United Fire Group (UFCS) Stock Overview
Engages in writing property and casualty insurance in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 4/6 |
| Dividends | 3/6 |
UFCS Community Fair Values
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Analyst Price Targets
United Fire Group, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$50.15 |
| 52 Week High | US$51.55 |
| 52 Week Low | US$25.79 |
| Beta | 0.53 |
| 1 Month Change | 6.23% |
| 3 Month Change | 37.36% |
| 1 Year Change | 76.27% |
| 3 Year Change | 120.73% |
| 5 Year Change | 77.65% |
| Change since IPO | 1,153.75% |
Recent News & Updates
Seeking Alpha • Jun 17
United Fire Group: A Cautious Value Recovery Story After Strong Q1 Results
Summary United Fire Group (UFCS) demonstrates real business quality improvement, with Q1 results showing 11.6% revenue growth and 70% net income increase. UFCS’s underwriting discipline is evident in a 95.6% combined ratio and a 91.9% base combined ratio, reflecting successful risk assessment and cost control. Valuation remains moderate at 9.6x P/E and 1.3x P/B, offering margin of safety as the market has not fully priced in operational recovery. Risks include a still-elevated expense ratio, geographic catastrophe exposure, and potential reserve pressure, making UFCS a cautious value recovery play. Read the full article on Seeking Alpha
Narrative Update • Jun 16
UFCS: Higher Earnings Visibility Will Support A More Balanced Future P/E
Analysts have raised their price target on United Fire Group by $12, reflecting updated views on the stock following recent research that reassessed its fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. Analyst Commentary on United Fire Group Recent research on United Fire Group focuses on how its current share price lines up with updated views on fair value, risk, and earnings power.Narrative Update • Jun 02
UFCS: Higher Revenue Assumptions Will Support More Optimistic Future Earnings Multiple
Analysts have lifted their price target on United Fire Group from $40.50 to $51.00, citing updated assumptions around higher revenue growth, a revised profit margin outlook, a slightly adjusted discount rate, and a higher future P/E multiple. Analyst Commentary Recent research highlights how updated revenue, margin, and valuation assumptions are feeding into the higher price target on United Fire Group.Recent updates
Seeking Alpha • Jun 17
United Fire Group: A Cautious Value Recovery Story After Strong Q1 Results
Summary United Fire Group (UFCS) demonstrates real business quality improvement, with Q1 results showing 11.6% revenue growth and 70% net income increase. UFCS’s underwriting discipline is evident in a 95.6% combined ratio and a 91.9% base combined ratio, reflecting successful risk assessment and cost control. Valuation remains moderate at 9.6x P/E and 1.3x P/B, offering margin of safety as the market has not fully priced in operational recovery. Risks include a still-elevated expense ratio, geographic catastrophe exposure, and potential reserve pressure, making UFCS a cautious value recovery play. Read the full article on Seeking AlphaNarrative Update • Jun 16
UFCS: Higher Earnings Visibility Will Support A More Balanced Future P/E
Analysts have raised their price target on United Fire Group by $12, reflecting updated views on the stock following recent research that reassessed its fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. Analyst Commentary on United Fire Group Recent research on United Fire Group focuses on how its current share price lines up with updated views on fair value, risk, and earnings power.Narrative Update • Jun 02
UFCS: Higher Revenue Assumptions Will Support More Optimistic Future Earnings Multiple
Analysts have lifted their price target on United Fire Group from $40.50 to $51.00, citing updated assumptions around higher revenue growth, a revised profit margin outlook, a slightly adjusted discount rate, and a higher future P/E multiple. Analyst Commentary Recent research highlights how updated revenue, margin, and valuation assumptions are feeding into the higher price target on United Fire Group.Narrative Update • Apr 19
UFCS: Steady Dividend And Lease Exit Will Support Balanced Future Share Pricing
Analysts have kept their $40.50 price target for United Fire Group steady, reflecting unchanged views on fair value, required return, growth assumptions and future P/E for the stock. What's in the News FibroBiologics, Inc.Narrative Update • Apr 03
UFCS: Dividend Continuity And Stable Assumptions Will Support Balanced Future Share Pricing
Analysts have kept their price target for United Fire Group steady at $40.50. This reflects unchanged assumptions around fair value, discount rate, revenue growth, profit margin and future P/E in their models.Narrative Update • Mar 20
UFCS: Dividend Stability And Margins Will Support Balanced Future Share Pricing
Analysts have maintained their price target for United Fire Group at $40.50, indicating no change in their views on fair value, discount rate, revenue growth, profit margin, or future P/E assumptions. What's in the News On February 9, 2026, United Fire Group's board of directors declared a common stock quarterly cash dividend of $0.20 per share.Narrative Update • Mar 04
UFCS: Dividend And Margin Outlook Will Support Fair Share Pricing
Analysts have raised their price target for United Fire Group from $37.50 to $40.50, citing updated assumptions for revenue growth, profit margins, a slightly adjusted discount rate, and future P/E. What's in the News On February 9, 2026, the board of directors of United Fire Group, Inc.Narrative Update • Feb 04
UFCS: Steady Outlook And Proposed Dividend Will Support Fair Share Pricing
Analysts have maintained their price target for United Fire Group at US$37.50, citing broadly consistent assumptions for fair value, discount rate, revenue growth, profit margins and future P/E, which together support a steady view of the company’s outlook. What's in the News A board meeting is scheduled for November 21, 2025, and the agenda includes a proposal to declare a quarterly cash dividend of US$0.16 per share.Narrative Update • Jan 21
UFCS: Stable Earnings And Dividend Outlook Will Support Fair Share Pricing
Analysts have maintained their price target for United Fire Group at $37.50, reflecting largely unchanged assumptions for fair value, discount rate, expected revenue growth, profit margin, and future P/E. What's in the News A board meeting is scheduled for November 21, 2025, with an agenda to declare a quarterly cash dividend of $0.16 per share.Narrative Update • Jan 07
UFCS: Stable Earnings And Dividend Outlook Will Support Fair Share Pricing
Analysts have kept their price target for United Fire Group steady at US$37.50, reflecting largely unchanged views on fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. What's in the News An upcoming board meeting is scheduled for November 21, 2025, focused on regular corporate matters and governance (Key Developments) The agenda for the November 21, 2025, board meeting includes a proposal to declare a quarterly cash dividend of US$0.16 per share (Key Developments) Valuation Changes Fair value: Kept unchanged at US$37.50 per share, indicating no adjustment to the central valuation estimate.Narrative Update • Dec 23
UFCS: Future Dividend And Earnings Profile Will Support Fair Share Pricing
Analysts have nudged their price target for United Fire Group higher by 1.00 dollar to 37.50 dollars, citing slightly stronger projected profitability, a modestly higher future earnings multiple, and stable growth and discount rate assumptions. What's in the News The Board of Directors is scheduled to meet on November 21, 2025, to consider regular corporate matters and strategic updates (Key Developments).Narrative Update • Dec 09
UFCS: Future Dividend And Earnings Profile Will Support Fair Share Pricing
Analysts maintained their United Fire Group price target of $36.50, citing steady expectations for revenue, profit margins, and valuation multiples that continue to support the current fair value assessment. What's in the News The Board of Directors has scheduled a meeting for November 21, 2025, to consider regular corporate matters (company disclosure).Analysis Article • Nov 27
United Fire Group (NASDAQ:UFCS) Will Pay A Dividend Of $0.16
The board of United Fire Group, Inc. ( NASDAQ:UFCS ) has announced that it will pay a dividend of $0.16 per share on...Narrative Update • Nov 25
UFCS: Future Profit Margins Will Improve While Shares Remain Fairly Valued
Analysts have raised their price target for United Fire Group from $34.00 to $36.50. They cite improved profit margins and a lower projected price-to-earnings ratio as key factors behind this upward revision.Narrative Update • Nov 07
UFCS: Future Profitability Will Face Headwinds While Fair Value Is Maintained
Analysts have raised their price target for United Fire Group from $32.00 to $34.00. They cite revised forecasts that reflect moderate changes in key valuation metrics.Analysis Article • Aug 21
United Fire Group (NASDAQ:UFCS) Is Paying Out A Dividend Of $0.16
United Fire Group, Inc. ( NASDAQ:UFCS ) will pay a dividend of $0.16 on the 12th of September. Based on this payment...
New Narrative • Mar 09
New System Implementation Expected To Improve Efficiency And Margins By 2025
Strong net premium growth and improved combined ratio indicate potential for increased revenue and profitability.Analysis Article • Nov 07
The Market Lifts United Fire Group, Inc. (NASDAQ:UFCS) Shares 28% But It Can Do More
United Fire Group, Inc. ( NASDAQ:UFCS ) shareholders have had their patience rewarded with a 28% share price jump in...Analysis Article • Nov 07
Market Might Still Lack Some Conviction On United Fire Group, Inc. (NASDAQ:UFCS) Even After 28% Share Price Boost
The United Fire Group, Inc. ( NASDAQ:UFCS ) share price has done very well over the last month, posting an excellent...Seeking Alpha • Apr 24
United Fire Group: Underwriting Results On An Upswing
Summary United Fire Group's underwriting results worsened in 2023 due to negative reserve developments and high inflation-impacting claims. Poor underwriting results are leading to a hard market, as insurers reprice policies to recoup costs. I expect UFCS to return to profitability in 2024 with better pricing and continued strong investment income. However, until the company actually delivers, I prefer to maintain my hold rating. Read the full article on Seeking AlphaAnalysis Article • Feb 29
United Fire Group (NASDAQ:UFCS) Has Affirmed Its Dividend Of $0.16
The board of United Fire Group, Inc. ( NASDAQ:UFCS ) has announced that it will pay a dividend on the 22nd of March...Analysis Article • Nov 23
United Fire Group (NASDAQ:UFCS) Is Paying Out A Dividend Of $0.16
United Fire Group, Inc.'s ( NASDAQ:UFCS ) investors are due to receive a payment of $0.16 per share on 15th of...Analysis Article • Aug 24
United Fire Group (NASDAQ:UFCS) Will Pay A Dividend Of $0.16
United Fire Group, Inc. ( NASDAQ:UFCS ) has announced that it will pay a dividend of $0.16 per share on the 15th of...Shareholder Returns
| UFCS | US Insurance | US Market | |
|---|---|---|---|
| 7D | 3.9% | 1.9% | -2.7% |
| 1Y | 76.3% | -3.9% | 18.6% |
Return vs Industry: UFCS exceeded the US Insurance industry which returned -1.8% over the past year.
Return vs Market: UFCS exceeded the US Market which returned 20.1% over the past year.
Price Volatility
| UFCS volatility | |
|---|---|
| UFCS Average Weekly Movement | 5.0% |
| Insurance Industry Average Movement | 4.1% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.9% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: UFCS has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: UFCS's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1946 | 846 | Kevin Leidwinger | www.ufginsurance.com |
United Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing. The company also offers marine specialty, professional liability, and earthquake coverages; specialty and surplus lines coverage; and reinsurance coverage for property and casualty insurance.
United Fire Group, Inc. Fundamentals Summary
| UFCS fundamental statistics | |
|---|---|
| Market cap | US$1.31b |
| Earnings (TTM) | US$130.54m |
| Revenue (TTM) | US$1.42b |
9.9x
P/E Ratio0.9x
P/S RatioIs UFCS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UFCS income statement (TTM) | |
|---|---|
| Revenue | US$1.42b |
| Cost of Revenue | US$1.25b |
| Gross Profit | US$176.06m |
| Other Expenses | US$45.52m |
| Earnings | US$130.54m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 5.09 |
| Gross Margin | 12.36% |
| Net Profit Margin | 9.16% |
| Debt/Equity Ratio | 15.4% |
How did UFCS perform over the long term?
See historical performance and comparisonDividends
1.6%
Current Dividend Yield13%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/25 06:58 |
| End of Day Share Price | 2026/06/25 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
United Fire Group, Inc. is covered by 6 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jason Weaver | JonesTrading Institutional Services, LLC |
| Quentin McMillan | Keefe, Bruyette, & Woods |
| Clifford Gallant | Nomura Securities Co. Ltd. |