United Fire Group Statistics

Total Valuation

UFCS has a market cap or net worth of $645.46 million. The enterprise value is $444.51 million.

Market Cap	645.46M
Enterprise Value	444.51M

Important Dates

The last earnings date was Tuesday, February 11, 2025, after market close.

Earnings Date	Feb 11, 2025
Ex-Dividend Date	Nov 29, 2024

Share Statistics

UFCS has 25.34 million shares outstanding. The number of shares has increased by 2.67% in one year.

Current Share Class	25.34M
Shares Outstanding	25.34M
Shares Change (YoY)	+2.67%
Shares Change (QoQ)	+0.28%
Owned by Insiders (%)	15.67%
Owned by Institutions (%)	66.63%
Float	21.36M

Valuation Ratios

The trailing PE ratio is 10.66 and the forward PE ratio is 10.52.

PE Ratio	10.66
Forward PE	10.52
PS Ratio	0.53
Forward PS	0.46
PB Ratio	0.83
P/TBV Ratio	0.83
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	7.17
EV / Sales	0.35
EV / EBITDA	4.66
EV / EBIT	5.27
EV / FCF	n/a

Financial Position

The company has a current ratio of 0.11

Current Ratio	0.11
Quick Ratio	0.11
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	11.58

Financial Efficiency

Return on equity (ROE) is 8.18% and return on invested capital (ROIC) is 6.61%.

Return on Equity (ROE)	8.18%
Return on Assets (ROA)	1.59%
Return on Invested Capital (ROIC)	6.61%
Return on Capital Employed (ROCE)	4.98%
Revenue Per Employee	$1.47M
Profits Per Employee	$72,719
Employee Count	852
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 +7.11% in the last 52 weeks. The beta is 0.54, so UFCS's price volatility has been lower than the market average.

Beta (5Y)	0.54
52-Week Price Change	+7.11%
50-Day Moving Average	27.21
200-Day Moving Average	23.32
Relative Strength Index (RSI)	44.81
Average Volume (20 Days)	156,612

Short Selling Information

The latest short interest is 256,810, so 1.01% of the outstanding shares have been sold short.

Short Interest	256,810
Short Previous Month	251,506
Short % of Shares Out	1.01%
Short % of Float	1.20%
Short Ratio (days to cover)	1.87

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	86.42M
Operating Income	84.32M
Pretax Income	45.02M
Net Income	61.96M
EBITDA	95.40M
EBIT	84.32M
Earnings Per Share (EPS)	$2.39

Full Income Statement

Balance Sheet

Cash & Cash Equivalents	200.95M
Total Debt	n/a
Net Cash	200.95M
Net Cash Per Share	$7.93
Equity (Book Value)	781.53M
Book Value Per Share	30.80
Working Capital	-1.60B

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross margin is 6.90%, with operating and profit margins of 6.73% and 4.94%.

Gross Margin	6.90%
Operating Margin	6.73%
Pretax Margin	6.15%
Profit Margin	4.94%
EBITDA Margin	7.61%
EBIT Margin	6.73%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 2.51%.

Dividend Per Share	$0.64
Dividend Yield	2.51%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	26.78%
Buyback Yield	-2.67%
Shareholder Yield	-0.16%
Earnings Yield	9.60%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for UFCS is $28.00, which is 9.93% higher than the current price. The consensus rating is "Hold".

Price Target	$28.00
Price Target Difference	9.93%
Analyst Consensus	Hold
Analyst Count	1
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	3