United Fire Group Inc.
UFCS | NASDAQ
$54.05
-$0.34 (-0.63%)
Sep 21, 2026, 12:55 PM ET · Market open
Market Data
Market Cap $1.4B
Enterprise Value $1.26B
Beta 0.51
Average Volume 149.11K
Shares Outstanding (Diluted) 26.1M
Shares Change YoY -1.11%
Institutional Ownership 67.08%
Exchange NASDAQ
ISIN US9103401082
Price Performance
Price Change 1M 0.1%
Price Change 3M 12.1%
Price Change 6M 45.2%
Price Change YTD 52.9%
Price Change 1Y 67.3%
Price Change 3Y 174.4%
Price Change 5Y 134.3%
1M CAGR (ann.) -0.6%
1Y CAGR (ann.) 74.8%
5Y CAGR (ann.) 22.1%
All-Time CAGR 5.2%
Valuation
PE Ratio 10.11
Forward PE 11.07
PEG Ratio 0.19
Forward PEG 28.81
PS Ratio 0.95
Forward PS 0.80
PB Ratio 1.43
P/FCF Ratio 4.30
P/Adj. FCF Ratio 4.48
P/OCF Ratio 5.14
EV/Sales 0.85
EV/EBIT 6.63
EV/EBITDA 6.43
EV/FCF 3.87
Earnings Yield 9.9%
FCF Yield 23.3%
Adj. FCF Yield 22.3%
Financial Health
Net Cash $139.45M
Total Debt $0
Cash & Short-Term Investments $139.45M
Total Assets $4.01B
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio 0.15
Debt / EBITDA 0.00
Debt / FCF 0.00
OCF / Debt N/A
Interest Coverage 13.96
Altman Z-Score 1.29
Piotroski F-Score 8
Margins & Profitability
Gross Profit Margin 54.5%
Operating Profit Margin 12.0%
EBITDA Margin 19.2%
Net Profit Margin 9.6%
FCF Margin 22.0%
Adj. FCF Margin 21.1%
SBC / Revenue 0.7%
SBC Impact (per share) -4.1%
Returns
Return on Assets 3.5%
Return on Equity 15.0%
Return on Invested Capital 15.8%
Return on Capital Employed 4.4%
Return on Tangible Assets 3.5%
Historical Growth (CAGR)
Revenue CAGR 3Y 11.7%
Revenue CAGR 5Y 5.1%
Revenue CAGR 10Y 3.1%
EPS CAGR 3Y 57.4%
EPS CAGR 5Y 53.7%
EPS CAGR 10Y 6.1%
FCF CAGR 3Y 93.6%
FCF CAGR 5Y 41.3%
FCF CAGR 10Y 6.6%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 6
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Nov 2, 2026
EPS Estimate (next Q) $1.19
EPS Growth Est (next Q) -20.7%
Revenue Est (next Q) $384.18M
Revenue Growth Est (next Q) 8.5%
Fair Value Estimates
Graham Number $67.88
Graham Upside 24.8%
Lynch Fair Value $134.50
Lynch Upside 147.3%
Price Target $60
Price Target Upside 10.3%
Cash Flow
Operating Cash Flow $328.18M
Free Cash Flow $324.69M
Adj. Free Cash Flow $311.44M
FCF Per Share $10.45
OCF Per Share $10.58
OCF/S Ratio 18.4%
Income Statement
Revenue $1.47B
Gross Profit $589.01M
Operating Income $176.84M
EBITDA $195.28M
Net Income $140.96M
EPS (Diluted) $5.38
Revenue / Employee $1.74M
Profit / Employee $166.62K
Employees 846
Dividends
Annual Dividend $0.76
Dividend Yield 1.40%
Payout Ratio 14.1%
FCF Payout Ratio 7.3%
Adj. FCF Payout Ratio 7.6%
Dividend Growth (YoY) 18.8%
Pay Frequency Quarterly
Ex-Dividend Date Sep 3, 2026
Add to Watchlist
Select watchlists to add or remove UFCS