United Fire Group (UFCS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

United Fire Group

NasdaqGS•Financial Services•Insurance - Property & Casualty

$55.31-0.07(<0.01%)Market open

Market Cap

$1.42B

P/E

10.1x

P/S

1.0x

P/B

1.5x

United Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing. The company also offers marine specialty, professional liability, and earthquake coverages; specialty and surplus lines coverage; and reinsurance coverage for property and casualty insurance. It sells its products through a network of independent agencies. United Fire Group, Inc. was incorporated in 1946 and is headquartered in Cedar Rapids, Iowa.

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Growth (22/25); weakest: Cash & Earnings Quality (18/25).

Profitability21/25

Growth22/25

Balance Sheet & Red Flags22/25

Cash & Earnings Quality18/25

Strengths

Rising earningsLow leverageInterest easily coveredCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.1x5y range 6.9x – 45.9x

Currently near its 15-quarter median.

P/S · 1.0x5y range 0.4x – 1.0x

Currently above its 20-quarter median.

P/B · 1.5x5y range 0.7x – 1.5x

Price & Volume

Market Cap $1.42B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.47B
Q. Revenue: $383.73M
TTM EBITDA: $193.53M
TTM Op. Income: $176.84M
Q. Op. Income: $41.94M
TTM Net Income: $140.96M
Q. Net Income: $33.37M
EPS: $1.3
Shares Out.: $25.68M

$1.47B in TTM revenue grew 11.4% YoY, reaching $383.73M last quarter. TTM EBITDA of $193.53M and TTM operating income of $176.84M show growth is flowing through to the bottom line. TTM net income of $140.96M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 11.6%
Op. Margin: 10.9%
Net Margin: 8.7%

Op. margin of 10.9% is up 2.2% YoY — cost efficiency is improving. Net margin at 8.7% Over the past year, operating margin is up 26% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.1x
P/S Ratio: 1.0x
P/B Ratio: 1.5x

At 10.1x P/E, the stock trades below typical market levels. P/S of 1.0x and P/B of 1.5x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 27% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $4.01B
Cash: $139.44M
Long-Term Debt: $146.35M
Book Value: $977.34M
D/E Ratio: 0.1
Debt/EBITDA: 3.3

With $4.01B in assets and $146.35M in long-term debt, D/E is 0.1and book value is $977.34M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $34.25M
TTM Free Cash Flow: $268.44M
FCF Margin: 18.2%
FCF / Net Income: 1.9

TTM FCF of $268.44M on $34.25M in operating cash flow. The FCF / Net Income ratio of 1.9x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 8% — a weakening trend.