UFCS - NASDAQ
United Fire Group, Inc.
$43.18
-1.2%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.
At a Glance
Live SnapshotUnited Fire Group, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation
Historical Financial Data
Base year metrics used for projections
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DCF Valuation Summary
Calculation flow from present value to intrinsic value per share
Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $216.2M | $173.4M | $139.0M | $111.4M | $89.3M | $71.6M | $57.4M | $46.0M | $36.9M | $29.6M |
| Maintenance CapEx | -$1.0M | -$828.5K | -$664.2K | -$532.5K | -$426.9K | -$342.2K | -$274.3K | -$219.9K | -$176.3K | -$141.4K |
| Owner Earnings | $215.2M | $172.5M | $138.3M | $110.9M | $88.9M | $71.3M | $57.1M | $45.8M | $36.7M | $29.4M |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $199.3M | $147.9M | $109.8M | $81.5M | $60.5M | $44.9M | $33.3M | $24.7M | $18.4M | $13.6M |
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