United Fire Group/$UFCS
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About United Fire Group
United Fire Group Inc is engaged in the business of writing property and casualty insurance and selling annuities through a network of independent agencies. The company's only operating segment is property and casualty insurance, which includes commercial lines insurance, personal lines insurance, and assumed reinsurance. The primary source of revenue is premium and investment income.
Ticker
$UFCS
Sector
Primary listing
Employees
877
Headquarters
Website
UFCS Metrics
BasicAdvanced
$787M
8.80
$3.51
0.57
$0.64
2.07%
Price and volume
Market cap
$787M
Beta
0.57
52-week high
$32.58
52-week low
$19.33
Average daily volume
111K
Dividend rate
$0.64
Financial strength
Current ratio
0.109
Quick ratio
0.109
Long term debt to equity
13.854
Total debt to equity
13.854
Dividend payout ratio (TTM)
17.70%
Interest coverage (TTM)
12.64%
Profitability
EBITDA (TTM)
132.381
Gross margin (TTM)
9.49%
Net profit margin (TTM)
6.94%
Operating margin (TTM)
9.49%
Effective tax rate (TTM)
20.54%
Revenue per employee (TTM)
$1,510,000
Management effectiveness
Return on assets (TTM)
2.16%
Return on equity (TTM)
11.68%
Valuation
Price to earnings (TTM)
8.797
Price to revenue (TTM)
0.612
Price to book
0.93
Price to tangible book (TTM)
0.93
Price to free cash flow (TTM)
2.688
Free cash flow yield (TTM)
37.21%
Free cash flow per share (TTM)
11.486
Dividend yield (TTM)
2.07%
Forward dividend yield
2.07%
Growth
Revenue change (TTM)
14.18%
Earnings per share change (TTM)
143.58%
3-year revenue growth (CAGR)
10.21%
10-year revenue growth (CAGR)
3.04%
3-year earnings per share growth (CAGR)
10.72%
10-year earnings per share growth (CAGR)
1.84%
3-year dividend per share growth (CAGR)
1.61%
10-year dividend per share growth (CAGR)
-2.45%
What the Analysts think about UFCS
Analyst ratings (Buy, Hold, Sell) for United Fire Group stock.
Bulls say / Bears say
Net written premium in Q2 2025 grew 14% year-over-year to $372.9 million, driven by strong core commercial lines production with rate increases of 7.6% and high retention (UFG Q2 2025 results).
The combined ratio improved 9.2 points to 96.4% in Q2 2025, reflecting disciplined underwriting, favorable prior-year reserve development, and a reduced catastrophe loss ratio of 5.5% (UFG Q2 2025 results).
United Fire Group achieved a 10% return on equity through the first six months of 2025, marking a significant milestone in its transformation and demonstrating improved capital efficiency (UFG Q2 2025 results).
In Q1 2025, the combined ratio rose to 99.4%, exceeding breakeven and indicating pressure on underwriting margins despite overall profitability (Investing.com).
The underwriting expense ratio climbed to 37.9% in Q1 2025 due to costs associated with implementing a new policy administration system, weighing on operating leverage (Investing.com).
Catastrophe losses accounted for 5.0% of the combined ratio in Q1 2025, including a 2.6-point impact from California wildfires, underscoring ongoing exposure to natural disaster risk (GlobeNewswire Q1 2025 results).
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2025.
UFCS Financial Performance
Revenues and expenses
UFCS Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for United Fire Group stock?
United Fire Group (UFCS) has a market cap of $787M as of October 26, 2025.
What is the P/E ratio for United Fire Group stock?
The price to earnings (P/E) ratio for United Fire Group (UFCS) stock is 8.8 as of October 26, 2025.
Does United Fire Group stock pay dividends?
Yes, the United Fire Group (UFCS) stock pays dividends to shareholders. As of October 26, 2025, the dividend rate is $0.64 and the yield is 2.07%. United Fire Group has a payout ratio of 17.7% on a trailing twelve-month basis.
When is the next United Fire Group dividend payment date?
The next United Fire Group (UFCS) dividend payment date is unconfirmed.
What is the beta indicator for United Fire Group?
United Fire Group (UFCS) has a beta rating of 0.57. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.