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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 Framework: Insurance & Reinsurance Small Cap
United Fire Group, Inc. (UFCS), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $51.50, about 26.9% overvalued vs fair value, +92.6% 1Y return, ranked 472/1078 in sector.
Metrics P/E 8.1× Rev Growth 10.9% ROE 13.7% Gross Margin 44.8% Div Yield 1.76%
USD 51.50
0.25%
(Delayed)
• Vol 90d: 33.4%
52-Week Range
Market Cap
$1.33B
Enterprise Value
$1.32B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 85%
Updated: Jul 5
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 Aug 4 Estimated

Fair Value Snapshot

Bear Base Bull
$21
$38
$71
Current: $51.50 -27% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.4B
10.9%%
Claims & Losses
$-764.4M
-25.5%%
Underwriting Result
$147.9M
92%%
Net Income
$118.2M
90.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
55.1%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$17.3M
14.6% 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 Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
53
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Moderate
52
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Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing UFCS's balance between Growth (38.5%), Profitability (29.1%), and Safety (32.4%). Growth 39% Safety 32% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

64th percentile vs peers
65
Key Signals
Rev Growth YoY 10.9% 60p Equity Growth YoY 20.4% 72p Revenue CAGR 3Y 12.0% 55p EPS Growth YoY 87.5% 77p Asset Growth YoY 10.1% 68p
Strengths
  • Growth above peer median with strong metric coverage (100%)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

48th percentile vs peers
49
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
55
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$37.66
- - -
-26.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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