United Fire Group, Inc. logo UFCS - United Fire Group, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 4
HOLD 2
SELL 0
STRONG
SELL
0
| PRICE TARGET: $57.00 DETAILS
HIGH: $57.00
LOW: $57.00
MEDIAN: $57.00
CONSENSUS: $57.00
UPSIDE: 20.84%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 1,386.4 1,251.9 1,098.3 988.2 1,056.5 1,078.3 1,200.1 1,080.3 1,055.5 986.2 897.0 940.0 870.0 810.7 705.1 590.7 572.2 601.4 638.5 635.6 619.6 608.1 573.3 510.9 473.0 420.6 353.2 338.3 311.1 300.3 264.6 233.8 217.9
Cost of Revenue 764.4 1,025.9 1,014.4 850.4 855.6 1,079.7 1,046.9 937.8 933.5 875.4 724.0 770.6 685.3 686.0 659.0 493.4 406.4 429.8 276.4 460.9 558.3 449.1 0 0 396.1 0 0 0 0 0 0 35.1 34.3
Gross Profit 622.0 225.9 83.9 137.8 200.9 (1.5) 153.2 142.4 122.1 110.8 173.0 169.4 184.7 124.6 46.2 97.3 165.8 171.7 362.1 174.7 61.3 159.1 573.3 510.9 76.8 420.6 353.2 338.3 311.1 300.3 264.6 198.7 183.6
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Expenses 474.1 148.9 123.6 125.8 104.1 168.1 136.3 151.6 106.4 53.3 57.6 93.0 82.8 78.6 58.9 38.9 194.5 204.8 202.8 49.2 54.7 44.3 573.3 510.9 48.2 420.6 353.2 338.3 311.1 300.3 264.6 17.1 15
Operating Expenses 474.1 148.9 123.6 125.8 104.1 168.1 136.3 151.6 106.4 53.3 57.6 93.0 82.8 78.6 58.9 38.9 194.5 204.8 202.8 49.2 54.7 44.3 573.3 510.9 48.2 420.6 353.2 338.3 311.1 300.3 264.6 17.1 15
Operating Income
Operating Income 147.9 77.0 (39.7) 12.1 96.8 (169.5) 16.9 (9.2) 15.7 57.5 115.4 76.5 101.9 46.1 (12.7) 58.4 (28.7) (33.1) 159.3 125.5 6.6 114.8 0 0 28.6 0 0 0 0 0 0 181.6 168.6
Interest Expense 11.3 7.3 3.3 3.2 3.2 0 0 0 0 0 0 0 0 0 42.8 43.0 41.7 40.2 43.1 49.2 54.7 56.4 56.5 51.7 48.2 42.4 32.3 26.6 22.5 20.7 20.5 17.1 15
Interest Income 0 86.5 67.8 61.6 55.0 57.6 66.0 70.4 60.0 51.2 49.7 107.0 109.5 114.5 115.5 114.0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA 159.2 95.2 (26.0) 22.9 106.6 (162.9) 28.1 (4.0) 20.2 63.5 121.8 83.4 107.5 54.1 35.7 104.2 16.5 10.7 206.0 178.1 65.0 175.1 140.3 81.5 80.9 64.2 52.6 55.5 61.8 50.2 59.8 19.2 15.3
EBIT 159.2 84.3 (36.5) 15.3 100.0 (169.5) 16.9 (9.2) 15.7 57.5 115.4 76.5 101.9 46.1 30.1 101.4 12.9 7.0 202.4 174.7 61.3 171.2 136.4 77.8 76.8 59.8 49.5 55.0 60.7 48.1 58.5 17.1 15
Income Before Tax 147.9 77.0 (39.7) 12.1 96.8 (169.5) 16.9 (9.2) 15.7 57.5 115.4 76.5 101.9 46.1 (12.7) 58.4 (28.7) (33.1) 159.3 125.5 6.6 114.8 79.9 26.1 28.6 17.3 17.2 28.4 38.2 27.4 38.0 28.7 22.1
Income Tax Expense 29.7 15.1 (10.0) (3.0) 16.2 (56.8) 2.1 (11.4) (29.2) 8.4 30.1 17.3 25.8 5.9 (12.7) 10.9 (18.3) (20.1) 47.9 37.4 (2.5) 36.0 24.3 5.3 4.5 1.8 1.8 4.7 9.4 5.4 9.2 6.2 3.5
Net Income 118.2 62.0 (29.7) 15.0 80.6 (112.7) 14.8 27.6 51.0 49.9 89.1 59.1 76.1 40.2 0.0 47.5 (10.4) (13.1) 111.4 88.1 9.0 78.8 55.6 20.8 24.1 15.5 15.4 23.7 28.7 22.0 28.8 22.5 18.6
Per Share Data
EPS (Basic) 4.48 2.45 -1.18 0.60 3.21 -4.50 0.59 1.10 2.05 1.96 3.54 2.36 3.00 1.59 0.00 1.81 -0.39 -0.48 4.04 3.37 0.22 3.68 2.53 0.88 1.20 0.78 0.77 1.14 1.34 1.02 1.33 0.23 0.19
EPS (Diluted) 4.48 2.39 -1.18 0.59 3.16 -4.50 0.58 1.08 1.99 1.93 3.53 2.32 2.98 1.58 0.00 1.81 -0.39 -0.48 4.03 3.36 0.22 3.34 2.36 0.88 1.20 0.78 0.77 1.14 1.34 1.02 1.33 0.23 0.19
Shares Outstanding 26.4 25.3 25.3 25.5 25.1 25.0 25.1 25.0 24.9 25.4 25.2 25.0 25.4 25.2 25.9 26.2 26.6 27.0 27.6 26.1 22.4 20.1 20.1 20.1 20.1 20.1 20.2 20.8 21.5 21.5 21.7 21.6 21.6
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 156.3 200.9 102.0 96.7 132.1 87.9 120.7 64.5 95.6 110.9 0 0 305.6 265.1 136.9 0 0 9.7 0 2.4 14.4 7.0 0 0
Short-Term Investments 1,118.0 1,868.4 0.1 0.3 0.3 0.2 0.2 0.2 0.2 0.2 132.7 26.1 37.7 6.6 1.7 0 58.3 20.1 34.0 19.2 29.3 21.5 0 0
Net Receivables 755.2 695.8 464.8 365.7 477.0 544.0 357.6 346.8 328.5 306.2 0 0 118.8 117.2 150.9 0 106.1 82.2 61.5 58.5 56.6 55.6 33.9 30.9
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 (4.0) (2.8) (3.0) (2.9) (4.1) (4.2) 0 0 0
Other Current Assets 0 (1,868.6) 0 0 13.4 (645.1) 0 0 0 0 0 0 0 0 0 1,650.9 1,474.9 1,330.7 1,140.9 1,062.3 910.5 844.1 0 0
Total Current Assets 2,061.9 0 566.9 462.7 632.1 0 478.5 411.5 424.2 417.2 132.7 26.1 462.1 388.8 296.0 0 1,639.3 1,442.8 1,236.4 1,142.4 1,010.9 932.1 33.9 30.9
Non-Current Assets
Property, Plant & Equipment 132.6 136.0 134.2 133.1 137.7 129.9 117.0 97.2 69.0 55.5 0 0 12.9 18.1 15.9 0 16.7 16.9 13.3 14.4 12.6 13.3 12.7 12.4
Goodwill 0 0 0 0 0 0 15.1 15.1 15.1 15.1 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 161.4 3.9 4.6 5.3 6.0 6.7 7.5 8.2 8.9 9.6 0 0 0.8 1.4 2.2 3.2 6.5 8.0 0.8 1.1 1.3 1.6 1.9 2.3
Long-Term Investments 1,346.7 224.7 0 0 2,064.4 2,032.3 0 0 0 0 0 0 0 0 1,690.2 0 1,381.8 1,208.7 1,058.3 972.2 839.7 771.6 0 0
Other Non-Current Assets 122.8 3,123.9 0 0 172.5 (2,168.9) 0 0 0 0 0 0 0 0 (1,708.3) 0 (1,381.8) (1,208.7) (1,058.3) (972.2) (839.7) (786.4) (14.6) (14.7)
Total Non-Current Assets 1,778.9 3,488.5 152.5 154.0 2,380.7 0 139.5 121.4 98.9 115.9 0 0 57.3 59.8 1,708.3 0 23.2 24.9 14.2 15.5 14.0 14.8 14.6 14.7
Total Assets 3,840.8 3,488.5 3,144.2 2,882.3 3,012.7 3,069.7 3,013.5 2,816.7 4,183.4 4,054.8 2,407.2 2,124.5 2,570.4 2,405.2 2,159.5 725.3 1,674.1 1,467.7 1,250.6 1,157.9 1,024.8 943.1 828.1 733
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 660.2 621.4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 1,924.8 (771.2) 0 1,364.9 1,980.8 (126.6) 0 1,251.1 1,161.0 1,061.2 0 0 0 0 0 0 0 0 0 (3.3) 0 0 0 0
Total Current Liabilities 2,585.0 0 142.6 1,458.5 2,083.6 0 139.6 1,374.1 1,328.4 1,208.3 0 0 57.9 0 0 0 0 0 0 0 0 0 0 0
Non-Current Liabilities
Long-Term Debt 146.2 117.1 50 50 50 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Tax Liabilities 0 53.0 0 0 26.8 24.9 20.6 0 6.0 0 0 0 43.6 40.4 11.8 12.7 12.2 7.4 22.9 27.9 12.7 11.0 0 0
Other Non-Current Liabilities 168.4 2,292.3 2,217.8 1,998.6 (26.8) (74.9) 1,942.8 1,805.4 3,204.1 2,965.8 2,229.8 0 2,007.7 0 (11.8) 0 (12.2) (7.4) (22.9) (27.9) (12.7) (11.0) 0 0
Total Non-Current Liabilities 314.6 2,484.2 2,267.8 2,048.6 50 0 1,963.4 1,805.4 3,210.1 2,965.8 2,229.8 0 2,051.3 40.4 0 12.7 0 0 0 0 0 0 0 0
Total Liabilities 2,899.6 2,706.9 2,410.4 2,142.2 2,133.6 2,244.5 2,103 1,928.3 3,210.1 3,112.9 0 0 2,052.4 1,965.8 1,803.9 0 1,405.1 1,229.9 994.3 880.7 797.0 734.4 657.4 578.4
Stockholders' Equity
Common Stock 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 88.4 88.7 67.1 33.5 33.5 33.5 33.5 33.5 33.6 35.8 35.8 36.1 0 0
Retained Earnings 722.3 620.4 574.7 620.6 621.4 555.9 697.1 715.5 608.7 616.3 0 0 274.8 242.8 199.6 0 172.3 164.0 155.4 161.9 139.9 124.4 113.6 104.5
Accumulated Other Comprehensive Income (5.1) (54.8) (51.0) (87.5) 54.3 66.9 13.2 (30.5) 168.3 109.1 0 0 102.5 90.6 50.4 0 44.7 33.1 59.3 70.2 42.8 36.2 0 0
Total Stockholders' Equity 941.2 781.5 733.7 740.1 879.1 825.1 910.5 888.4 973.4 941.9 0 0 452.2 373.9 355.5 0 257.4 237.8 256.3 277.2 227.9 208.8 170.7 154.6
Total Liabilities & Equity 3,840.8 3,488.5 3,144.2 2,882.3 3,012.7 3,069.7 3,013.5 2,816.7 4,183.4 4,054.8 2,407.2 2,124.5 2,570.4 2,405.2 2,159.5 725.3 1,662.5 1,467.7 1,250.6 1,157.9 1,024.8 943.1 828.1 733
Debt Metrics
Total Debt 146.2 117.1 50 50 50 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Debt (10.1) (83.9) (52.0) (46.6) (82.1) (37.9) (120.7) (64.5) (95.6) (110.9) 0 0 (305.6) (265.1) (136.9) 0 0 (9.7) 0 (2.4) (14.4) (7.0) 0 0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 118.2 62.0 (29.7) 15.0 80.6 (112.7) 14.8 29.6 44.9 49.9 9.0 78.8 55.6 20.8 24.1 15.5 15.4 23.7 28.7 22.0 28.8 22.5 18.6
Depreciation & Amortization 0 10.9 10.5 7.7 6.6 6.7 11.2 5.2 4.6 6.0 3.7 3.9 4.0 3.8 4.1 4.5 3.1 0.5 1.1 2.1 1.2 2.1 0.3
Stock-Based Compensation 0 5.5 3.2 2.8 3.4 5.0 6.2 5.2 4.8 3.7 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 131.6 203.5 74.4 (77.2) (70.9) 29.3 94.4 65.7 83.0 83.2 (27.7) 69.2 54.8 26.1 (2.6) 20.9 (7.7) 8.4 7.2 (19.6) 19.4 (21.7) (6)
Other Non-Cash Items 20.0 66.8 121.6 54.3 4.6 130.7 (43.0) 20.7 38.7 68.2 67.4 (6.2) (10.0) 8.6 1.5 2.5 25.0 (15.1) 5.7 41.3 (2.3) 43.1 21.3
Operating Cash Flow 269.7 340.3 171.7 (1.3) 29.9 41.4 93.8 110.1 170.1 214.4 53.7 142.7 111.8 58.7 24.6 42.5 34.5 18.1 43.2 43.9 49.3 45.9 33.2
Investing Activities
Capital Expenditure (6.4) (11.9) (10.9) (2.1) (14.0) (18.9) (32.4) (33.1) (17.2) (7.6) (1.9) (1.6) (5.9) (4.0) (1.7) (3.5) (1.4) (2.1) (4.6) (2.0) (3.4) (2.4) (2)
Acquisitions 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 (22.2) 0 1.9 0 0 0 0
Purchases of Investments (714.0) (960.6) (292.9) (297.3) (405.4) (444.7) (257.8) (540.4) (267.5) (448.1) (434.0) (425.1) (314.5) (388.9) (615.0) (450.6) (384.2) (329.2) (248.4) (187.0) (127.8) (153.5) (203.5)
Sales/Maturities of Investments 379.8 670.6 162.1 280.4 451.1 376.2 311.7 263.8 205.1 328.1 251.6 312.3 281.4 209.3 476.3 294.6 269.1 249.7 152.4 132.5 40.4 71.9 139.5
Other Investing Activities 14.6 9.4 (8.1) (0.1) 0 (5.6) (16.9) 290.4 17.6 15.3 0.6 3.3 0 0 (10.3) 38.0 1.5 3.0 5.3 0.7 2.1 0 (0.1)
Investing Cash Flow (326.0) (292.5) (149.9) (19.2) 31.7 (92.9) 4.5 (19.2) (62.0) (112.4) (183.7) (111.2) (39.0) (183.6) (150.7) (121.5) (137.3) (78.6) (93.3) (55.7) (88.7) (84) (66.1)
Financing Activities
Net Debt Issuance 28.9 67.0 0 0 0 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Stock Repurchased (1.0) 0 (0.3) 0 (2.0) (2.7) (11.7) (5.4) (29.8) (3.7) (0.1) 0 0 0 0 (0.4) (0.8) (26.7) (0.0) (3.0) (0.0) 0 0
Dividends Paid (16.3) (16.2) (16.2) (15.9) (15.1) (28.5) (32.7) (105.4) (27.3) (24.6) (12.0) (14.9) (10.0) (10.0) (7.2) (7.1) (6.9) (7.0) (6.7) (6.5) (5.8) (5.2) (4.8)
Other Financing Activities 0 0 0 0 (0.4) 0 0 (11.5) (55.3) (79.2) (1.3) 23.2 65.3 160.7 123.1 114.2 120.3 91.8 44.8 28.7 41.9 39.8 50.6
Financing Cash Flow 11.6 51.1 (16.5) (15.0) (17.5) 18.7 (42.0) (115.2) (107.5) (97.6) (12.7) 9.0 55.4 215.6 115.9 107.1 112.6 58.2 38.1 19.2 36.1 34.6 45.8
Cash Position
Net Change in Cash (44.6) 98.9 5.4 (35.5) 44.2 (32.8) 56.3 (31.1) 6.4 (0.3) (142.8) 40.5 128.2 90.6 (10.1) 28.1 9.7 58.2 (12.0) 7.4 (3.3) 34.6 45.8
Cash at Beginning 200.9 102.0 96.7 132.1 87.9 120.7 64.5 95.6 89.2 106.4 305.6 265.1 136.9 46.3 56.4 9.7 (102.9) 2.4 14.4 7.0 10.3 13.7 0.8
Cash at End 156.3 200.9 102.0 96.7 132.1 87.9 120.7 64.5 95.6 89.2 162.8 305.6 265.1 136.9 46.3 116.8 9.7 60.5 2.4 14.4 7.0 48.3 46.6
Free Cash Flow 263.3 328.4 160.8 (3.4) 15.9 22.6 61.3 77.1 152.9 206.8 51.8 141.1 105.9 54.6 22.9 39.1 33.0 15.9 38.6 42.0 46.0 43.5 31.2
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 1,386.4 1,251.9 1,098.3 988.2 1,056.5 1,078.3 1,200.1 1,080.3 1,055.5 986.2 897.0 940.0 870.0 810.7 705.1 590.7 572.2 601.4 638.5 635.6 619.6 608.1 573.3 510.9 473.0 420.6 353.2 338.3 311.1 300.3 264.6 233.8 217.9
Gross Profit 622.0 225.9 83.9 137.8 200.9 (1.5) 153.2 142.4 122.1 110.8 173.0 169.4 184.7 124.6 46.2 97.3 165.8 171.7 362.1 174.7 61.3 159.1 573.3 510.9 76.8 420.6 353.2 338.3 311.1 300.3 264.6 198.7 183.6
Operating Income 147.9 77.0 (39.7) 12.1 96.8 (169.5) 16.9 (9.2) 15.7 57.5 115.4 76.5 101.9 46.1 (12.7) 58.4 (28.7) (33.1) 159.3 125.5 6.6 114.8 0 0 28.6 0 0 0 0 0 0 181.6 168.6
Net Income 118.2 62.0 (29.7) 15.0 80.6 (112.7) 14.8 27.6 51.0 49.9 89.1 59.1 76.1 40.2 0.0 47.5 (10.4) (13.1) 111.4 88.1 9.0 78.8 55.6 20.8 24.1 15.5 15.4 23.7 28.7 22.0 28.8 22.5 18.6
EPS (Diluted) 4.48 2.39 -1.18 0.59 3.16 -4.50 0.58 1.08 1.99 1.93 3.53 2.32 2.98 1.58 0.00 1.81 -0.39 -0.48 4.03 3.36 0.22 3.34 2.36 0.88 1.20 0.78 0.77 1.14 1.34 1.02 1.33 0.23 0.19
Balance Sheet
Cash & Equivalents 156.3 200.9 102.0 96.7 132.1 87.9 120.7 64.5 95.6 110.9 0 0 305.6 265.1 136.9 0 0 9.7 0 2.4 14.4 7.0 0 0
Total Assets 3,840.8 3,488.5 3,144.2 2,882.3 3,012.7 3,069.7 3,013.5 2,816.7 4,183.4 4,054.8 2,407.2 2,124.5 2,570.4 2,405.2 2,159.5 725.3 1,674.1 1,467.7 1,250.6 1,157.9 1,024.8 943.1 828.1 733
Total Debt 146.2 117.1 50 50 50 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Stockholders' Equity 941.2 781.5 733.7 740.1 879.1 825.1 910.5 888.4 973.4 941.9 0 0 452.2 373.9 355.5 0 257.4 237.8 256.3 277.2 227.9 208.8 170.7 154.6
Cash Flow
Operating Cash Flow 269.7 340.3 171.7 (1.3) 29.9 41.4 93.8 110.1 170.1 214.4 53.7 142.7 111.8 58.7 24.6 42.5 34.5 18.1 43.2 43.9 49.3 45.9 33.2
Capital Expenditure (6.4) (11.9) (10.9) (2.1) (14.0) (18.9) (32.4) (33.1) (17.2) (7.6) (1.9) (1.6) (5.9) (4.0) (1.7) (3.5) (1.4) (2.1) (4.6) (2.0) (3.4) (2.4) (2)
Free Cash Flow 263.3 328.4 160.8 (3.4) 15.9 22.6 61.3 77.1 152.9 206.8 51.8 141.1 105.9 54.6 22.9 39.1 33.0 15.9 38.6 42.0 46.0 43.5 31.2