United Fire Group Statistics
Total Valuation
UFCS has a market cap or net worth of $509.00 million. The enterprise value is $472.54 million.
Important Dates
The next confirmed earnings date is 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 1.44% in one year.
| Shares Outstanding | 25.34M |
| Shares Change (YoY) | +1.44% |
| Shares Change (QoQ) | -2.01% |
| Owned by Insiders (%) | 16.30% |
| Owned by Institutions (%) | 64.76% |
| Float | 21.20M |
Valuation Ratios
The trailing PE ratio is 13.95 and the forward PE ratio is 14.99.
| PE Ratio | 13.95 |
| Forward PE | 14.99 |
| PS Ratio | 0.44 |
| Forward PS | 0.38 |
| PB Ratio | 0.70 |
| P/FCF Ratio | 2.03 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 7.86, with an EV/FCF ratio of 1.89.
| EV / Earnings | 12.86 |
| EV / Sales | 0.41 |
| EV / EBITDA | 7.86 |
| EV / EBIT | 9.64 |
| EV / FCF | 1.89 |
Financial Position
The company has a current ratio of 0.41, with a Debt / Equity ratio of 0.16.
| Current Ratio | 0.41 |
| Quick Ratio | 0.30 |
| Debt / Equity | 0.16 |
| Debt / EBITDA | 1.70 |
| Debt / FCF | 0.47 |
| Interest Coverage | 12.30 |
Financial Efficiency
Return on equity (ROE) is 5.24% and return on invested capital (ROIC) is 3.90%.
| Return on Equity (ROE) | 5.24% |
| Return on Assets (ROA) | 0.95% |
| Return on Capital (ROIC) | 3.90% |
| Revenue Per Employee | $1.36M |
| Profits Per Employee | $43,140 |
| Employee Count | 852 |
| Asset Turnover | 0.36 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UFCS has paid $8.27 million in taxes.
| Income Tax | 8.27M |
| Effective Tax Rate | 18.36% |
Stock Price Statistics
The stock price has decreased by -0.30% in the last 52 weeks. The beta is 0.37, so UFCS's price volatility has been lower than the market average.
| Beta (5Y) | 0.37 |
| 52-Week Price Change | -0.30% |
| 50-Day Moving Average | 20.25 |
| 200-Day Moving Average | 21.56 |
| Relative Strength Index (RSI) | 47.58 |
| Average Volume (20 Days) | 87,649 |
Short Selling Information
The latest short interest is 427,038, so 1.69% of the outstanding shares have been sold short.
| Short Interest | 427,038 |
| Short Previous Month | 499,258 |
| Short % of Shares Out | 1.69% |
| Short % of Float | 2.01% |
| Short Ratio (days to cover) | 2.99 |
Income Statement
In the last 12 months, UFCS had revenue of $1.16 billion and earned $36.76 million in profits. Earnings per share was $1.44.
| Revenue | 1.16B |
| Gross Profit | 50.73M |
| Operating Income | 49.01M |
| Pretax Income | 45.02M |
| Net Income | 36.76M |
| EBITDA | 60.15M |
| EBIT | 49.01M |
| Earnings Per Share (EPS) | $1.44 |
Full Income StatementBalance Sheet
The company has $153.53 million in cash and $116.97 million in debt, giving a net cash position of $36.47 million or $1.44 per share.
| Cash & Cash Equivalents | 153.53M |
| Total Debt | 116.97M |
| Net Cash | 36.47M |
| Net Cash Per Share | $1.44 |
| Equity (Book Value) | 726.60M |
| Book Value Per Share | 28.68 |
| Working Capital | -1.51B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $261.36 million and capital expenditures -$11.11 million, giving a free cash flow of $250.25 million.
| Operating Cash Flow | 261.36M |
| Capital Expenditures | -11.11M |
| Free Cash Flow | 250.25M |
| FCF Per Share | $9.88 |
Full Cash Flow StatementMargins
Gross margin is 4.38%, with operating and profit margins of 4.23% and 3.17%.
| Gross Margin | 4.38% |
| Operating Margin | 4.23% |
| Pretax Margin | 3.89% |
| Profit Margin | 3.17% |
| EBITDA Margin | 5.19% |
| EBIT Margin | 4.23% |
| FCF Margin | 19.36% |
Dividends & Yields
This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 3.19%.
| Dividend Per Share | $0.64 |
| Dividend Yield | 3.19% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 2 |
| Payout Ratio | 44.42% |
| Buyback Yield | -1.44% |
| Shareholder Yield | 1.74% |
| Earnings Yield | 7.22% |
| FCF Yield | 49.17% |
Dividend DetailsAnalyst Forecast
The average price target for UFCS is $19.00, which is -5.43% lower than the current price. The consensus rating is "Sell".
| Price Target | $19.00 |
| Price Target Difference | -5.43% |
| Analyst Consensus | Sell |
| 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 | 6 |