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.
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 |