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UFCS stock logo

UFCS

United Fire Group, Inc.

$53.59
-0.46
 (-0.85%)
Exchange:  NASDAQ
Market Cap:  1.375B
Shares Outstanding:  17.146M
Delayed data
Calculate UFCS Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Property & Casualty
   
CEO:  Kevin James Leidwinger
Full Time Employees:  846
Address: 
118 Second Avenue SE
Cedar Rapids
IA
52401
US
Website:  https://www.ufginsurance.com
Headquartered in Cedar Rapids, Iowa, United Fire Group, Inc. (UFCS) operates throughout the United States, specializing in property and casualty insurance solutions for both personal and commercial clients. The company’s diverse portfolio includes commercial multiple peril, inland marine, and various commercial property and casualty coverages such as fire and allied lines, general liability, automobile, workers’ compensation, and fidelity and surety bonds. For individuals, they offer automobile and fire and allied lines policies, including homeowners’ insurance. Additionally, United Fire Group engages in assumed reinsurance. Distribution of these offerings occurs through a network of independent agencies. The firm has been providing these services since its establishment in 1946.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/05/06 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,098,3311,251,8601,386,412
Gross Profit83,926225,917622,010
EBITDA-25,95395,219169,973
Operating Income-39,72177,034147,936
Net Income-29,70061,957118,191

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets3,144,1903,488,4693,840,789
Total Liabilities2,410,4452,706,9382,899,619
Total Stockholders Equity733,745781,531941,170
Total Debt50,000117,0590
Cash and Cash Equivalents102,046200,949156,332

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow171,736340,3040
Capital Expenditure-10,886-11,8700
Free Cash Flow160,850328,4340
Net Income-29,70061,957118,191
Net Change in Cash5,39698,903-200,949

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)1,681,083.691Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)1,876,098.308Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)1,778,591Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)100,575.934Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)112,243.276Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)106,409.605Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)123,204.208Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)132,095.206Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)126,104Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)0Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)0Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)0Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)4.840Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)5.010Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)4.670Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.253B  ?P/S
 (TTM)
: 
0.92
?Net Income
 (TTM)
: 
61.957M  ?P/E
 (TTM)
: 
9.69
?Enterprise Value
 (TTM)
: 
1.367B  ?EV/FCF
 (TTM)
: 
5.09
?Dividend Yield
 (TTM)
: 
1.36%  ?Payout Ratio
 (TTM)
: 
13.07%
?ROE
 (TTM)
: 
14.97%  ?ROIC
 (TTM)
: 
15.84%
?Net Debt
 (TTM)
: 
-52855000  ?Debt/Equity
 (TTM)
: 
0.15
?P/B
 (TTM)
: 
1.39  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
11.10Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates UFCS intrinsic value between $130.86 – $186.46 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about UFCS valuation

Is United Fire Group, Inc. (UFCS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for United Fire Group, Inc. (UFCS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is UFCS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether UFCS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is UFCS’s P/E ratio?

You can see UFCS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for UFCS?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is UFCS a good long-term investment?

Whether UFCS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

UFCS

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.85
MARKETSnap

Trading Metrics:

Open: 53.5   Previous Close: 54.05
Day Low: 52.91   Day High: 53.92
Year Low: 29.74   Year High: 55.82
Price Avg 50: 52.07   Price Avg 200: 42.28
Volume: 22784   Average Volume: 145778

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Relevant news

United Fire Group, Inc. declares quarterly cash dividend of $0.20 per share and announces new board appointment
21-08-2026 16:01
United Fire Group, Inc. declares quarterly cash dividend of $0.20 per share and announces new board appointment
United Fire Group, Inc (UFCS) Hits Fresh High: Is There Still Room to Run?
11-05-2026 10:16
United Fire Group, Inc (UFCS) Hits Fresh High: Is There Still Room to Run?
United Fire Group Q2 Earnings Call Highlights
04-08-2026 14:05
United Fire Group Q2 Earnings Call Highlights
United Fire Group, Inc. announces its second quarter 2026 earnings call
17-07-2026 12:45
United Fire Group, Inc. announces its second quarter 2026 earnings call
United Fire Group (UFCS) Is Up 8.82% in One Week: What You Should Know
03-07-2026 13:00
United Fire Group (UFCS) Is Up 8.82% in One Week: What You Should Know
United Fire Group, Inc. (UFCS) Shareholder/Analyst Call Prepared Remarks Transcript
20-05-2026 13:30
United Fire Group, Inc. (UFCS) Shareholder/Analyst Call Prepared Remarks Transcript

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