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UFCS stock logo

UFCS

United Fire Group, Inc.

$37.58
0.89
 (2.43%)
Exchange:  NASDAQ
Market Cap:  959.119M
Shares Outstanding:  17.146M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Property & Casualty
   
CEO:  Kevin James Leidwinger
Full Time Employees:  877
Address: 
118 Second Avenue SE
Cedar Rapids
IA
52401
US
Website:  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. The company sells its products through a network of independent agencies. United Fire Group, Inc. was founded in 1946 and is headquartered in Cedar Rapids, Iowa.

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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.

2025/05/10 — Q1 quarter 2025

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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-25,95395,219159,203
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 Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,528,423.906Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,538,144.093Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)1,533,284Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)89,067.962Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)89,634.400Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)89,351.181Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)104,739.182Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)105,606.094Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)105,172.638Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)0Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)0Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)0Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.990Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.970Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.253B  ?P/S
 (TTM)
: 
0.75
?Net Income
 (TTM)
: 
61.957M  ?P/E
 (TTM)
: 
9.04
?Enterprise Value
 (TTM)
: 
1.045B  ?EV/FCF
 (TTM)
: 
3.97
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.14
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
-0.05
?Net Debt
 (TTM)
: 
-52855000  ?Debt/Equity
 (TTM)
: 
0.18
?P/B
 (TTM)
: 
1.13  ?Current Ratio
 (TTM)
: 
0.06

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Forward P/E Ratios

?

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

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.86Full AccessFull AccessFull AccessFull 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.


Calculate UFCS Intrinsic Value

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

2.43
MARKETSnap

Trading Metrics:

Open: 36.37   Previous Close: 36.69
Day Low: 36.31   Day High: 37.7
Year Low: 25.01   Year High: 40.63
Price Avg 50: 37.24   Price Avg 200: 33.28
Volume: 89569   Average Volume: 119400

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See in Nexus

Relevant news

United Fire Group, Inc. announces its first quarter 2026 earnings call
21-04-2026 12:30
United Fire Group, Inc. announces its first quarter 2026 earnings call
Are Investors Undervaluing United Fire Group (UFCS) Right Now?
03-04-2026 10:40
Are Investors Undervaluing United Fire Group (UFCS) Right Now?
United Fire Group, Inc. (UFCS) Q4 2025 Earnings Call Transcript
11-02-2026 12:34
United Fire Group, Inc. (UFCS) Q4 2025 Earnings Call Transcript
Contrasting United Fire Group (NASDAQ:UFCS) & Investors Title (NASDAQ:ITIC)
05-12-2025 02:16
Contrasting United Fire Group (NASDAQ:UFCS) & Investors Title (NASDAQ:ITIC)

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