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$31.49|
|52 Week High||US$33.01|
|52 Week Low||US$19.85|
|1 Month Change||6.49%|
|3 Month Change||9.72%|
|1 Year Change||-2.87%|
|3 Year Change||-34.14%|
|5 Year Change||-26.51%|
|Change since IPO||525.17%|
Recent News & Updates
|UFCS||US Insurance||US Market|
Return vs Industry: UFCS underperformed the US Insurance industry which returned 3.5% over the past year.
Return vs Market: UFCS exceeded the US Market which returned -8.1% over the past year.
|UFCS Average Weekly Movement||4.6%|
|Insurance Industry Average Movement||5.1%|
|Market Average Movement||7.9%|
|10% most volatile stocks in US Market||17.0%|
|10% least volatile stocks in US Market||3.0%|
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
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|
Is UFCS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|UFCS income statement (TTM)|
|Cost of Revenue||US$897.62m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||3.59|
|Net Profit Margin||8.93%|
How did UFCS perform over the long term?See historical performance and comparison
1.9%Current Dividend Yield
Is United Fire Group undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Price to Earnings (PE) ratio
Share Price vs. Fair Value
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 Ratio
PE vs Industry: UFCS is good value based on its PE Ratio (8.8x) compared to the US Insurance industry average (11.5x).
PE vs Market: UFCS is good value based on its PE Ratio (8.8x) compared to the US market (16x).
Price to Earnings Growth Ratio
PEG Ratio: UFCS's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: UFCS is good value based on its PB Ratio (0.9x) compared to the US Insurance industry average (1.1x).
How is United Fire Group forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 (4.3% per year) is forecast to grow slower than the US market (7.8% per year).
High Growth Revenue: UFCS's revenue (4.3% 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
How has United Fire Group performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
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.
How is United Fire Group's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
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 ($57.3M).
Debt to Equity History and Analysis
Debt Level: UFCS has more cash than its total debt.
Reducing Debt: Insufficient data to determine if UFCS's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: UFCS's debt is well covered by operating cash flow (24%).
Interest Coverage: UFCS's interest payments on its debt are well covered by EBIT (28.3x coverage).
What is United Fire Group current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UFCS's dividend (1.91%) is higher than the bottom 25% of dividend payers in the US market (1.51%).
High Dividend: UFCS's dividend (1.91%) is low compared to the top 25% of dividend payers in the US market (3.97%).
Stability and Growth of Payments
Stable Dividend: UFCS's dividend payments have been volatile in the past 10 years.
Growing Dividend: UFCS's dividend payments have not increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its low payout ratio (16.7%), UFCS's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: UFCS is paying a dividend but the company has no free cash flows.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Randy Ramlo (60 yo)
Mr. Randy Allan Ramlo serves as President and Director of United Fire & Casualty Company. Mr. Ramlo has been the President, Principal Executive Officer and Chief Executive Officer of United Fire Group, Inc...
CEO Compensation Analysis
Compensation vs Market: Randy's total compensation ($USD2.39M) is below average for companies of similar size in the US market ($USD3.93M).
Compensation vs Earnings: Randy's compensation has been consistent with company performance over the past year.
Experienced Management: UFCS's management team is considered experienced (4.5 years average tenure).
Experienced Board: UFCS's board of directors are seasoned and experienced ( 13.4 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
United Fire Group, Inc.'s employee growth, exchange listings and data sources
- Name: United Fire Group, Inc.
- Ticker: UFCS
- Exchange: NasdaqGS
- Founded: 1946
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: US$780.683m
- Shares outstanding: 25.13m
- Website: https://www.ufginsurance.com
Number of Employees
- United Fire Group, Inc.
- 118 Second Avenue SE
- Cedar Rapids
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/18 00:00|
|End of Day Share Price||2022/05/18 00:00|
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.