United Fire Group Statistics
Total Valuation
UFCS has a market cap or net worth of $781.59 million. The enterprise value is $696.47 million.
Important Dates
The last earnings date was Tuesday, August 5, 2025, after market close.
| Earnings Date | Aug 5, 2025 |
| Ex-Dividend Date | Jun 6, 2025 |
Share Statistics
UFCS has 25.49 million shares outstanding. The number of shares has increased by 2.21% in one year.
| Current Share Class | 25.49M |
| Shares Outstanding | 25.49M |
| Shares Change (YoY) | +2.21% |
| Shares Change (QoQ) | +0.58% |
| Owned by Insiders (%) | 13.51% |
| Owned by Institutions (%) | 69.10% |
| Float | 22.03M |
Valuation Ratios
The trailing PE ratio is 8.75 and the forward PE ratio is 12.07.
| PE Ratio | 8.75 |
| Forward PE | 12.07 |
| PS Ratio | 0.59 |
| Forward PS | 0.53 |
| PB Ratio | 0.92 |
| P/TBV Ratio | 0.93 |
| P/FCF Ratio | 2.68 |
| P/OCF Ratio | 2.59 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 5.14, with an EV/FCF ratio of 2.39.
| EV / Earnings | 7.58 |
| EV / Sales | 0.53 |
| EV / EBITDA | 5.14 |
| EV / EBIT | 5.55 |
| EV / FCF | 2.39 |
Financial Position
The company has a current ratio of 0.38, with a Debt / Equity ratio of 0.14.
| Current Ratio | 0.38 |
| Quick Ratio | 0.27 |
| Debt / Equity | 0.14 |
| Debt / EBITDA | 0.81 |
| Debt / FCF | 0.40 |
| Interest Coverage | 12.64 |
Financial Efficiency
Return on equity (ROE) is 11.68% and return on invested capital (ROIC) is 8.68%.
| Return on Equity (ROE) | 11.68% |
| Return on Assets (ROA) | 2.22% |
| Return on Invested Capital (ROIC) | 8.68% |
| Return on Capital Employed (ROCE) | 13.04% |
| Revenue Per Employee | $1.51M |
| Profits Per Employee | $104,717 |
| Employee Count | 877 |
| Asset Turnover | 0.37 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UFCS has paid $23.74 million in taxes.
| Income Tax | 23.74M |
| Effective Tax Rate | 20.54% |
Stock Price Statistics
The stock price has increased by +59.52% in the last 52 weeks. The beta is 0.54, so UFCS's price volatility has been lower than the market average.
| Beta (5Y) | 0.54 |
| 52-Week Price Change | +59.52% |
| 50-Day Moving Average | 28.08 |
| 200-Day Moving Average | 27.55 |
| Relative Strength Index (RSI) | 69.63 |
| Average Volume (20 Days) | 143,170 |
Short Selling Information
The latest short interest is 309,963, so 1.22% of the outstanding shares have been sold short.
| Short Interest | 309,963 |
| Short Previous Month | 342,974 |
| Short % of Shares Out | 1.22% |
| Short % of Float | 1.41% |
| Short Ratio (days to cover) | 2.33 |
Income Statement
In the last 12 months, UFCS had revenue of $1.32 billion and earned $91.84 million in profits. Earnings per share was $3.51.
| Revenue | 1.32B |
| Gross Profit | 125.51M |
| Operating Income | 125.51M |
| Pretax Income | 45.02M |
| Net Income | 91.84M |
| EBITDA | 135.57M |
| EBIT | 125.51M |
| Earnings Per Share (EPS) | $3.51 |
Full Income StatementBalance Sheet
The company has $202.40 million in cash and $117.16 million in debt, giving a net cash position of $84.99 million or $3.33 per share.
| Cash & Cash Equivalents | 202.40M |
| Total Debt | 117.16M |
| Net Cash | 84.99M |
| Net Cash Per Share | $3.33 |
| Equity (Book Value) | 845.67M |
| Book Value Per Share | 33.18 |
| Working Capital | -1.67B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $301.86 million and capital expenditures -$10.26 million, giving a free cash flow of $291.60 million.
| Operating Cash Flow | 301.86M |
| Capital Expenditures | -10.26M |
| Free Cash Flow | 291.60M |
| FCF Per Share | $11.44 |
Full Cash Flow StatementMargins
Gross margin is 9.49%, with operating and profit margins of 9.49% and 6.94%.
| Gross Margin | 9.49% |
| Operating Margin | 9.49% |
| Pretax Margin | 8.74% |
| Profit Margin | 6.94% |
| EBITDA Margin | 10.25% |
| EBIT Margin | 9.49% |
| FCF Margin | 22.05% |
Dividends & Yields
This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 2.09%.
| Dividend Per Share | $0.64 |
| Dividend Yield | 2.09% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 18.26% |
| Buyback Yield | -2.21% |
| Shareholder Yield | -0.12% |
| Earnings Yield | 11.75% |
| FCF Yield | 37.31% |
Dividend DetailsAnalyst Forecast
The average price target for UFCS is $30.50, which is -0.52% lower than the current price. The consensus rating is "Buy".
| Price Target | $30.50 |
| Price Target Difference | -0.52% |
| 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 | |
| Lynch Upside | |
| 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 |