United Fire Group Inc.
UFCS | NASDAQ
$57.20
+$0.37 (+0.65%)
Nov 2, 2026, 12:47 PM ET · Market open
Market Data
Market Cap $1.47B
Enterprise Value $237.69M
Beta 0.47
Average Volume 146.03K
Shares Outstanding (Diluted) 25.9M
Shares Change YoY -1.88%
Institutional Ownership 69.39%
Exchange NASDAQ
ISIN US9103401082
Price Performance
Price Change 1M 4.7%
Price Change 3M 9.8%
Price Change 6M 45.8%
Price Change YTD 57.4%
Price Change 1Y 87.4%
Price Change 3Y 189.0%
Price Change 5Y 146.3%
1M CAGR (ann.) 4.5%
1Y CAGR (ann.) 92.6%
5Y CAGR (ann.) 24.1%
All-Time CAGR 7.2%
Valuation
PE Ratio 10.56
Forward PE 11.21
PEG Ratio 0.20
Forward PEG 0.50
PS Ratio 0.99
Forward PS 0.80
PB Ratio 1.49
P/FCF Ratio 5.44
P/Adj. FCF Ratio 5.67
P/OCF Ratio 5.37
EV/Sales 0.16
EV/EBIT 1.25
EV/EBITDA 0.84
EV/FCF 0.89
Earnings Yield 9.5%
FCF Yield 18.4%
Adj. FCF Yield 17.6%
Financial Health
Net Cash $1.22B
Total Debt $146.35M
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 0.52
Debt / FCF 0.55
OCF / Debt 1.86
Interest Coverage 13.96
Altman Z-Score 1.30
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 54.5%
Operating Profit Margin 12.0%
EBITDA Margin 13.6%
Net Profit Margin 9.6%
FCF Margin 18.2%
Adj. FCF Margin 17.5%
SBC / Revenue 0.7%
SBC Impact (per share) -4.0%
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 81.7%
FCF CAGR 5Y 36.0%
FCF CAGR 10Y 4.6%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 2
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Nov 3, 2026
EPS Estimate (next Q) $1.23
EPS Growth Est (next Q) -18.0%
Revenue Est (next Q) $384.18M
Revenue Growth Est (next Q) 8.5%
Fair Value Estimates
Graham Number $67.88
Graham Upside 19.4%
Lynch Fair Value $134.50
Lynch Upside 136.7%
Price Target $60.00
Price Target Upside 5.6%
Cash Flow
Operating Cash Flow $271.55M
Free Cash Flow $268.44M
Adj. Free Cash Flow $257.81M
FCF Per Share $10.45
OCF Per Share $10.58
OCF/S Ratio 18.4%
Income Statement
Revenue $1.47B
Gross Profit $802.38M
Operating Income $176.84M
EBITDA $282.25M
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 1.34%
Payout Ratio 14.1%
FCF Payout Ratio 6.9%
Adj. FCF Payout Ratio 7.1%
Dividend Growth (YoY) 18.8%
Pay Frequency Quarterly
Ex-Dividend Date Sep 4, 2026
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