UFCS
United Fire Group, Inc.
$51.67
-0.78
(-1.49%)
Mkt Cap
1.33B
Volume
207,760
52W Range
25.79-54.42
Sector
Financial Services
Beta
0.50
EPS (TTM)
5.07
P/E Ratio
10.19
Revenue (TTM)
1.43B
Rev Growth (5Y)
+5.2%
EPS Growth (5Y)
+9.6%
AlphaVal · Fair Value
What we estimate one share is worth
$100.82
Undervalued
strong signal
48.8% below fair value
Modeled from cash flows & growth.
AlphaQuality · Grade
How strong & durable the business is
B+
Banks, Insurers & Asset Managers
75.9 / 100 composite
A bank, insurer or asset manager — graded A–F vs. similar companies.
Company Description
Headquartered in Cedar Rapids, Iowa, United Fire Group, Inc. (UFCS) operates throughout the United States, specializing in property and casualty insurance solutions for both personal and commercial clients. The company's diverse portfolio includes commercial multiple peril, inland marine, and various commercial property and casualty coverages such as fire and allied lines, general liability, automobile, workers' compensation, and fidelity and surety bonds. For individuals, they offer automobile and fire and allied lines policies, including homeowners' insurance. Additionally, United Fire Group engages in assumed reinsurance. Distribution of these offerings occurs through a network of independent agencies. The firm has been providing these services since its establishment in 1946.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.39B | 1.25B | 1.10B | 988.22M | 1.06B | 1.08B | 1.20B | 1.08B | 1.06B | 986.18M | 896.96M | 939.98M |
| Net Income | 118.19M | 61.96M | (29.70M) | 15.03M | 80.59M | (112.71M) | 14.82M | 27.65M | 51.02M | 49.90M | 89.13M | 59.14M |
| EPS | 4.48 | 2.45 | -1.18 | 0.60 | 3.21 | -4.50 | 0.59 | 1.10 | 2.05 | 1.96 | 3.54 | 2.36 |
| Free Cash Flow | 263.30M | 328.43M | 160.85M | (3.39M) | 15.94M | 22.57M | 61.33M | 77.05M | 152.94M | 206.78M | 180.30M | 143.14M |
| FCF / Share | 9.98 | 12.97 | 6.37 | -0.13 | 0.64 | 0.90 | 2.44 | 3.08 | 6.14 | 8.13 | 7.17 | 5.72 |
| Operating CF | 269.74M | 340.30M | 171.74M | (1.25M) | 29.92M | 41.44M | 93.75M | 110.10M | 170.09M | 214.38M | 190.00M | 151.29M |
| Total Assets | 3.84B | 3.49B | 3.14B | 2.88B | 3.01B | 3.07B | 3.01B | 2.82B | 4.18B | 4.05B | 3.89B | 3.86B |
| Total Debt | 146.20M | 117.06M | 50.00M | 50.00M | 50.00M | 50.00M | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash & Equiv | 156.33M | 200.95M | 102.05M | 96.65M | 132.10M | 87.95M | 120.72M | 64.45M | 95.56M | 110.85M | 106.45M | 90.57M |
| Book Value | 941.17M | 781.53M | 733.75M | 740.11M | 879.12M | 825.15M | 910.47M | 888.38M | 973.37M | 941.88M | 878.90M | 817.41M |
| Return on Equity | 0.13 | 0.08 | -0.04 | 0.02 | 0.09 | -0.14 | 0.02 | 0.03 | 0.05 | 0.05 | 0.10 | 0.07 |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 369.44M | 365.81M | 354.02M | 336.58M | 331.11M | 331.74M | 322.96M | 301.17M | 295.99M | 290.18M | 273.95M | 267.10M |
| Net Income | 30.05M | 38.35M | 39.19M | 22.95M | 17.70M | 31.44M | 19.75M | (2.73M) | 13.50M | 19.61M | 6.38M | (56.38M) |
| EPS | 1.18 | 1.45 | 1.54 | 0.90 | 0.70 | 1.24 | 0.78 | -0.11 | 0.53 | 0.78 | 0.25 | -2.23 |
| Free Cash Flow | 56.24M | 119.18M | 59.29M | 51.65M | 33.18M | 153.41M | 53.37M | 88.09M | 33.56M | 19.38M | 109.22M | 41.65M |
| FCF / Share | 2.20 | 4.51 | 2.33 | 2.03 | 1.31 | 6.05 | 2.11 | 3.48 | 1.32 | 0.77 | 4.28 | 1.65 |
| Operating CF | 56.63M | 119.83M | 60.85M | 53.39M | 35.67M | 156.35M | 56.46M | 91.33M | 36.16M | 22.23M | 111.64M | 44.65M |
| Total Assets | 3.91B | 3.84B | 3.75B | 3.66B | 3.53B | 3.49B | 3.55B | 3.41B | 3.24B | 3.14B | 3.05B | 3.02B |
| Total Debt | 146.27M | 146.20M | 146.13M | 117.16M | 117.11M | 117.06M | 117.01M | 116.97M | 50.00M | 50.00M | 50.00M | 50.00M |
| Cash & Equiv | 162.03M | 156.33M | 233.74M | 202.15M | 183.68M | 200.95M | 197.37M | 153.43M | 217.78M | 102.05M | 69.15M | 79.70M |
| Book Value | 950.61M | 941.17M | 898.71M | 845.67M | 817.66M | 781.53M | 785.82M | 726.60M | 736.77M | 733.75M | 644.94M | 676.37M |
| Return on Equity | 0.03 | 0.04 | 0.04 | 0.03 | 0.02 | 0.04 | 0.03 | -0.00 | 0.02 | 0.03 | 0.01 | -0.08 |
UFCS News
United Fire Group (UFCS) Is Up 8.82% in One Week: What You Should Know
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United Fire Group, Inc (UFCS) Hits Fresh High: Is There Still Room to Run?
United Fire Group: A Cautious Value Recovery Story After Strong Q1 Results
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Is United Fire Group (UFCS) Stock Undervalued Right Now?
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United Fire Group, Inc. declares quarterly cash dividend of $0.20 per share and announces results of annual meeting of shareholders
United Fire Group, Inc. (UFCS) Shareholder/Analyst Call Prepared Remarks Transcript
Should Value Investors Buy United Fire Group (UFCS) Stock?