(UFCS) United Fire - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US9103401082

Property, Casualty, Commercial, Personal, Reinsurance

Property & Casualty Insurance
Market Cap in USD: 920m
IPO / Inception: 1990-03-26
12m vs SPY: 18.4%

EPS (Earnings per Share)

EPS (Earnings per Share) of UFCS over the last years for every Quarter: "2020-12": -1.3, "2021-03": -0.03, "2021-06": 0.35, "2021-09": -0.31, "2021-12": 1.69, "2022-03": 1.13, "2022-06": 0.24, "2022-09": -0.47, "2022-12": 0.18, "2023-03": 0.08, "2023-06": -2.27, "2023-09": 0.31, "2023-12": 0.65, "2024-03": 0.56, "2024-06": -0.07, "2024-09": 0.81, "2024-12": 1.25, "2025-03": 0.7, "2025-06": 0.9, "2025-09": 1.5, "2025-12": 0,
EPS CAGR: -10.01%
EPS Trend: 34.3%
Last SUE: -2.72
Qual. Beats: 0

Revenue

Revenue of UFCS over the last years for every Quarter: 2020-12: 320.531, 2021-03: 300.735, 2021-06: 244.412, 2021-09: 248.538, 2021-12: 262.802, 2022-03: 245.014, 2022-06: 219.536, 2022-09: 235.573, 2022-12: 288.098, 2023-03: 267.104, 2023-06: 267.095, 2023-09: 273.954, 2023-12: 290.178, 2024-03: 295.99, 2024-06: 301.169, 2024-09: 322.964, 2024-12: 331.738, 2025-03: 331.111, 2025-06: 336.579, 2025-09: 354.018, 2025-12: null,
Rev. CAGR: 8.27%
Rev. Trend: 91.1%
Last SUE: -0.05
Qual. Beats: 0

Dividends

Dividend Yield 2.11%
Yield on Cost 5y 2.39%
Yield CAGR 5y 1.63%
Payout Consistency 92.7%
Payout Ratio 14.7%
Risk via 5d forecast
Volatility 32.5%
Value at Risk 5%th 45.4%
Relative Tail Risk -15.25%
Reward TTM
Sharpe Ratio 0.95
Alpha 20.90
CAGR/Max DD 0.21
Character TTM
Hurst Exponent 0.569
Beta 0.558
Beta Downside 0.654
Drawdowns 3y
Max DD 40.55%
Mean DD 20.35%
Median DD 22.11%

Description: UFCS United Fire December 01, 2025

United Fire Group, Inc. (NASDAQ: UFCS) is a U.S.-based property and casualty insurer offering both commercial and personal lines. Its commercial portfolio includes fire-and-allied, liability, auto, workers’ compensation, fidelity, and surety products, while personal lines focus on auto and fire-and-allied coverage, plus assumed reinsurance for homeowners multi-peril policies. Distribution is handled through an independent agency network, and the company has operated since its 1946 incorporation out of Cedar Rapids, Iowa.

Key recent metrics: UFCS reported $225 million in net written premiums for Q4 2023, with a combined ratio of 97.8%-indicating underwriting profitability despite a modest loss ratio of 62%. The firm’s market capitalization sits near $200 million, and its earnings are sensitive to interest-rate shifts, as higher rates boost investment income but can compress loan-related demand for commercial coverage. The broader P&C sector is currently navigating an underwriting cycle that favors tighter pricing and stronger capital reserves, driven by elevated catastrophe loss trends and evolving regulatory capital requirements.

For a deeper, data-driven analysis of UFCS’s valuation and risk profile, you may find ValueRay’s platform worth exploring.

Piotroski VR‑10 (Strict, 0-10) 7.5

Net Income (111.3m TTM) > 0 and > 6% of Revenue (6% = 81.2m TTM)
FCFTA 0.08 (>2.0%) and ΔFCFTA 2.44pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -111.8% (prev -77.41%; Δ -34.38pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.08 (>3.0%) and CFO 306.3m > Net Income 111.3m (YES >=105%, WARN >=100%)
Net Debt (-87.6m) to EBITDA (160.2m) ratio: -0.55 <= 3.0 (WARN <= 3.5)
Current Ratio 0.13 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (26.4m) change vs 12m ago 1.85% (target <= -2.0% for YES)
Gross Margin 21.81% (prev 16.78%; Δ 5.03pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 37.08% (prev 34.13%; Δ 2.95pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 14.18 (EBITDA TTM 160.2m / Interest Expense TTM 10.6m) >= 6 (WARN >= 3)

Altman Z'' -1.52

(A) -0.40 = (Total Current Assets 233.7m - Total Current Liabilities 1.75b) / Total Assets 3.75b
(B) 0.18 = Retained Earnings (Balance) 688.0m / Total Assets 3.75b
(C) 0.04 = EBIT TTM 149.8m / Avg Total Assets 3.65b
(D) 0.24 = Book Value of Equity 677.1m / Total Liabilities 2.86b
Total Rating: -1.52 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 79.32

1. Piotroski 7.50pt
2. FCF Yield data missing
3. FCF Margin 21.98%
4. Debt/Equity 0.16
5. Debt/Ebitda -0.55
6. ROIC - WACC (= 5.34)%
7. RoE 13.31%
8. Rev. Trend 91.10%
9. EPS Trend 34.33%

What is the price of UFCS shares?

As of January 12, 2026, the stock is trading at USD 35.49 with a total of 87,076 shares traded.
Over the past week, the price has changed by -2.20%, over one month by -2.77%, over three months by +17.11% and over the past year by +43.02%.

Is UFCS a buy, sell or hold?

United Fire has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy UFCS.
  • Strong Buy: 1
  • Buy: 0
  • Hold: 1
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the UFCS price?

Issuer Target Up/Down from current
Wallstreet Target Price 37.5 5.7%
Analysts Target Price 37.5 5.7%
ValueRay Target Price 39 10%

UFCS Fundamental Data Overview January 09, 2026

P/E Trailing = 8.5071
P/S = 0.6798
P/B = 1.0131
P/EG = 2.9
Beta = 0.44
Revenue TTM = 1.35b USD
EBIT TTM = 149.8m USD
EBITDA TTM = 160.2m USD
Long Term Debt = 146.1m USD (from longTermDebt, last quarter)
Short Term Debt = 9.17m USD (from shortTermDebt, last fiscal year)
Debt = 146.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -87.6m USD (from netDebt column, last quarter)
Enterprise Value = -172.4m USD (920.3m + Debt 146.1m - CCE 1.24b)
Interest Coverage Ratio = 14.18 (Ebit TTM 149.8m / Interest Expense TTM 10.6m)
EV/FCF = -0.58x (Enterprise Value -172.4m / FCF TTM 297.5m)
FCF Yield = -172.6% (FCF TTM 297.5m / Enterprise Value -172.4m)
FCF Margin = 21.98% (FCF TTM 297.5m / Revenue TTM 1.35b)
Net Margin = 8.22% (Net Income TTM 111.3m / Revenue TTM 1.35b)
Gross Margin = 21.81% ((Revenue TTM 1.35b - Cost of Revenue TTM 1.06b) / Revenue TTM)
Gross Margin QoQ = 23.82% (prev 20.33%)
Tobins Q-Ratio = -0.05 (set to none) (Enterprise Value -172.4m / Total Assets 3.75b)
Interest Expense / Debt = 2.13% (Interest Expense 3.12m / Debt 146.1m)
Taxrate = 19.49% (9.49m / 48.7m)
NOPAT = 120.6m (EBIT 149.8m * (1 - 19.49%))
Current Ratio = 0.13 (Total Current Assets 233.7m / Total Current Liabilities 1.75b)
Debt / Equity = 0.16 (Debt 146.1m / totalStockholderEquity, last quarter 898.7m)
Debt / EBITDA = -0.55 (Net Debt -87.6m / EBITDA 160.2m)
Debt / FCF = -0.29 (Net Debt -87.6m / FCF TTM 297.5m)
Total Stockholder Equity = 835.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.05% (Net Income 111.3m / Total Assets 3.75b)
RoE = 13.31% (Net Income TTM 111.3m / Total Stockholder Equity 835.9m)
RoCE = 15.26% (EBIT 149.8m / Capital Employed (Equity 835.9m + L.T.Debt 146.1m))
RoIC = 12.45% (NOPAT 120.6m / Invested Capital 968.8m)
WACC = 7.11% (E(920.3m)/V(1.07b) * Re(7.97%) + D(146.1m)/V(1.07b) * Rd(2.13%) * (1-Tc(0.19)))
Discount Rate = 7.97% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.80%
[DCF Debug] Terminal Value 82.88% ; FCFF base≈256.3m ; Y1≈288.5m ; Y5≈387.0m
Fair Price DCF = 320.4 (EV 8.09b - Net Debt -87.6m = Equity 8.18b / Shares 25.5m; r=7.11% [WACC]; 5y FCF grow 14.60% → 2.90% )
EPS Correlation: 34.33 | EPS CAGR: -10.01% | SUE: -2.72 | # QB: 0
Revenue Correlation: 91.10 | Revenue CAGR: 8.27% | SUE: -0.05 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.97 | Chg30d=+0.000 | Revisions Net=+2 | Analysts=2
EPS next Year (2026-12-31): EPS=3.62 | Chg30d=+0.000 | Revisions Net=+2 | Growth EPS=-7.9% | Growth Revenue=+3.4%

Additional Sources for UFCS Stock

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