Snowflake Score | |
---|---|
Valuation | 2/6 |
Future Growth | 0/6 |
Past Performance | 2/6 |
Financial Health | 4/6 |
Dividends | 2/6 |
UFCS Stock Overview
United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States.
United Fire Group Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | US$37.12 |
52 Week High | US$37.26 |
52 Week Low | US$19.85 |
Beta | 0.084 |
1 Month Change | 17.17% |
3 Month Change | 21.23% |
1 Year Change | 35.08% |
3 Year Change | -23.40% |
5 Year Change | -15.75% |
Change since IPO | 636.94% |
Recent News & Updates
Shareholder Returns
UFCS | US Insurance | US Market | |
---|---|---|---|
7D | 14.0% | 5.5% | 6.6% |
1Y | 35.1% | 1.6% | -18.4% |
Return vs Industry: UFCS exceeded the US Insurance industry which returned 1.6% over the past year.
Return vs Market: UFCS exceeded the US Market which returned -18.4% over the past year.
Price Volatility
UFCS volatility | |
---|---|
UFCS Average Weekly Movement | 4.7% |
Insurance Industry Average Movement | 5.0% |
Market Average Movement | 8.1% |
10% most volatile stocks in US Market | 16.6% |
10% least volatile stocks in US Market | 3.2% |
Stable Share Price: UFCS is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: UFCS's weekly volatility (5%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1946 | 1,086 | Randy Ramlo | https://www.ufginsurance.com |
United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. The company offers commercial and personal lines of property and casualty insurance; and commercial multiple peril and inland marine insurance, as well as assumed reinsurance products. Its commercial policies include fire and allied lines, other liability, automobile, workers’ compensation, and fidelity and surety coverage; and personal lines comprise automobile, and fire and allied lines coverage, including homeowners.
United Fire Group Fundamentals Summary
UFCS fundamental statistics | |
---|---|
Market Cap | US$932.70m |
Earnings (TTM) | US$90.24m |
Revenue (TTM) | US$1.01b |
10.3x
P/E Ratio0.9x
P/S RatioIs UFCS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
UFCS income statement (TTM) | |
---|---|
Revenue | US$1.01b |
Cost of Revenue | US$897.62m |
Gross Profit | US$112.85m |
Other Expenses | US$22.61m |
Earnings | US$90.24m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
Earnings per share (EPS) | 3.59 |
Gross Margin | 11.17% |
Net Profit Margin | 8.93% |
Debt/Equity Ratio | 6.0% |
How did UFCS perform over the long term?
See historical performance and comparisonDividends
1.6%
Current Dividend Yield17%
Payout RatioValuation
Is UFCS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for UFCS?
Other financial metrics that can be useful for relative valuation.
What is UFCS's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | US$932.70m |
Key Statistics | |
---|---|
Enterprise Value/Revenue | 0.9x |
Enterprise Value/EBITDA | 7.3x |
PEG Ratio | -0.5x |
Price to Earnings Ratio vs Peers
How does UFCS's PE Ratio compare to its peers?
UFCS PE Ratio vs Peers |
---|
Company | PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 12.7x | ||
AMSF AMERISAFE | 15.5x | -12.0% | US$989.9m |
EIG Employers Holdings | 12.2x | -18.2% | US$1.1b |
SAFT Safety Insurance Group | 13.5x | n/a | US$1.4b |
PRA ProAssurance | 9.5x | -37.1% | US$1.3b |
UFCS United Fire Group | 10.3x | -21.8% | US$932.7m |
Price-To-Earnings vs Peers: UFCS is good value based on its Price-To-Earnings Ratio (10.3x) compared to the peer average (12.7x).
Price to Earnings Ratio vs Industry
How does UFCS's PE Ratio compare vs other companies in the US Insurance Industry?
Price-To-Earnings vs Industry: UFCS is good value based on its Price-To-Earnings Ratio (10.3x) compared to the US Insurance industry average (12x)
Price to Earnings Ratio vs Fair Ratio
What is UFCS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
Fair Ratio | |
---|---|
Current PE Ratio | 10.3x |
Fair PE Ratio | 10x |
Price-To-Earnings vs Fair Ratio: UFCS is expensive based on its Price-To-Earnings Ratio (10.3x) compared to the estimated Fair Price-To-Earnings Ratio (10x).
Share Price vs Fair Value
What is the Fair Price of UFCS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate UFCS's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate UFCS's fair value for valuation analysis.
Price to Earnings Growth Ratio
PEG Ratio: UFCS's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
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Future Growth
How is United Fire Group forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
-21.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UFCS's earnings are forecast to decline over the next 3 years (-21.8% per year).
Earnings vs Market: UFCS's earnings are forecast to decline over the next 3 years (-21.8% per year).
High Growth Earnings: UFCS's earnings are forecast to decline over the next 3 years.
Revenue vs Market: UFCS's revenue (6% per year) is forecast to grow slower than the US market (8.4% per year).
High Growth Revenue: UFCS's revenue (6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if UFCS's Return on Equity is forecast to be high in 3 years time
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Past Performance
How has United Fire Group performed over the past 5 years?
Past Performance Score
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-22.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UFCS has high quality earnings.
Growing Profit Margin: UFCS became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: UFCS's earnings have declined by 22.7% per year over the past 5 years.
Accelerating Growth: UFCS has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: UFCS has become profitable in the last year, making it difficult to compare its past year earnings growth to the Insurance industry (-2.6%).
Return on Equity
High ROE: UFCS's Return on Equity (10.8%) is considered low.
Discover strong past performing companies
Financial Health
How is United Fire Group's financial position?
Financial Health Score
4/6Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: UFCS's short term assets ($617.1M) do not cover its short term liabilities ($2.0B).
Long Term Liabilities: UFCS's short term assets ($617.1M) exceed its long term liabilities ($57.3M).
Debt to Equity History and Analysis
Debt Level: UFCS has more cash than its total debt.
Reducing Debt: Insufficient data to determine if UFCS's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: UFCS's debt is well covered by operating cash flow (24%).
Interest Coverage: UFCS's interest payments on its debt are well covered by EBIT (28.3x coverage).
Balance Sheet
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Dividend
What is United Fire Group current dividend yield, its reliability and sustainability?
Dividend Score
2/6Dividend Score 2/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
1.62%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UFCS's dividend (1.62%) is higher than the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: UFCS's dividend (1.62%) is low compared to the top 25% of dividend payers in the US market (4.24%).
Stability and Growth of Payments
Stable Dividend: UFCS's dividend payments have been volatile in the past 10 years.
Growing Dividend: UFCS's dividend payments have not increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its low payout ratio (16.7%), UFCS's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: UFCS is paying a dividend but the company has no free cash flows.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
4.6yrs
Average management tenure
CEO
Randy Ramlo (60 yo)
15.08yrs
Tenure
US$2,387,206
Compensation
Mr. Randy Allan Ramlo serves as President and Director of United Fire & Casualty Company. Mr. Ramlo has been the President, Principal Executive Officer and Chief Executive Officer of United Fire Group, Inc...
CEO Compensation Analysis
Compensation vs Market: Randy's total compensation ($USD2.39M) is below average for companies of similar size in the US market ($USD4.02M).
Compensation vs Earnings: Randy's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: UFCS's management team is considered experienced (4.6 years average tenure).
Board Members
Experienced Board: UFCS's board of directors are seasoned and experienced ( 11.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: UFCS insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
United Fire Group, Inc.'s employee growth, exchange listings and data sources
Key Information
- Name: United Fire Group, Inc.
- Ticker: UFCS
- Exchange: NasdaqGS
- Founded: 1946
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: US$932.699m
- Shares outstanding: 25.13m
- Website: https://www.ufginsurance.com
Number of Employees
Location
- United Fire Group, Inc.
- 118 Second Avenue SE
- Cedar Rapids
- Iowa
- 52401
- United States
Listings
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/06/26 00:00 |
End of Day Share Price | 2022/06/24 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2021/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.