United Fire Group Statistics
Total Valuation
UFCS has a market cap or net worth of $698.18 million. The enterprise value is $617.82 million.
Important Dates
The last earnings date was Tuesday, November 5, 2024, after market close.
| Earnings Date | Nov 5, 2024 |
| Ex-Dividend Date | Aug 30, 2024 |
Share Statistics
UFCS has 25.34 million shares outstanding. The number of shares has increased by 1.96% in one year.
| Current Share Class | 25.34M |
| Shares Outstanding | 25.34M |
| Shares Change (YoY) | +1.96% |
| Shares Change (QoQ) | +2.36% |
| Owned by Insiders (%) | 16.32% |
| Owned by Institutions (%) | 67.27% |
| Float | 21.20M |
Valuation Ratios
The trailing PE ratio is 14.18 and the forward PE ratio is 13.31.
| PE Ratio | 14.18 |
| Forward PE | 13.31 |
| PS Ratio | 0.58 |
| Forward PS | 0.51 |
| PB Ratio | 0.89 |
| P/TBV Ratio | 0.89 |
| P/FCF Ratio | 3.59 |
| P/OCF Ratio | 3.39 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 7.89, with an EV/FCF ratio of 3.18.
| EV / Earnings | 12.33 |
| EV / Sales | 0.51 |
| EV / EBITDA | 7.89 |
| EV / EBIT | 9.18 |
| EV / FCF | 3.18 |
Financial Position
The company has a current ratio of 0.43, with a Debt / Equity ratio of 0.15.
| Current Ratio | 0.43 |
| Quick Ratio | 0.31 |
| Debt / Equity | 0.15 |
| Debt / EBITDA | 1.35 |
| Debt / FCF | 0.60 |
| Interest Coverage | 11.87 |
Financial Efficiency
Return on equity (ROE) is 7.01% and return on invested capital (ROIC) is 5.26%.
| Return on Equity (ROE) | 7.01% |
| Return on Assets (ROA) | 1.27% |
| Return on Capital (ROIC) | 5.26% |
| Revenue Per Employee | $1.42M |
| Profits Per Employee | $58,830 |
| Employee Count | 852 |
| Asset Turnover | 0.37 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UFCS has paid $11.50 million in taxes.
| Income Tax | 11.50M |
| Effective Tax Rate | 18.66% |
Stock Price Statistics
The stock price has increased by +38.93% in the last 52 weeks. The beta is 0.38, so UFCS's price volatility has been lower than the market average.
| Beta (5Y) | 0.38 |
| 52-Week Price Change | +38.93% |
| 50-Day Moving Average | 21.41 |
| 200-Day Moving Average | 21.67 |
| Relative Strength Index (RSI) | 78.74 |
| Average Volume (20 Days) | 128,377 |
Short Selling Information
The latest short interest is 502,455, so 1.98% of the outstanding shares have been sold short.
| Short Interest | 502,455 |
| Short Previous Month | 555,698 |
| Short % of Shares Out | 1.98% |
| Short % of Float | 2.37% |
| Short Ratio (days to cover) | 6.11 |
Income Statement
In the last 12 months, UFCS had revenue of $1.21 billion and earned $50.12 million in profits. Earnings per share was $1.94.
| Revenue | 1.21B |
| Gross Profit | 69.01M |
| Operating Income | 67.29M |
| Pretax Income | 45.02M |
| Net Income | 50.12M |
| EBITDA | 78.27M |
| EBIT | 67.29M |
| Earnings Per Share (EPS) | $1.94 |
Full Income StatementBalance Sheet
The company has $197.47 million in cash and $117.01 million in debt, giving a net cash position of $80.36 million or $3.17 per share.
| Cash & Cash Equivalents | 197.47M |
| Total Debt | 117.01M |
| Net Cash | 80.36M |
| Net Cash Per Share | $3.17 |
| Equity (Book Value) | 785.82M |
| Book Value Per Share | 31.01 |
| Working Capital | -1.51B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $206.18 million and capital expenditures -$11.78 million, giving a free cash flow of $194.40 million.
| Operating Cash Flow | 206.18M |
| Capital Expenditures | -11.78M |
| Free Cash Flow | 194.40M |
| FCF Per Share | $7.67 |
Full Cash Flow StatementMargins
Gross margin is 5.72%, with operating and profit margins of 5.57% and 4.15%.
| Gross Margin | 5.72% |
| Operating Margin | 5.57% |
| Pretax Margin | 5.10% |
| Profit Margin | 4.15% |
| EBITDA Margin | 6.48% |
| EBIT Margin | 5.57% |
| FCF Margin | 19.36% |
Dividends & Yields
This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 2.32%.
| Dividend Per Share | $0.64 |
| Dividend Yield | 2.32% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 2 |
| Payout Ratio | 32.95% |
| Buyback Yield | -1.96% |
| Shareholder Yield | 0.36% |
| Earnings Yield | 7.18% |
| FCF Yield | 27.84% |
Dividend DetailsAnalyst Forecast
The average price target for UFCS is $26.00, which is -5.63% lower than the current price. The consensus rating is "Hold".
| Price Target | $26.00 |
| Price Target Difference | -5.63% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| 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 | 5 |