United Fire Group Statistics
Total Valuation
UFCS has a market cap or net worth of $727.13 million. The enterprise value is $660.56 million.
Important Dates
The next estimated earnings date is Tuesday, August 5, 2025, after market close.
| Earnings Date | Aug 5, 2025 |
| Ex-Dividend Date | Jun 6, 2025 |
Share Statistics
UFCS has 25.45 million shares outstanding. The number of shares has increased by 2.99% in one year.
| Current Share Class | 25.45M |
| Shares Outstanding | 25.45M |
| Shares Change (YoY) | +2.99% |
| Shares Change (QoQ) | +0.85% |
| Owned by Insiders (%) | 13.53% |
| Owned by Institutions (%) | 66.93% |
| Float | 21.99M |
Valuation Ratios
The trailing PE ratio is 11.25 and the forward PE ratio is 11.14.
| PE Ratio | 11.25 |
| Forward PE | 11.14 |
| PS Ratio | 0.56 |
| Forward PS | 0.51 |
| PB Ratio | 0.89 |
| P/TBV Ratio | 0.89 |
| P/FCF Ratio | 2.22 |
| P/OCF Ratio | 2.14 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 6.46, with an EV/FCF ratio of 2.01.
| EV / Earnings | 9.99 |
| EV / Sales | 0.51 |
| EV / EBITDA | 6.46 |
| EV / EBIT | 7.22 |
| EV / FCF | 2.01 |
Financial Position
The company has a current ratio of 0.36, with a Debt / Equity ratio of 0.14.
| Current Ratio | 0.36 |
| Quick Ratio | 0.25 |
| Debt / Equity | 0.14 |
| Debt / EBITDA | 1.05 |
| Debt / FCF | 0.36 |
| Interest Coverage | 10.28 |
Financial Efficiency
Return on equity (ROE) is 8.51% and return on invested capital (ROIC) is 6.64%.
| Return on Equity (ROE) | 8.51% |
| Return on Assets (ROA) | 1.69% |
| Return on Invested Capital (ROIC) | 6.64% |
| Return on Capital Employed (ROCE) | 9.79% |
| Revenue Per Employee | $1.47M |
| Profits Per Employee | $75,433 |
| Employee Count | 877 |
| Asset Turnover | 0.38 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UFCS has paid $16.45 million in taxes.
| Income Tax | 16.45M |
| Effective Tax Rate | 19.91% |
Stock Price Statistics
The stock price has increased by +34.38% in the last 52 weeks. The beta is 0.51, so UFCS's price volatility has been lower than the market average.
| Beta (5Y) | 0.51 |
| 52-Week Price Change | +34.38% |
| 50-Day Moving Average | 27.87 |
| 200-Day Moving Average | 26.01 |
| Relative Strength Index (RSI) | 54.96 |
| Average Volume (20 Days) | 101,291 |
Short Selling Information
The latest short interest is 215,696, so 0.85% of the outstanding shares have been sold short.
| Short Interest | 215,696 |
| Short Previous Month | 240,316 |
| Short % of Shares Out | 0.85% |
| Short % of Float | 0.98% |
| Short Ratio (days to cover) | 2.36 |
Income Statement
In the last 12 months, UFCS had revenue of $1.29 billion and earned $66.16 million in profits. Earnings per share was $2.54.
| Revenue | 1.29B |
| Gross Profit | 91.51M |
| Operating Income | 91.51M |
| Pretax Income | 45.02M |
| Net Income | 66.16M |
| EBITDA | 102.24M |
| EBIT | 91.51M |
| Earnings Per Share (EPS) | $2.54 |
Full Income StatementBalance Sheet
The company has $184.27 million in cash and $117.11 million in debt, giving a net cash position of $66.57 million or $2.62 per share.
| Cash & Cash Equivalents | 184.27M |
| Total Debt | 117.11M |
| Net Cash | 66.57M |
| Net Cash Per Share | $2.62 |
| Equity (Book Value) | 817.66M |
| Book Value Per Share | 32.13 |
| Working Capital | -1.66B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $339.82 million and capital expenditures -$11.76 million, giving a free cash flow of $328.06 million.
| Operating Cash Flow | 339.82M |
| Capital Expenditures | -11.76M |
| Free Cash Flow | 328.06M |
| FCF Per Share | $12.89 |
Full Cash Flow StatementMargins
Gross margin is 7.10%, with operating and profit margins of 7.10% and 5.13%.
| Gross Margin | 7.10% |
| Operating Margin | 7.10% |
| Pretax Margin | 6.41% |
| Profit Margin | 5.13% |
| EBITDA Margin | 7.94% |
| EBIT Margin | 7.10% |
| FCF Margin | 25.46% |
Dividends & Yields
This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 2.23%.
| Dividend Per Share | $0.64 |
| Dividend Yield | 2.23% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 25.20% |
| Buyback Yield | -2.99% |
| Shareholder Yield | -0.76% |
| Earnings Yield | 9.10% |
| FCF Yield | 45.12% |
Dividend DetailsAnalyst Forecast
The average price target for UFCS is $30.00, which is 4.71% higher than the current price. The consensus rating is "Buy".
| Price Target | $30.00 |
| Price Target Difference | 4.71% |
| 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 |