UFCS
United Fire Group Inc
$53.29
▼ 0.7%Updated Today 11:10 AM ET
UFCS at a glance — five pillars scored 0–100 from real filed financials.
Overall: Unrated · 0/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Market Cap
$0.00
P/E
—
Forward P/E (est.)
—
ROE
—
Revenue Growth
—
EPS Growth
—
Profit Margin
—
FCF Yield
—
Debt / Equity
—
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
—
Implied Growth (rev. DCF)
—
Rating Score
0/100
United Fire Group Inc (UFCS) is a small-cap company in the Insurance industry, part of the Financials sector of the S&P 500.
In its latest reported year it generated about $1.39B in revenue and $118.19M in net profit.
Our model rates UFCS Unrated (0/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
6.8%
Revenue moved from $996.36M in 2016 to $1.39B in 2025, a 3.7% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
—
Net Margin
8.5%
ROE
—
Total Debt
$146.35M
Net Debt
$6.91M
Net Debt / EBITDA
—
Debt / Equity
—
Leverage: debt-to-equity is n/a. Detailed balance-sheet leverage is limited for this name. It carries roughly $146.35M of total debt against $139.44M of cash.
Operating CF
$269.74M
Free Cash Flow
$269.74M
FCF Margin
19.5%
In the latest year United Fire Group Inc produced about $269.74M of operating cash flow and $269.74M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Per share (latest FY)
$0.64
Total paid (latest FY)
$16.31M
History on record
10 years
dividend uses 6% of free cash flow
14% of net income paid out
total dividends increased 4 years in a row
payout was cut at least once in the last 10 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
—
P/S
—
P/B
—
EV / EBITDA
—
UFCS trades at n/a trailing earnings. With no positive trailing earnings, value it on sales, cash flow, or growth rather than P/E.
Where UFCS sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How UFCS stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), UFCS ranks #274 of 289 by our overall rating.
P/E vs sector
—
median 15.6x
ROE vs sector
—
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#274
of 289 by rating
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $53.29 today · expected CAGR 10% – 22%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $1.50B | $1.62B | $1.75B | $1.89B | $2.04B |
| Net income | $134.76M | $145.54M | $157.18M | $169.76M | $183.34M |
| EPS | $5.24 | $5.66 | $6.11 | $6.60 | $7.13 |
| Share price (low) | $62.91 | $67.94 | $73.38 | $79.25 | $85.59 |
| Share price (high) | $104.85 | $113.24 | $122.30 | $132.08 | $142.65 |
| CAGR (low–high) | 18% / 97% | 13% / 46% | 11% / 32% | 10% / 25% | 10% / 22% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for UFCS:
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against UFCS:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: United Fire Group Inc is a small-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at n/a earnings, which our model scores Unrated (0/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 9 Wall Street analysts covering UFCS recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more positive over the last three months (+3 pts of buy ratings).
Latest SEC Filings
UFCS's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
UFCS — frequently asked questions
Is UFCS a good stock to buy?
We don't give buy or sell advice. Review United Fire Group Inc's fundamentals, valuation, and 5-year financials on this page, then make your own decision — and consider a licensed professional.
Where does UFCS's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from United Fire Group Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for UFCS calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this UFCS analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell UFCS. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.