United Fire Group Statistics
Total Valuation
UFCS has a market cap or net worth of $1.35 billion. The enterprise value is $1.33 billion.
Important Dates
The next estimated earnings date is Tuesday, August 4, 2026, after market close.
| Earnings Date | Aug 4, 2026 |
| Ex-Dividend Date | Jun 5, 2026 |
Share Statistics
UFCS has 25.66 million shares outstanding. The number of shares has increased by 1.15% in one year.
| Current Share Class | 25.66M |
| Shares Outstanding | 25.66M |
| Shares Change (YoY) | +1.15% |
| Shares Change (QoQ) | -1.43% |
| Owned by Insiders (%) | 13.67% |
| Owned by Institutions (%) | 69.75% |
| Float | 22.13M |
Valuation Ratios
The trailing PE ratio is 10.60 and the forward PE ratio is 11.69.
| PE Ratio | 10.60 |
| Forward PE | 11.69 |
| PS Ratio | 0.95 |
| Forward PS | 0.84 |
| PB Ratio | 1.42 |
| P/TBV Ratio | 1.42 |
| P/FCF Ratio | 4.71 |
| P/OCF Ratio | 4.64 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 7.12, with an EV/FCF ratio of 4.65.
| EV / Earnings | 10.21 |
| EV / Sales | 0.94 |
| EV / EBITDA | 7.12 |
| EV / EBIT | 7.57 |
| EV / FCF | 4.65 |
Financial Position
The company has a current ratio of 0.35, with a Debt / Equity ratio of 0.15.
| Current Ratio | 0.35 |
| Quick Ratio | 0.25 |
| Debt / Equity | 0.15 |
| Debt / EBITDA | 0.75 |
| Debt / FCF | 0.51 |
| Interest Coverage | 14.71 |
Financial Efficiency
Return on equity (ROE) is 14.77% and return on invested capital (ROIC) is 12.75%.
| Return on Equity (ROE) | 14.77% |
| Return on Assets (ROA) | 2.96% |
| Return on Invested Capital (ROIC) | 12.75% |
| Return on Capital Employed (ROCE) | 16.05% |
| Weighted Average Cost of Capital (WACC) | 7.09% |
| Revenue Per Employee | $1.68M |
| Profits Per Employee | $154,306 |
| Employee Count | 846 |
| Asset Turnover | 0.38 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UFCS has paid $33.55 million in taxes.
| Income Tax | 33.55M |
| Effective Tax Rate | 20.45% |
Stock Price Statistics
The stock price has increased by +89.03% in the last 52 weeks. The beta is 0.53, so UFCS's price volatility has been lower than the market average.
| Beta (5Y) | 0.53 |
| 52-Week Price Change | +89.03% |
| 50-Day Moving Average | 45.25 |
| 200-Day Moving Average | 37.78 |
| Relative Strength Index (RSI) | 73.77 |
| Average Volume (20 Days) | 155,105 |
Short Selling Information
The latest short interest is 276,128, so 1.08% of the outstanding shares have been sold short.
| Short Interest | 276,128 |
| Short Previous Month | 306,993 |
| Short % of Shares Out | 1.08% |
| Short % of Float | 1.25% |
| Short Ratio (days to cover) | 2.01 |
Income Statement
In the last 12 months, UFCS had revenue of $1.42 billion and earned $130.54 million in profits. Earnings per share was $4.96.
| Revenue | 1.42B |
| Gross Profit | 176.06M |
| Operating Income | 176.06M |
| Pretax Income | 164.09M |
| Net Income | 130.54M |
| EBITDA | 187.26M |
| EBIT | 176.06M |
| Earnings Per Share (EPS) | $4.96 |
Full Income StatementBalance Sheet
The company has $162.03 million in cash and $146.27 million in debt, giving a net cash position of $15.76 million or $0.61 per share.
| Cash & Cash Equivalents | 162.03M |
| Total Debt | 146.27M |
| Net Cash | 15.76M |
| Net Cash Per Share | $0.61 |
| Equity (Book Value) | 950.61M |
| Book Value Per Share | 37.06 |
| Working Capital | -1.83B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $290.70 million and capital expenditures -$4.34 million, giving a free cash flow of $286.36 million.
| Operating Cash Flow | 290.70M |
| Capital Expenditures | -4.34M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 28.90M |
| Free Cash Flow | 286.36M |
| FCF Per Share | $11.16 |
Full Cash Flow StatementMargins
Gross margin is 12.36%, with operating and profit margins of 12.36% and 9.16%.
| Gross Margin | 12.36% |
| Operating Margin | 12.36% |
| Pretax Margin | 11.52% |
| Profit Margin | 9.16% |
| EBITDA Margin | 13.14% |
| EBIT Margin | 12.36% |
| FCF Margin | 20.10% |
Dividends & Yields
This stock pays an annual dividend of $0.80, which amounts to a dividend yield of 1.52%.
| Dividend Per Share | $0.80 |
| Dividend Yield | 1.52% |
| Dividend Growth (YoY) | 12.50% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 14.52% |
| Buyback Yield | -1.15% |
| Shareholder Yield | 0.44% |
| Earnings Yield | 9.68% |
| FCF Yield | 21.24% |
Dividend DetailsAnalyst Forecast
The average price target for UFCS is $51.00, which is -2.95% lower than the current price. The consensus rating is "Buy".
| Price Target | $51.00 |
| Price Target Difference | -2.95% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 | 5 |