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Financial Services - Insurance - Property & Casualty - NASDAQ - US
$ 27.43
-1.8 %
$ 697 M
Market Cap
11.18
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one UFCS stock under the worst case scenario is HIDDEN Compared to the current market price of 27.4 USD, United Fire Group, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one UFCS stock under the base case scenario is HIDDEN Compared to the current market price of 27.4 USD, United Fire Group, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one UFCS stock under the best case scenario is HIDDEN Compared to the current market price of 27.4 USD, United Fire Group, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart UFCS

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$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.0$22.0$22.0$20.0$20.0$18.0$18.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
1.25 B REVENUE
14.28%
77 M OPERATING INCOME
293.94%
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%
332 M REVENUE
2.72%
39.5 M OPERATING INCOME
44.03%
31.4 M NET INCOME
59.22%
156 M OPERATING CASH FLOW
176.94%
-149 M INVESTING CASH FLOW
-1664.47%
-3.36 M FINANCING CASH FLOW
16.99%
Balance Sheet United Fire Group, Inc.
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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 2.09 B
PP&E 136 M
Other Non-Current Assets -2.07 B
24.67 %55.33 %256.87 %16.69 %Total Assets$814.8m
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 117 M
Long-Term Debt 117 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$117.1m
EFFICIENCY
Earnings Waterfall United Fire Group, Inc.
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Revenue 1.25 B
Cost Of Revenue -1.45 M
Gross Profit 1.25 B
Operating Expenses 1.17 B
Operating Income 77 M
Other Expenses 15.1 M
Net Income 62 M
1b1b1b1b1b1b800m800m600m600m400m400m200m200m001b1m1b(1b)77m(15m)62mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.12% GROSS MARGIN
100.12%
6.15% OPERATING MARGIN
6.15%
4.95% NET MARGIN
4.95%
7.93% ROE
7.93%
1.78% ROA
1.78%
7.60% ROIC
7.60%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis United Fire Group, Inc.
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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.
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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 -5.21%
UFCS Average Price Target Wall Street Target
26 USD -5.21%
UFCS Highest Price Target Wall Street Target
26 USD -5.21%
Price
Max Price Target
Min Price Target
Average Price Target
32323030282826262424222220201818Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.56% DIVIDEND YIELD
0.16 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
4.004.003.503.503.003.002.502.502.002.001.501.501.001.000.500.500.000.000.20.220.250.280.310.330.150.150.160.160.160.220.250.280.310.330.330.150.160.160.160.220.250.2830.310.330.330.150.160.160.160.220.860.250.970.281.090.313.900.331.280.151.140.150.780.160.620.160.640.160.640.322015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership United Fire Group, Inc.
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Sold
0-3 MONTHS
419 K USD 2
3-6 MONTHS
181 K USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
205 K USD 3
Bought
148 K USD 2
0-3 MONTHS
0 USD 0
3-6 MONTHS
135 K USD 3
6-9 MONTHS
31.9 K USD 2
9-12 MONTHS
7. News
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 - 4 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 - 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 - 2 months ago
3 Financial Stocks to Grab on a Slowdown in 2025 Rate Cuts Invest in financial stocks like BCS, EZPW and UFCS as rate cuts slow down in 2025. zacks.com - 2 months ago
United Fire Group, Inc. Declares a Common Stock Quarterly Cash Dividend of $0.16 per Share CEDAR RAPIDS, Iowa, Feb. 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 March 21, 2025 to shareholders of record as of March 7, 2025. globenewswire.com - 2 months 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
United Fire Group, Inc. (UFCS) Q4 2024 Earnings Call Transcript United Fire Group, Inc. (NASDAQ:UFCS ) Q4 2024 Earnings Conference Call February 12, 2025 10:00 AM ET Company Participants Timothy Borst - Director of Investor Relations and Corporate Development 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 Paul Newsome - Piper Sandler Operator Good day, and welcome to the United Fire Group Insurance 2024 Fourth Quarter Conference Call. All participants will be in a listen-only mode. seekingalpha.com - 2 months ago
United Fire Group (UFCS) Q4 Earnings and Revenues Surpass Estimates United Fire Group (UFCS) came out with quarterly earnings of $1.25 per share, beating the Zacks Consensus Estimate of $0.66 per share. This compares to earnings of $0.65 per share a year ago. zacks.com - 2 months ago
United Fire Group, Inc. Reports Fourth Quarter and Full Year 2024 Results Fourth quarter net income of $1.21 per diluted share and adjusted operating income of $1.25 per diluted share; full year net income of $2.39 per diluted share and adjusted operating income of $2.56 per diluted share globenewswire.com - 2 months ago
United Fire Group, Inc. Announces Its 2024 Fourth Quarter Earnings Call CEDAR RAPIDS, Iowa, Jan. 29, 2025 (GLOBE NEWSWIRE) -- United Fire Group, Inc. (Nasdaq: UFCS) (the "Company", "UFG", "we", or "our") announced today that its 2024 fourth quarter earnings results will be released after the market closes on Tuesday, February 11, 2025. An earnings call will be held on Wednesday, February 12, 2025 at 9:00 a.m. central time to allow securities analysts, shareholders and other interested parties the opportunity to hear management discuss the Company's 2024 fourth quarter results. globenewswire.com - 3 months 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 months 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 - 4 months ago
8. Profile Summary

United Fire Group, Inc. UFCS

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 697 M
Dividend Yield 0.56%
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 Mr. Patrick P. Kane C.P.C.U. Asst. Vice President & Region Marketing Manager Mr. Michael John Sheeley Vice President & Chief Marketing Officer Ms. Lindsay Erin Lovvorn Senior Vice President & Chief Administrative Officer Ms. Julie Anne Stephenson Executive Vice President & Chief Operating Officer Ms. Sarah Emily Madsen Senior Vice President, Chief Legal Officer & Corporate Secretary Mr. Steven Dennis Hernandez Senior Vice President & Chief Human Resources Officer Mr. Adam Michael Vogt Vice President, Chief Accounting Officer & Controller 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