 160.18M |
| EBIT | 149.84M |
| Earnings Per Share (EPS) | $4.24 |
Full Income StatementBalance Sheet
The company has $233.74 million in cash and $146.13 million in debt, giving a net cash position of $87.61 million or $3.43 per share.
| Cash & Cash Equivalents | 233.74M |
| Total Debt | 146.13M |
| Net Cash | 87.61M |
| Net Cash Per Share | $3.43 |
| Equity (Book Value) | 898.71M |
| Book Value Per Share | 35.22 |
| Working Capital | -1.67B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $306.20 million and capital expenditures -$8.73 million, giving a free cash flow of $297.47 million.
| Operating Cash Flow | 306.20M |
| Capital Expenditures | -8.73M |
| Free Cash Flow | 297.47M |
| FCF Per Share | $11.66 |
Full Cash Flow StatementMargins
Gross margin is 11.07%, with operating and profit margins of 11.07% and 8.22%.
| Gross Margin | 11.07% |
| Operating Margin | 11.07% |
| Pretax Margin | 10.29% |
| Profit Margin | 8.22% |
| EBITDA Margin | 11.83% |
| EBIT Margin | 11.07% |
| FCF Margin | 21.97% |
Dividends & Yields
This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 1.81%.
| Dividend Per Share | $0.64 |
| Dividend Yield | 1.81% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 15.11% |
| Buyback Yield | -1.98% |
| Shareholder Yield | -0.17% |
| Earnings Yield | 12.34% |
| FCF Yield | 33.00% |
Dividend DetailsAnalyst Forecast
The average price target for UFCS is $30.50, which is -13.67% lower than the current price. The consensus rating is "Buy".
| Price Target | $30.50 |
| Price Target Difference | -13.67% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
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 | 5 |
