United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. More Details
Average dividend payer with moderate growth potential.
Share Price & News
How has United Fire Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: UFCS is not significantly more volatile than the rest 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.
7 Day Return
1 Year Return
Return vs Industry: UFCS underperformed the US Insurance industry which returned 56.9% over the past year.
Return vs Market: UFCS underperformed the US Market which returned 55.2% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is United Fire Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StConsider This Before Buying United Fire Group, Inc. (NASDAQ:UFCS) For The 3.4% Dividend
2 months ago | Simply Wall StDividend Investors: Don't Be Too Quick To Buy United Fire Group, Inc. (NASDAQ:UFCS) For Its Upcoming Dividend
2 months ago | Simply Wall StRead This Before Selling United Fire Group, Inc. (NASDAQ:UFCS) Shares
Is United Fire Group undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate UFCS's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate UFCS's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: UFCS is unprofitable, so we can't compare its PE Ratio to the US Insurance industry average.
PE vs Market: UFCS is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate UFCS's PEG Ratio to determine if it is good value.
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?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UFCS is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2%).
Earnings vs Market: UFCS is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: UFCS's is expected to become profitable in the next 3 years.
Revenue vs Market: UFCS's revenue (2.3% per year) is forecast to grow slower than the US market (9.4% per year).
High Growth Revenue: UFCS's revenue (2.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: UFCS's Return on Equity is forecast to be low in 3 years time (1.8%).
How has United Fire Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UFCS is currently unprofitable.
Growing Profit Margin: UFCS is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: UFCS is unprofitable, and losses have increased over the past 5 years at a rate of 63.6% per year.
Accelerating Growth: Unable to compare UFCS's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: UFCS is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (19.5%).
Return on Equity
High ROE: UFCS has a negative Return on Equity (-13.66%), as it is currently unprofitable.
How is United Fire Group's financial position?
Financial Position Analysis
Short Term Liabilities: UFCS's short term assets ($659.7M) do not cover its short term liabilities ($1.2B).
Long Term Liabilities: UFCS's short term assets ($659.7M) do not cover its long term liabilities ($1.1B).
Debt to Equity History and Analysis
Debt Level: UFCS's debt to equity ratio (6.1%) is considered satisfactory.
Reducing Debt: Insufficient data to determine if UFCS's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: UFCS's debt is well covered by operating cash flow (82.9%).
Interest Coverage: Insufficient data to determine if UFCS's interest payments on its debt are well covered by EBIT.
What is United Fire Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UFCS's dividend (3.78%) is higher than the bottom 25% of dividend payers in the US market (1.24%).
High Dividend: UFCS's dividend (3.78%) is in the top 25% of dividend payers in the US market (3.43%)
Stability and Growth of Payments
Stable Dividend: UFCS's dividend payments have been volatile in the past 10 years.
Growing Dividend: UFCS's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: UFCS is paying a dividend but the company is unprofitable.
Future Payout to Shareholders
Future Dividend Coverage: UFCS's dividends in 3 years are forecast to be well covered by earnings (40.5% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Randy Ramlo (59 yo)
Mr. Randy Allan Ramlo serves as President and Director of United Fire & Casualty Company. Mr. Ramlo has been the President and Chief Executive Officer of United Fire Group, Inc. since May 2007 and has been...
CEO Compensation Analysis
Compensation vs Market: Randy's total compensation ($USD2.12M) is about average for companies of similar size in the US market ($USD2.32M).
Compensation vs Earnings: Randy's compensation has been consistent with company performance over the past year.
Experienced Management: UFCS's management team is seasoned and experienced (5.8 years average tenure).
Experienced Board: UFCS's board of directors are seasoned and experienced ( 10.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: UFCS insiders have only sold shares 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 company bio, 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
- Market Cap: US$798.805m
- Shares outstanding: 25.12m
- Website: https://www.ufginsurance.com
Number of Employees
- United Fire Group, Inc.
- 118 Second Avenue SE
- Cedar Rapids
- United States
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 pr...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/06 01:08|
|End of Day Share Price||2021/05/05 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.