United Fire Group Statistics
Total Valuation
UFCS has a market cap or net worth of $1.24 billion. The enterprise value is $1.22 billion.
Important Dates
The last earnings date was Tuesday, May 5, 2026, after market close.
| Earnings Date | May 5, 2026 |
| Ex-Dividend Date | Feb 24, 2026 |
Share Statistics
UFCS has 25.66 million shares outstanding. The number of shares has increased by 1.15% in one year.
| Current Share Class | 25.66M |
| Shares Outstanding | 25.66M |
| Shares Change (YoY) | +1.15% |
| Shares Change (QoQ) | -1.43% |
| Owned by Insiders (%) | 13.39% |
| Owned by Institutions (%) | 69.52% |
| Float | 22.20M |
Valuation Ratios
The trailing PE ratio is 9.75 and the forward PE ratio is 10.75.
| PE Ratio | 9.75 |
| Forward PE | 10.75 |
| PS Ratio | 0.87 |
| Forward PS | 0.78 |
| PB Ratio | 1.30 |
| P/TBV Ratio | 1.31 |
| P/FCF Ratio | 4.33 |
| P/OCF Ratio | 4.26 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 6.54, with an EV/FCF ratio of 4.27.
| EV / Earnings | 9.38 |
| EV / Sales | 0.86 |
| EV / EBITDA | 6.54 |
| EV / EBIT | 6.95 |
| EV / FCF | 4.27 |
Financial Position
The company has a current ratio of 0.35, with a Debt / Equity ratio of 0.15.
| Current Ratio | 0.35 |
| Quick Ratio | 0.25 |
| Debt / Equity | 0.15 |
| Debt / EBITDA | 0.75 |
| Debt / FCF | 0.51 |
| Interest Coverage | 14.71 |
Financial Efficiency
Return on equity (ROE) is 14.77% and return on invested capital (ROIC) is 12.75%.
| Return on Equity (ROE) | 14.77% |
| Return on Assets (ROA) | 2.96% |
| Return on Invested Capital (ROIC) | 12.75% |
| Return on Capital Employed (ROCE) | 16.05% |
| Weighted Average Cost of Capital (WACC) | 6.92% |
| Revenue Per Employee | $1.68M |
| Profits Per Employee | $154,306 |
| Employee Count | 846 |
| Asset Turnover | 0.38 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UFCS has paid $33.55 million in taxes.
| Income Tax | 33.55M |
| Effective Tax Rate | 20.45% |
Stock Price Statistics
The stock price has increased by +68.83% in the last 52 weeks. The beta is 0.49, so UFCS's price volatility has been lower than the market average.
| Beta (5Y) | 0.49 |
| 52-Week Price Change | +68.83% |
| 50-Day Moving Average | 40.31 |
| 200-Day Moving Average | 35.60 |
| Relative Strength Index (RSI) | 69.86 |
| Average Volume (20 Days) | 131,587 |
Short Selling Information
The latest short interest is 300,380, so 1.17% of the outstanding shares have been sold short.
| Short Interest | 300,380 |
| Short Previous Month | 286,238 |
| Short % of Shares Out | 1.17% |
| Short % of Float | 1.35% |
| Short Ratio (days to cover) | 3.12 |
Income Statement
In the last 12 months, UFCS had revenue of $1.42 billion and earned $130.54 million in profits. Earnings per share was $4.96.
| Revenue | 1.42B |
| Gross Profit | 176.06M |
| Operating Income | 176.06M |
| Pretax Income | 164.09M |
| Net Income | 130.54M |
| EBITDA | 187.26M |
| EBIT | 176.06M |
| Earnings Per Share (EPS) | $4.96 |
Full Income StatementBalance Sheet
The company has $162.03 million in cash and $146.27 million in debt, with a net cash position of $15.76 million or $0.61 per share.
| Cash & Cash Equivalents | 162.03M |
| Total Debt | 146.27M |
| Net Cash | 15.76M |
| Net Cash Per Share | $0.61 |
| Equity (Book Value) | 950.61M |
| Book Value Per Share | 37.06 |
| Working Capital | -1.83B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $290.70 million and capital expenditures -$4.34 million, giving a free cash flow of $286.36 million.
| Operating Cash Flow | 290.70M |
| Capital Expenditures | -4.34M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 28.90M |
| Free Cash Flow | 286.36M |
| FCF Per Share | $11.16 |
Full Cash Flow StatementMargins
Gross margin is 12.36%, with operating and profit margins of 12.36% and 9.16%.
| Gross Margin | 12.36% |
| Operating Margin | 12.36% |
| Pretax Margin | 11.52% |
| Profit Margin | 9.16% |
| EBITDA Margin | 13.14% |
| EBIT Margin | 12.36% |
| FCF Margin | 20.10% |
Dividends & Yields
This stock pays an annual dividend of $0.80, which amounts to a dividend yield of 1.66%.
| Dividend Per Share | $0.80 |
| Dividend Yield | 1.66% |
| Dividend Growth (YoY) | 6.25% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 13.71% |
| Buyback Yield | -1.15% |
| Shareholder Yield | 0.47% |
| Earnings Yield | 10.53% |
| FCF Yield | 23.10% |
Dividend DetailsAnalyst Forecast
The average price target for UFCS is $51.00, which is 5.55% higher than the current price. The consensus rating is "Buy".
| Price Target | $51.00 |
| Price Target Difference | 5.55% |
| 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 | 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 |
