United Fire Group, Inc. (UFCS)

NASDAQ: UFCS · USD

$56.3

-0.93 (-1.6%)· Recorded snapshot

Market cap	1.4B
Revenue (ttm)	1.5B
Net income (ttm)	141M
EPS (ttm)	$5.39
Shares out	25.7M
P/E (trailing)	10.4x
P/E (forward)	12.7x
Dividend	$0.80 (1.42%)
Volume	56,761
Beta	0.47

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.5B
Net income (ttm): 141M
EPS (ttm): $5.39
P/E (trailing): 10.4x
P/E (forward): 12.7x
Market cap: 1.4B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	적극 매수
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	적극 매수
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	보유

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E12.7

P25 n/aP50 n/aP75 n/a

Trailing P/E10.4

P25 n/aP50 n/aP75 n/a

ROE15.5

P25 n/aP50 n/aP75 n/a

ROIC13.6

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All UFCS indicators

Market & fundamental data

Available fields

267

Groups with data

Currency

USD

Showing 267 of 267 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000101199
Company name	United Fire Group, Inc.
Country	United States
Country code	US
CUSIP number	910340108
Earnings date	2026-11-03
Earnings time	amc
Employees	846
Employees change	-31
Employees growth	-3.53%
Enterprise value	$1.5B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1946
In index	RUSSELL2000
Industry	Insurance - Property & Casualty
Is primary listing	Yes
Is SPAC	No
ISIN number	US9103401082
Last 10-K release date	2026-02-26
Last earnings date	2026-08-03
Last refreshed	2026-10-28
Last stock split date	2004-12-16
Last stock split type	Forward
Market cap	$1.4B
Market cap category	Small-Cap
Next earnings date	2026-11-03
Options	Yes
Price	$56.27
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	UFCS
U.S. state	Iowa
Website	https://www.ufginsurance.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	10.31x
Average P/E ratio (10Y)	27.55x
Average P/E ratio (3Y)	9.76x
Average P/E ratio (5Y)	14.53x
Earnings yield	9.59%
EV/Earnings	10.31x
EV/EBIT	7.67x
EV/EBITDA	7.23x
EV/FCF	5.41x
EV/Sales	0.99x
FCF / EV yield	18.47%
FCF yield	18.56%
Forward EV/Sales	0.84x
Forward P/E	12.73x
Forward P/S	0.84x
Graham number	67.93366
Graham upside	20.73%
Industry forward P/E	12.55x
Industry P/E	10.1x
P/(FCF - SBC) ratio	5.61x
P/(OCF - SBC) ratio	5.54x
P/B ratio	1.5x
P/E ratio	10.43x
P/FCF ratio	5.39x
P/OCF ratio	5.33x
P/S ratio	0.98x
Price / tangible book value	1.48x
Price/EBITDA ratio	7.2x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	12.87%
EBITDA margin	13.64%
Effective tax rate	20.29%
FCF margin	18.22%
Gross margin	12.87%
Operating margin	12.87%
Pretax margin	12.01%
Profit margin	9.57%
Profit per employee	$166,621
Profitable quarters	8
Profitable years	2
Revenue per employee	$1.7M
ROA	3.09%
ROA (5Y)	1.19%
ROCE	16.86%
ROE	15.46%
ROE (5Y)	5.84%
ROIC	13.61%
ROIC (5Y)	5.33%
SBC / revenue	0.72%
Tax / revenue	2.44%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	53.9%
EPS growth (Q)	48.28%
EPS growth (QoQ)	12.17%
EPS growth 10Y	6.13%
EPS growth quarters	10
EPS growth years	2
FCF growth	-7.94%
FCF growth (Q)	-34.7%
FCF growth (QoQ)	-40.03%
FCF growth 3Y	81.72%
FCF growth 5Y	36.04%
Net income growth	53.49%
Net income growth (Q)	45.4%
Net income growth (QoQ)	11.02%
Net income growth quarters	10
Net income growth years	2
OCF growth	-10.04%
OCF growth (Q)	-35.86%
OCF growth (QoQ)	-39.52%
OCF growth 10Y	4.21%
OCF growth 3Y	72.96%
OCF growth 5Y	30.4%
Revenue growth	11.36%
Revenue growth (Q)	14.38%
Revenue growth (QoQ)	3.87%
Revenue growth 10Y	3.78%
Revenue growth 3Y	11.95%
Revenue growth 5Y	5.29%
Revenue growth quarters	15
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-3.1M
EBIT	$189.5M
EBITDA	$200.9M
EPS	$5.39
FCF per share	$10.44
Financing cash flow	$8.5M
Free cash flow	$268.4M
Free cash flow minus SBC	$257.8M
Gross profit	$189.5M
Income taxes	$35.9M
Investing cash flow	$-342.7M
Net borrowing	$28.9M
Net cash flow	$-62.7M
Net income	$141M
Operating cash flow minus SBC	$260.9M
Operating income	$189.5M
Revenue	$1.5B
Stock-based compensation	$10.6M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$38.02
Debt / EBITDA	0.7
Debt / equity	0.15
Debt / FCF	0.55
Interest coverage	14.96
Net cash (debt)	$-6.9M
Net cash / market cap	-0.48%
Net debt / EBITDA	0.03
Net debt / equity	0.01
Net debt / FCF	0.03
Piotroski F-Score	5
Property, plant and equipment	$128.1M
Shareholders' equity	$977.3M
Tangible book value	$974.3M
Tangible book value per share	$37.90
Total assets	$4B
Total cash	$139.4M
Total debt	$146.4M
Total liabilities	$3B
WACC	6.84%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.38
Current ratio	0.36
Net working capital	$-2B
Quick ratio	0.26
Working capital	$-1.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.14%
Dividend growth	18.75%
Dividend growth (10Y)	-2.1%
Dividend growth (3Y)	5.9%
Dividend growth (5Y)	4.84%
Dividend growth years	0
Dividend payment date	2026-09-18
Dividend payment years	54
Dividend payout frequency	Quarterly
Dividend per share	$0.80
Dividend yield	1.42%
Ex-dividend date	2026-09-04
FCF payout ratio	7.28%
Last dividend	$0.20
Payout ratio	14.09%
Shareholder yield	1.56%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	41.32%
10Y return CAGR	6.74%
10Y total return	92.01%
150-day SMA	$49.51
15Y price change	172.21%
15Y return CAGR	10.07%
15Y total return	321.66%
1D price change	-1.63%
1M price change	5.2%
1M total return	5.2%
1W price change	-1%
1W total return	-1%
1Y price change	81.27%
1Y return CAGR	84.62%
1Y total return	84.54%
20-day SMA	$56.01
200-day SMA	$46.39
20Y price change	57.11%
20Y return CAGR	5.21%
20Y total return	175.97%
3M price change	9.04%
3M total return	9.43%
3Y price change	183.78%
3Y return CAGR	44.88%
3Y total return	204.19%
50-day SMA	$54.86
50-day SMA vs 200-day SMA	50over200
52-week high	$58.20
52-week high date	2026-10-22
52-week low	$29.85
52-week low date	2025-10-31
5Y price change	173.67%
5Y return CAGR	25.25%
5Y total return	208.14%
6M price change	38.63%
6M total return	39.76%
All-time high	$61.56
All-time high date	2018-07-27
All-time low	$3.00
All-time low date	1987-10-28
Average true range (ATR)	$1.44
Average volume	105.1K
Beta (1Y)	0.23
Beta (2Y)	0.76
Beta (5Y)	0.47
Change from 52-week high	-3.31%
Change from 52-week low	88.51%
Change from all-time high	-8.86%
Change from all-time low	1,770.08%
Change from open	-0.25%
Day's gap	-1.38%
Dollar volume	$3.2M
High price	$56.41
Low price	$56.27
Monthly RSI	77.06
Open price	$56.41
Position in 52-week range	0%
Premarket change	0.07%
Premarket close	$57.20
Premarket price	$57.24
Previous close	$57.20
Price vs 150-day SMA	13.33%
Price vs 20-day SMA	0.17%
Price vs 200-day SMA	20.94%
Price vs 50-day SMA	2.26%
Relative volume	0.54
RSI	52.14
Sharpe ratio	1.99
Sharpe ratio (3Y)	1.11
Sharpe ratio (5Y)	0.63
Sortino ratio	4.06
Sortino ratio (3Y)	2.21
Sortino ratio (5Y)	1.12
Volume	56.8K
Weekly RSI	66.53
YTD price change	54.34%
YTD total return	56.43%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	22.2M
Float percentage	86.38%
Shares change (QoQ)	-0.78%
Shares change (YoY)	-0.14%
Shares held by insiders	13.57%
Shares held by institutions	71.18%
Shares outstanding	25.7M
Short % of float	2.13%
Short % of shares	1.84%
Short ratio	3 days

Deeper analysis on UFCS

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this UFCS report

Is a complete UFCS research report available?

No complete published report is available for United Fire Group, Inc. (UFCS) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

United Fire Group, Inc. (UFCS)

Price

Financial snapshot

Fair-value bridge

Latest news · UFCS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All UFCS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on UFCS

Frequently asked questions