Profitability
Weight: 25%
B
70
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 59.1%
- Loss Ratio Trend -0.70 pp/yr
UFCS
United Fire Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
D+
40
- 5yr Avg ROE 5.5%
- 5yr Share-Count CAGR 1.1%
Growth Quality
Weight: 10%
C+
62
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 4.1%
- Loss Ratio Trend (growth quality check) -0.70 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
A-
86
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 1.1%
- Loss Ratio Stability (σ) 0.07
Balance Sheet
Weight: 25%
A+
95
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.37x
- Interest Coverage (EBIT/Int) 14.13x
Stability
Weight: 10%
C-
44
- EPS Volatility (σ/μ) 0.61
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 2 added; 1 trimmed.
- Holders
- 3 +1
- Avg Δ position
- -6.0%
- New buys
- 0
- Full exits
- 0