United Fire Group Statistics
Total Valuation
UFCS has a market cap or net worth of $958.35 million. The enterprise value is $961.38 million.
Important Dates
The next estimated earnings date is Tuesday, May 5, 2026, after market close.
| Earnings Date | May 5, 2026 |
| Ex-Dividend Date | Feb 24, 2026 |
Share Statistics
UFCS has 25.52 million shares outstanding. The number of shares has increased by 1.68% in one year.
| Current Share Class | 25.52M |
| Shares Outstanding | 25.52M |
| Shares Change (YoY) | +1.68% |
| Shares Change (QoQ) | +0.41% |
| Owned by Insiders (%) | 13.45% |
| Owned by Institutions (%) | 68.99% |
| Float | 22.07M |
Valuation Ratios
The trailing PE ratio is 8.38 and the forward PE ratio is 10.47.
| PE Ratio | 8.38 |
| Forward PE | 10.47 |
| PS Ratio | 0.69 |
| Forward PS | 0.66 |
| PB Ratio | 1.02 |
| P/TBV Ratio | 1.02 |
| P/FCF Ratio | 3.64 |
| P/OCF Ratio | 3.55 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 5.66, with an EV/FCF ratio of 3.65.
| EV / Earnings | 8.13 |
| EV / Sales | 0.69 |
| EV / EBITDA | 5.66 |
| EV / EBIT | 6.04 |
| EV / FCF | 3.65 |
Financial Position
The company has a current ratio of 0.68, with a Debt / Equity ratio of 0.17.
| Current Ratio | 0.68 |
| Quick Ratio | 0.47 |
| Debt / Equity | 0.17 |
| Debt / EBITDA | 0.89 |
| Debt / FCF | 0.61 |
| Interest Coverage | 14.13 |
Financial Efficiency
Return on equity (ROE) is 13.72% and return on invested capital (ROIC) is 11.86%.
| Return on Equity (ROE) | 13.72% |
| Return on Assets (ROA) | 2.72% |
| Return on Invested Capital (ROIC) | 11.86% |
| Return on Capital Employed (ROCE) | 6.48% |
| Weighted Average Cost of Capital (WACC) | 6.30% |
| Revenue Per Employee | $1.64M |
| Profits Per Employee | $139,706 |
| Employee Count | 846 |
| Asset Turnover | 0.38 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UFCS has paid $29.75 million in taxes.
| Income Tax | 29.75M |
| Effective Tax Rate | 20.11% |
Stock Price Statistics
The stock price has increased by +28.91% in the last 52 weeks. The beta is 0.39, so UFCS's price volatility has been lower than the market average.
| Beta (5Y) | 0.39 |
| 52-Week Price Change | +28.91% |
| 50-Day Moving Average | 36.92 |
| 200-Day Moving Average | 32.76 |
| Relative Strength Index (RSI) | 50.41 |
| Average Volume (20 Days) | 112,324 |
Short Selling Information
The latest short interest is 255,559, so 1.00% of the outstanding shares have been sold short.
| Short Interest | 255,559 |
| Short Previous Month | 339,116 |
| Short % of Shares Out | 1.00% |
| Short % of Float | 1.16% |
| Short Ratio (days to cover) | 1.81 |
Income Statement
In the last 12 months, UFCS had revenue of $1.39 billion and earned $118.19 million in profits. Earnings per share was $4.48.
| Revenue | 1.39B |
| Gross Profit | 159.20M |
| Operating Income | 159.20M |
| Pretax Income | 147.94M |
| Net Income | 118.19M |
| EBITDA | 169.97M |
| EBIT | 159.20M |
| Earnings Per Share (EPS) | $4.48 |
Full Income StatementBalance Sheet
The company has $156.33 million in cash and $159.36 million in debt, with a net cash position of -$3.02 million or -$0.12 per share.
| Cash & Cash Equivalents | 156.33M |
| Total Debt | 159.36M |
| Net Cash | -3.02M |
| Net Cash Per Share | -$0.12 |
| Equity (Book Value) | 941.17M |
| Book Value Per Share | 36.88 |
| Working Capital | -441.19M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $269.74 million and capital expenditures -$6.45 million, giving a free cash flow of $263.30 million.
| Operating Cash Flow | 269.74M |
| Capital Expenditures | -6.45M |
| Free Cash Flow | 263.30M |
| FCF Per Share | $10.32 |
Full Cash Flow StatementMargins
Gross margin is 11.48%, with operating and profit margins of 11.48% and 8.52%.
| Gross Margin | 11.48% |
| Operating Margin | 11.48% |
| Pretax Margin | 10.67% |
| Profit Margin | 8.52% |
| EBITDA Margin | 12.26% |
| EBIT Margin | 11.48% |
| FCF Margin | 18.99% |
Dividends & Yields
This stock pays an annual dividend of $0.80, which amounts to a dividend yield of 2.13%.
| Dividend Per Share | $0.80 |
| Dividend Yield | 2.13% |
| Dividend Growth (YoY) | 6.25% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 15.18% |
| Buyback Yield | -1.68% |
| Shareholder Yield | 0.45% |
| Earnings Yield | 12.33% |
| FCF Yield | 27.47% |
Dividend DetailsAnalyst Forecast
The average price target for UFCS is $40.50, which is 7.86% higher than the current price. The consensus rating is "Buy".
| Price Target | $40.50 |
| Price Target Difference | 7.86% |
| 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 | 6 |
