UFCS - NASDAQ

United Fire Group, Inc.

UFCS·NASDAQ

$43.18

-1.2%

Financial ServicesInsurance - Property & Casualty

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$1.11B

EPS4.4800

P/E Ratio9.64

Earnings Date08/04/2026

3.84B

Assets

10%

3Y+33.0%

5Y+25.0%

10Y-5.0%

2.90B

Total Liabilities

3Y+35.0%

5Y+29.0%

10Y-7.0%

941.17M

Total Equity

20%

3Y+27.0%

5Y+14.0%

10Y-

United Fire Group, Inc. Funding & Solvency Profile

UFCS · NASDAQ

Current Assets

Cash & Cash Equivalents156.33M

Net Receivables497.92M

Inventory0.00

Other Current Assets-497.92M

Total Current Assets156 M

Non-Current Assets

Property, Plant & Equipment145.43M

Goodwill & Intangible Assets3.20M

Long-Term Investments1.35B

Other Non-Current Assets2.12B

Total Non-Current Assets4 B

Total Assets

3.84B

Financial Health Analysis

Current Ratio

0.06x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

3.08x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-2428704000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

4% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

United Fire Group, Inc. Balance Sheet

UFCS • NASDAQ

United Fire Group, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	156.3M	200.9M	102M	96.7M	132.1M	87.9M	120.7M	64.5M	95.6M	110.9M	106.4M	90.6M	92.2M	107.5M	18.9M	180.1M	0.0	0.0	252.6M	255M
Short-Term Investments	1.1B	927M	100K	275K	275K	175K	175K	175K	175K	175K	175K	175K	800K	800K	401.5M	1.1M	132.7M	26.1M	78.3M	28.3M
Cash & Short-Term Investments	156.3M	1.1B	102.1M	96.9M	132.4M	88.1M	120.9M	64.6M	95.7M	111M	106.6M	90.7M	93M	108.3M	145.6M	181.2M	198.2M	135.7M	330.9M	283.3M
Net Receivables	497.9M	695.8M	464.8M	365.7M	477M	544M	357.6M	346.8M	328.5M	306.2M	276.5M	249M	218.6M	188.3M	0.0	124.5M	0.0	0.0	121.1M	126.7M
Accounts Receivables	497.9M	681.6M	464.8M	365.7M	444.6M	477.8M	357.6M	408.2M	328.5M	306.2M	276.5M	249M	218.6M	188.3M	300.9M	124.5M	127.5M	134.3M	121.1M	126.7M
Other Receivables	0.0	14.2M	0.0	0.0	32.4M	66.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Prepaids	0.0	44.9M	0.0	0.0	9.3M	13M	0.0	7.1M	3.7M	3.8M	3.8M	3.6M	3.2M	3M	6.2M	1.6M	1.7M	1.6M	2.6M	5.6M
Other Current Assets	-497.9M	-1.9B	0.0	0.0	-618.7M	-645.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	156.3M	0.0	566.9M	462.7M	0.0	0.0	478.5M	411.5M	424.3M	417.2M	383.1M	339.8M	311.6M	296.6M	420.4M	305.6M	132.7M	26.1M	452M	410M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	145.4M	136M	134.2M	133.1M	137.7M	129.9M	117M	97.2M	69M	55.5M	53.2M	49.2M	47.2M	43.1M	15M	21.6M	0.0	0.0	0.0	0.0
Goodwill	0.0	0.0	0.0	0.0	0.0	0.0	15.1M	15.1M	15.1M	15.1M	15.1M	15.1M	15.1M	15.1M	15.1M	0.0	0.0	0.0	0.0	0.0
Intangible Assets	3.2M	3.9M	4.6M	5.3M	6M	6.7M	7.5M	8.2M	8.9M	9.6M	10.4M	11.2M	12M	13.2M	15.7M	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	3.2M	3.9M	4.6M	5.3M	6M	6.7M	22.5M	23.3M	24M	24.7M	25.5M	26.3M	27M	28.3M	32.3M	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	1.3B	1.9B	0.0	0.0	1.9B	2B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Tax Assets	73.4M	0.0	13.6M	15.5M	0.0	0.0	0.0	912K	6M	35.6M	14.7M	25.8M	21.9M	19.6M	2.8M	19.8M	0.0	0.0	39.5M	44M
Other Non-Current Assets	2.1B	-2B	0.0	0.0	-2.1B	-2.2B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Non-Current Assets	3.7B	0.0	152.5M	154M	0.0	0.0	139.5M	121.4M	98.9M	115.9M	93.4M	101.3M	96.2M	91M	50.1M	41.4M	0.0	0.0	39.5M	44M
Other Assets	3B	3.5B	2.4B	2.3B	3B	3.1B	2.4B	2.3B	3.7B	3.5B	3.4B	3.4B	3.3B	3.3B	156.2M	2.7B	2.3B	2.1B	2.3B	2.3B
Total Assets	3.8B	3.5B	3.1B	2.9B	3B	3.1B	3B	2.8B	4.2B	4.1B	3.9B	3.9B	3.7B	3.7B	626.7M	3B	2.4B	2.1B	2.8B	2.8B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.9M	5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.9M	5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Accrued Expenses	0.0	0.0	142.6M	93.6M	102.8M	126.6M	139.6M	122.9M	167.4M	147.1M	200.6M	212.6M	142.7M	164.1M	0.0	0.0	0.0	0.0	0.0	0.0
Short Term Debt	7.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.9M	5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Deferred Revenue	660.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	1.9B	0.0	0.0	1.4B	-102.8M	-126.6M	0.0	1.3B	1.2B	1.1B	-200.6M	-212.6M	0.0	2.4B	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Liabilities	2.6B	0.0	142.6M	1.5B	0.0	0.0	139.6M	1.4B	1.3B	1.2B	4.9M	5M	142.7M	2.5B	0.0	0.0	0.0	0.0	0.0	0.0
NON-CURRENT LIABILITIES
Long Term Debt	146.2M	117.1M	50M	50M	50M	50M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	60.6M	0.0	0.0	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	58M	0.0	0.0	0.0	26.8M	24.9M	20.6M	0.0	6M	0.0	0.0	0.0	0.0	19.6M	13.6M	19.8M	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	2.5B	-117.1M	2.2B	2B	-76.8M	-74.9M	1.9B	1.8B	3.2B	3B	3B	3B	2.8B	-19.6M	282.8M	198.8M	2.2B	0.0	2B	2.1B
Total Non-Current Liabilities	2.7B	0.0	2.3B	2B	0.0	0.0	2B	1.8B	3.2B	3B	3B	3B	2.8B	0.0	357.1M	218.6M	2.2B	0.0	2B	2.1B
Other Liabilities	0.0	2.7B	0.0	-1.4B	2.1B	2.2B	0.0	-1.3B	-1.3B	-1.1B	0.0	0.0	0.0	0.0	2.9B	2.3B	2.2B	2B	0.0	0.0
Capital Lease Obligations	13.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	2.9B	2.7B	2.4B	2.1B	2.1B	2.2B	2.1B	1.9B	3.2B	3.1B	3B	3B	2.9B	3B	435.2M	2.3B	0.0	0.0	2B	2.1B
SHAREHOLDERS' EQUITY
Common Stock	25K	25K	25K	25K	25K	25K	25K	25K	25K	25K	25K	25K	25K	25K	25K	87.3M	88.4M	88.7M	90.7M	92.2M
Additional Paid-In Capital	223.9M	215.9M	210M	207M	203.4M	202.4M	200.2M	203.4M	196.3M	216.5M	207.4M	202.7M	211.6M	208.5M	213M	136.1M	139.4M	138.5M	149.5M	161.5M
Retained Earnings	722.3M	620.4M	574.7M	620.6M	621.4M	555.9M	697.1M	715.5M	608.7M	616.3M	591M	523.5M	484.1M	425.4M	0.0	416M	0.0	0.0	439.9M	343.8M
Accumulated Other Comprehensive Income/Loss	-5.1M	-54.8M	-51M	-87.5M	54.3M	66.9M	13.2M	-30.5M	168.3M	109.1M	80.4M	91.2M	87.2M	95.2M	0.0	77M	0.0	0.0	71.5M	83.4M
Total Stockholders' Equity	941.2M	781.5M	733.7M	740.1M	879.1M	825.1M	910.5M	888.4M	973.4M	941.9M	878.9M	817.4M	782.8M	729.2M	191.5M	716.4M	0.0	0.0	751.5M	680.8M
Total Equity	941.2M	781.5M	733.7M	740.1M	879.1M	825.1M	910.5M	888.4M	973.4M	941.9M	878.9M	817.4M	782.8M	729.2M	191.5M	716.4M	0.0	0.0	751.5M	680.8M
SUMMARY
Total Liabilities & Equity	3.8B	3.5B	3.1B	2.9B	3B	3.1B	3B	2.8B	4.2B	4.1B	3.9B	3.9B	3.7B	3.7B	626.7M	3B	2.4B	2.1B	2.8B	2.8B
Total Investments	2.5B	2.1B	100K	275K	2.1B	2.1B	175K	2.1B	1.9B	1.8B	3.1B	3.2B	3.1B	3B	2.9B	2.5B	2.4B	2.1B	2.1B	2.1B
Total Debt	167M	117.1M	50M	50M	50M	50M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	60.6M	0.0	0.0	0.0	0.0	0.0
Net Debt	10.6M	-83.9M	-52M	-46.7M	-82.1M	-37.9M	-120.7M	-64.5M	-95.6M	-110.9M	-106.4M	-90.6M	-92.2M	-107.5M	-18.9M	-180.1M	0.0	0.0	-252.6M	-255M
Shares Outstanding	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300	25,514,300

SEC Filings

UFCS - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 26, 2026	May 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 20, 2026	May 20, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 06, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 05, 2026	May 05, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 21, 2026	April 21, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 07, 2026	May 20, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 26, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 11, 2026	February 09, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 26, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 21, 2025	November 21, 2025	2025	View Filing

Showing 1 to 10 of 502 filings

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