image
Financial Services - Insurance - Property & Casualty - NASDAQ - US
$ 28.59
0.07 %
$ 728 M
Market Cap
11.26
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one UFCS stock under the worst case scenario is HIDDEN Compared to the current market price of 28.6 USD, United Fire Group, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one UFCS stock under the base case scenario is HIDDEN Compared to the current market price of 28.6 USD, United Fire Group, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one UFCS stock under the best case scenario is HIDDEN Compared to the current market price of 28.6 USD, United Fire Group, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart UFCS

image
$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
86.5 M REVENUE
-92.11%
84.3 M OPERATING INCOME
312.26%
62 M NET INCOME
308.61%
340 M OPERATING CASH FLOW
98.16%
-292 M INVESTING CASH FLOW
-95.14%
51.1 M FINANCING CASH FLOW
410.48%
21.1 M REVENUE
-41.83%
21.9 M OPERATING INCOME
-44.74%
17.7 M NET INCOME
-43.71%
35.7 M OPERATING CASH FLOW
-77.18%
-48.2 M INVESTING CASH FLOW
67.77%
-4.79 M FINANCING CASH FLOW
-42.64%
Balance Sheet United Fire Group, Inc.
image
Current Assets 652 M
Cash & Short-Term Investments 201 M
Receivables 451 M
Other Current Assets 0
Non-Current Assets 163 M
Long-Term Investments 0
PP&E 136 M
Other Non-Current Assets 26.9 M
24.67 %55.33 %16.69 %3.30 %Total Assets$814.8m
Current Liabilities 1.75 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 1.75 B
Non-Current Liabilities 2.71 B
Long-Term Debt 117 M
Other Non-Current Liabilities 2.59 B
39.22 %58.15 %Total Liabilities$4.5b
EFFICIENCY
Earnings Waterfall United Fire Group, Inc.
image
Revenue 86.5 M
Cost Of Revenue 7.28 M
Gross Profit 79.2 M
Operating Expenses 2.17 M
Operating Income 84.3 M
Other Expenses 22.4 M
Net Income 62 M
90m90m80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0086m(7m)79m(2m)84m(22m)62mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
91.58% GROSS MARGIN
91.58%
97.49% OPERATING MARGIN
97.49%
71.64% NET MARGIN
71.64%
7.93% ROE
7.93%
1.78% ROA
1.78%
-7.28% ROIC
-7.28%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis United Fire Group, Inc.
image
350m350m300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 62 M
Depreciation & Amortization 10.9 M
Capital Expenditures -11.9 M
Stock-Based Compensation 5.52 M
Change in Working Capital 204 M
Others 257 M
Free Cash Flow 328 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets United Fire Group, Inc.
image
Wall Street analysts predict an average 1-year price target for UFCS of $26 , with forecasts ranging from a low of $26 to a high of $26 .
UFCS Lowest Price Target Wall Street Target
26 USD -9.06%
UFCS Average Price Target Wall Street Target
26 USD -9.06%
UFCS Highest Price Target Wall Street Target
26 USD -9.06%
Price
Max Price Target
Min Price Target
Average Price Target
32323030282826262424222220201818Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
0.54% DIVIDEND YIELD
0.16 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
4.004.003.503.503.003.002.502.502.002.001.501.501.001.000.500.500.000.000.20.220.250.280.310.330.150.150.160.160.160.220.250.280.310.330.330.150.160.160.160.160.220.250.2830.310.330.330.150.160.160.160.220.860.250.970.281.090.313.900.331.280.151.140.150.780.160.620.160.640.160.640.482015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership United Fire Group, Inc.
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
419 K USD 2
6-9 MONTHS
181 K USD 2
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
148 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
135 K USD 3
9-12 MONTHS
7. News
Is United Fire Group (UFCS) a Great Value Stock Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 5 days ago
5 Mid & Small-Cap Stock Picks From the Booming P&C Insurance Industry HRTG, HGTY, HCI, PLMR and UFCS shine as mid- and small-cap P&C insurers gain from pricing power and underwriting strength. zacks.com - 2 weeks ago
KINS vs. UFCS: Which Regional Insurer Offers Better Value Investment? Despite a rise in catastrophic events, the property and casualty insurance industry is projected to grow, supported by a strong emphasis on personalized products and enhanced customer engagement through digital innovation. Higher premium volumes —driven by solid policyholder retention, broader exposure across business lines and favorable pricing — are helping insurers sustain profitability. zacks.com - 2 weeks ago
Should Value Investors Buy United Fire Group (UFCS) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 3 weeks ago
United Fire Group, Inc. declares quarterly cash dividend of $0.16 per share CEDAR RAPIDS, Iowa, May 21, 2025 (GLOBE NEWSWIRE) -- Today, the board of directors of United Fire Group, Inc. (UFG) (Nasdaq: UFCS) declared a common stock quarterly cash dividend of $0.16 per share. This dividend will be payable June 20, 2025, to shareholders of record as of June 6, 2025. globenewswire.com - 1 month ago
United Fire Group, Inc. reports on annual meeting of shareholders Director elections to the board of directors announced Director elections to the board of directors CEDAR RAPIDS, Iowa, May 21, 2025 (GLOBE NEWSWIRE) -- United Fire Group, Inc. (UFG) (Nasdaq: UFCS) announced today that its shareholders elected three Class B directors to its 11-member board of directors at the 2025 annual meeting of shareholders held on May 21, 2025. The following individuals were each elected as Class B directors to serve three-year terms expiring in 2028: John-Paul Besong, retired chief information officer executive. globenewswire.com - 1 month ago
Are Investors Undervaluing United Fire Group (UFCS) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
United Fire Group, Inc. (UFCS) Q1 2025 Earnings Call Transcript United Fire Group, Inc. (NASDAQ:UFCS ) Q1 2025 Earnings Conference Call May 7, 2025 11:00 AM ET Company Participants Tim Borst – Investor Relations Kevin Leidwinger – President and Chief Executive Officer Julie Stephenson – Executive Vice President and Chief Operating Officer Eric Martin – Executive Vice President and Chief Financial Officer Conference Call Participants Matthew Erdner – Jones Trading Operator Good day, and welcome to the United Fire Group Insurance 2025 First Quarter Conference Call. All participants will be in listen-only mode. seekingalpha.com - 1 month ago
United Fire Group (UFCS) Surpasses Q1 Earnings Estimates United Fire Group (UFCS) came out with quarterly earnings of $0.70 per share, beating the Zacks Consensus Estimate of $0.62 per share. This compares to earnings of $0.56 per share a year ago. zacks.com - 1 month ago
United Fire Group, Inc. reports first quarter 2025 results First quarter net income of $0.67 per diluted share  and adjusted operating income of $0.70 per diluted share globenewswire.com - 1 month ago
United Fire Group, Inc. announces its first quarter 2025 earnings call CEDAR RAPIDS, Iowa, April 23, 2025 (GLOBE NEWSWIRE) -- United Fire Group, Inc. (Nasdaq: UFCS) (UFG) announced today that its first quarter 2025 earnings results will be released after the market closes on Tuesday, May 6, 2025. An earnings call will be held on Wednesday, May 7, 2025, at 10 a.m. CT to allow securities analysts, shareholders and other interested parties the opportunity to hear management discuss the company's first quarter 2025 results. globenewswire.com - 1 month ago
Is United Fire Group (UFCS) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
8. Profile Summary

United Fire Group, Inc. UFCS

image
COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 728 M
Dividend Yield 0.54%
Description 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.
Contact 118 Second Avenue SE, Cedar Rapids, IA, 52401 https://www.ufginsurance.com
IPO Date March 18, 1980
Employees 877
Officers Ms. Sarah Emily Madsen Senior Vice President, Chief Legal Officer & Corporate Secretary Ms. Lindsay Erin Lovvorn Senior Vice President & Chief Administrative Officer Mr. Adam Michael Vogt Vice President, Chief Accounting Officer & Controller Ms. Julie Anne Stephenson Executive Vice President & Chief Operating Officer Mr. Patrick P. Kane C.P.C.U. Asst. Vice President & Region Marketing Manager Mr. Steven Dennis Hernandez Senior Vice President & Chief Human Resources Officer Mr. Michael John Sheeley Vice President & Chief Marketing Officer Mr. Kevin James Leidwinger President, Chief Executive Officer, Principal Executive Officer & Director Mr. Eric John Martin Executive Vice President, Chief Financial Officer, Principal Financial Officer & Principal Accounting Officer Timothy Borst Vice President of Investor Relations