United Fire Group Statistics
Total Valuation
UFCS has a market cap or net worth of $697.55 million. The enterprise value is $635.53 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 25.39 million shares outstanding. The number of shares has increased by 2.65% in one year.
| Current Share Class | 25.39M |
| Shares Outstanding | 25.39M |
| Shares Change (YoY) | +2.65% |
| Shares Change (QoQ) | +0.40% |
| Owned by Insiders (%) | 17.15% |
| Owned by Institutions (%) | 65.99% |
| Float | 21.03M |
Valuation Ratios
The trailing PE ratio is 11.49 and the forward PE ratio is 11.01.
| PE Ratio | 11.49 |
| Forward PE | 11.01 |
| PS Ratio | 0.55 |
| Forward PS | 0.49 |
| PB Ratio | 0.89 |
| P/TBV Ratio | 0.90 |
| P/FCF Ratio | 2.12 |
| P/OCF Ratio | 2.05 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 6.67, with an EV/FCF ratio of 1.94.
| EV / Earnings | 10.26 |
| EV / Sales | 0.51 |
| EV / EBITDA | 6.67 |
| EV / EBIT | 7.54 |
| EV / FCF | 1.94 |
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 +20.96% in the last 52 weeks. The beta is 0.33, so UFCS's price volatility has been lower than the market average.
| Beta (5Y) | 0.33 |
| 52-Week Price Change | +20.96% |
| 50-Day Moving Average | 27.73 |
| 200-Day Moving Average | 24.63 |
| Relative Strength Index (RSI) | 49.29 |
| Average Volume (20 Days) | 106,044 |
Short Selling Information
The latest short interest is 221,488, so 0.87% of the outstanding shares have been sold short.
| Short Interest | 221,488 |
| Short Previous Month | 223,256 |
| Short % of Shares Out | 0.87% |
| Short % of Float | 1.05% |
| Short Ratio (days to cover) | 1.94 |
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 StatementBalance 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 SheetCash 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 | $12.93 |
Full Cash Flow StatementMargins
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 2.33%.
| Dividend Per Share | $0.64 |
| Dividend Yield | 2.33% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 26.78% |
| Buyback Yield | -2.65% |
| Shareholder Yield | -0.32% |
| Earnings Yield | 8.88% |
| FCF Yield | 47.08% |
Dividend DetailsAnalyst Forecast
The average price target for UFCS is $30.00, which is 9.21% higher than the current price. The consensus rating is "Buy".
| Price Target | $30.00 |
| Price Target Difference | 9.21% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsStock 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 |