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Company Analysis

United Fire Group, Inc UFCS

A comprehensive view of key metrics, scores, and financial health for United Fire Group, Inc

Overview of United Fire Group, Inc.

UFCS NMS
Financial Services Insurance - Property & Casualty Small Cap
United Fire Group, Inc. (UFCS), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $36.87, about 4.6% overvalued vs fair value, +26.9% 1Y return, ranked 542/1004 in sector.
$36.87
0.22%
As of March 13, 2026
Previous close • Vol 90d: 33.7%
52-Week Range
Market Cap
$964.50M
Enterprise Value
$954.30M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.ufginsurance.com
HQ Cedar Rapids, IA
Employees 846
Fiscal year Dec 31

Next Events

Earnings May 5 Estimated

Fair Value Snapshot

Bear Base Bull
$20
$35
$66
Current: $36.87 -5% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$86.5M
27.5%%
Interest Expense
$11.3M
Net Interest Income
$-7.3M
-123.3%%
Total Revenue
$1.4B
10.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.9%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$16.6M
26.8% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating United Fire Group, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
44
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
49
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing UFCS's balance between Growth (42.1%), Profitability (24.4%), and Safety (33.5%). Growth 42% Safety 34% Profitability 24%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

59th percentile vs peers
60
Key Signals
Rev Growth YoY 10.8% 60p EPS Growth YoY 3.03 87p Revenue CAGR 3Y 11.9% 57p TSR 30.0% 58p EPS CAGR 3Y -8.9% 26p
Strengths
  • Eps Growth Yoy in top 20% of peers (3.03, 87th percentile)
  • Strong liquidity position vs peers
Risks

No significant risks identified for this axis.

Profitability

34th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
48
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for United Fire Group, Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$35.17
- - -
-4.6% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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