United Fire Group Statistics
Total Valuation
UFCS has a market cap or net worth of $1.41 billion. The enterprise value is $1.42 billion.
| Market Cap | 1.41B |
| Enterprise Value | 1.42B |
Important Dates
The last earnings date was Monday, August 3, 2026, after market close.
| Earnings Date | Aug 3, 2026 |
| Ex-Dividend Date | Sep 4, 2026 |
Share Statistics
UFCS has 25.71 million shares outstanding. The number of shares has decreased by -0.14% in one year.
| Current Share Class | 25.71M |
| Shares Outstanding | 25.71M |
| Shares Change (YoY) | -0.14% |
| Shares Change (QoQ) | -0.78% |
| Owned by Insiders (%) | 13.65% |
| Owned by Institutions (%) | 70.41% |
| Float | 22.18M |
Valuation Ratios
The trailing PE ratio is 10.17 and the forward PE ratio is 12.20.
| PE Ratio | 10.17 |
| Forward PE | 12.20 |
| PS Ratio | 0.96 |
| Forward PS | 0.81 |
| PB Ratio | 1.44 |
| P/TBV Ratio | 1.45 |
| P/FCF Ratio | 5.25 |
| P/OCF Ratio | 5.19 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 7.05, with an EV/FCF ratio of 5.28.
| EV / Earnings | 10.05 |
| EV / Sales | 0.96 |
| EV / EBITDA | 7.05 |
| EV / EBIT | 7.48 |
| EV / FCF | 5.28 |
Financial Position
The company has a current ratio of 0.36, with a Debt / Equity ratio of 0.15.
| Current Ratio | 0.36 |
| Quick Ratio | 0.26 |
| Debt / Equity | 0.15 |
| Debt / EBITDA | 0.70 |
| Debt / FCF | 0.55 |
| Interest Coverage | 14.96 |
Financial Efficiency
Return on equity (ROE) is 15.46% and return on invested capital (ROIC) is 13.61%.
| Return on Equity (ROE) | 15.46% |
| Return on Assets (ROA) | 3.09% |
| Return on Invested Capital (ROIC) | 13.61% |
| Return on Capital Employed (ROCE) | 16.86% |
| Weighted Average Cost of Capital (WACC) | 7.06% |
| Revenue Per Employee | $1.74M |
| Profits Per Employee | $166,621 |
| Employee Count | 846 |
| Asset Turnover | 0.38 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UFCS has paid $35.88 million in taxes.
| Income Tax | 35.88M |
| Effective Tax Rate | 20.29% |
Stock Price Statistics
The stock price has increased by +78.43% 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 | +78.43% |
| 50-Day Moving Average | 52.62 |
| 200-Day Moving Average | 42.72 |
| Relative Strength Index (RSI) | 60.99 |
| Average Volume (20 Days) | 116,177 |
Short Selling Information
The latest short interest is 619,300, so 2.41% of the outstanding shares have been sold short.
| Short Interest | 619,300 |
| Short Previous Month | 436,376 |
| Short % of Shares Out | 2.41% |
| Short % of Float | 2.79% |
| Short Ratio (days to cover) | 4.04 |
Income Statement
In the last 12 months, UFCS had revenue of $1.47 billion and earned $140.96 million in profits. Earnings per share was $5.39.
| Revenue | 1.47B |
| Gross Profit | 189.51M |
| Operating Income | 189.51M |
| Pretax Income | 176.84M |
| Net Income | 140.96M |
| EBITDA | 200.88M |
| EBIT | 189.51M |
| Earnings Per Share (EPS) | $5.39 |
Balance Sheet
The company has $139.45 million in cash and $146.35 million in debt, with a net cash position of -$6.91 million or -$0.27 per share.
| Cash & Cash Equivalents | 139.45M |
| Total Debt | 146.35M |
| Net Cash | -6.91M |
| Net Cash Per Share | -$0.27 |
| Equity (Book Value) | 977.34M |
| Book Value Per Share | 38.02 |
| Working Capital | -1.86B |
Cash Flow
In the last 12 months, operating cash flow was $271.55 million and capital expenditures -$3.11 million, giving a free cash flow of $268.44 million.
| Operating Cash Flow | 271.55M |
| Capital Expenditures | -3.11M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 28.90M |
| Free Cash Flow | 268.44M |
| FCF Per Share | $10.44 |
Margins
Gross margin is 12.87%, with operating and profit margins of 12.87% and 9.57%.
| Gross Margin | 12.87% |
| Operating Margin | 12.87% |
| Pretax Margin | 12.01% |
| Profit Margin | 9.57% |
| EBITDA Margin | 13.64% |
| EBIT Margin | 12.87% |
| FCF Margin | 18.22% |
Dividends & Yields
This stock pays an annual dividend of $0.76, which amounts to a dividend yield of 1.39%.
| Dividend Per Share | $0.76 |
| Dividend Yield | 1.39% |
| Dividend Growth (YoY) | 18.75% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 14.09% |
| Buyback Yield | 0.14% |
| Shareholder Yield | 1.52% |
| Earnings Yield | 10.00% |
| FCF Yield | 19.04% |
Analyst Forecast
The average price target for UFCS is $58.50, which is 6.66% higher than the current price. The consensus rating is "Buy".
| Price Target | $58.50 |
| Price Target Difference | 6.66% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| 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 |