United Fire Group/$UFCS
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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
- Finance
- Primary listing
- NASDAQ
- Employees
- 846
- Headquarters
- Cedar Rapids, United States
- Website
- www.ufginsurance.com
UFCS Metrics
BasicAdvanced
$1.5B
10.53
$5.39
0.51
$0.76
1.41%
Price and volume
Market cap
$1.5B
Beta
0.51
52-week high
$58.20
52-week low
$29.85
Average daily volume
108K
Dividend rate
$0.76
Financial strength
Current ratio
0.07
Quick ratio
0.07
Long term debt to equity
0.15
Total debt to equity
0.15
Dividend payout ratio (TTM)
13.07%
Interest coverage (TTM)
14.96%
Profitability
EBITDA (TTM)
200.884
Gross margin (TTM)
12.87%
Net profit margin (TTM)
9.57%
Operating margin (TTM)
12.87%
Effective tax rate (TTM)
20.29%
Revenue per employee (TTM)
$1,740,000
Management effectiveness
Return on assets (TTM)
3.09%
Return on equity (TTM)
15.46%
Valuation
Price to earnings (TTM)
10.535
Price to revenue (TTM)
1.008
Price to book
1.5
Price to tangible book (TTM)
1.5
Price to free cash flow (TTM)
5.412
Free cash flow yield (TTM)
18.48%
Free cash flow per share (TTM)
10.501
Dividend yield (TTM)
1.34%
Forward dividend yield
1.41%
Growth
Revenue change (TTM)
11.36%
Earnings per share change (TTM)
53.82%
3-year revenue growth (CAGR)
11.95%
10-year revenue growth (CAGR)
3.78%
3-year earnings per share growth (CAGR)
32.37%
10-year earnings per share growth (CAGR)
6.12%
3-year dividend per share growth (CAGR)
4.00%
10-year dividend per share growth (CAGR)
-2.31%
What the Analysts think about UFCS
Analyst ratings (Buy, Hold, Sell) for United Fire Group stock.
Analyst projections of the future price of United Fire Group stock.
Bulls say / Bears say
Underwriting has turned profitable while the business is growing: second-quarter premiums rose 9%, net income rose 45%, and the combined ratio improved to 95.3%. First-quarter results also showed a 95.6% combined ratio, supporting the case that the recovery is not confined to one quarter. (United Fire Group, United Fire Group)
Investment income is adding momentum to earnings: it rose 33% year on year to $28.9 million in Q2. New fixed-income investments yielded 5.1%, above the portfolio’s average, giving UFG room to lift returns as existing securities mature and are reinvested. (The Motley Fool)
UFG says more than half of its portfolio now consists of policies written since 2024, which management says are performing at or above expectations. It also expects technology and operating changes to lower the expense ratio by 0.5 to 1 point a year, which could support margins if delivery matches the plan. (The Motley Fool)
Pricing power is fading in parts of the market: Q2 renewal rate increases averaged 2.9%, while management reported pressure in property and some general liability lines. Competition also weighed on specialty excess-and-surplus premiums and remains intense in assumed reinsurance. (The Motley Fool)
The favourable Q2 catastrophe result may not be a reliable run-rate: the catastrophe loss ratio was 2.7%, but management said it would have been about 6% excluding favourable development on earlier events. AM Best also noted that recent results benefited from catastrophe losses below historical levels, while UFG’s insured footprint remains exposed to natural disasters. (The Motley Fool, AM Best)
The shares may already reflect much of the earnings recovery: a recent analysis put UFCS at 1.4 times forward book value, 59% above its five-year average. If softer pricing or higher catastrophe losses pull returns back from recent levels, that premium could leave limited upside or amplify a valuation reset. (Seeking Alpha)
Data summarised monthly by Lightyear AI. Last updated on 25 Oct 2026.
UFCS Financial Performance
Revenues and expenses
UFCS Earnings Performance
Company profitability
Upcoming events
No upcoming events
UFCS News
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Funds containing UFCS
Fund name | Fund size | $UFCS weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.07% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.07% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.04% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.04% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.03% |
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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