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United Fire Group, Inc. UFCS

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Price alert · UFCS

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49.32 USD -7.33 (-12.94%)

At closeNov 4, 2026, 4:26 PM EST

49.32 0.00 0.00%

After hours · Nov 4, 4:26 PM ET

48.33 Day range 56.65
32.23 52-week range 58.20
YTD
+35.68%
1 year
+59.61%

Financial health

Altman Z-Score

1.27 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 8.1×
FY 2016: 25.1×FY 2017: 22.2×FY 2018: 50.4×FY 2019: 74.1×FY 2020: -5.6×FY 2021: 7.2×FY 2022: 46.4×FY 2023: -17.1×FY 2024: 11.6×FY 2025: 8.1×
FY 2016 5y median 8.1× FY 2025
P/S 0.7×
FY 2016: 1.3×FY 2017: 1.1×FY 2018: 1.3×FY 2019: 0.9×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.6× FY 2025
P/B 1.0×
FY 2016: 1.3×FY 2017: 1.2×FY 2018: 1.6×FY 2019: 1.2×FY 2020: 0.8×FY 2021: 0.7×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 0.9× FY 2025
P/FCF 3.6×
FY 2016: 6.0×FY 2017: 7.4×FY 2018: 18.0×FY 2019: 17.9×FY 2020: 27.8×FY 2021: 36.5×FY 2022: -204×FY 2023: 3.2×FY 2024: 2.2×FY 2025: 3.6×
FY 2016 5y median 3.2× FY 2025
EV/EBITDA 5.6×
FY 2016: 17.9×FY 2017: 51.4×FY 2018: -333×FY 2019: 34.9×FY 2020: -3.6×FY 2021: 4.7×FY 2022: 28.2×FY 2023: -17.6×FY 2024: 6.7×FY 2025: 5.6×
FY 2016 5y median 5.6× FY 2025
EV/Sales 0.7×
FY 2016: 1.2×FY 2017: 1.0×FY 2018: 1.2×FY 2019: 0.8×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.7×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 0.5× FY 2025
FCF Yield 27.5%
FY 2016: 16.5%FY 2017: 13.5%FY 2018: 5.6%FY 2019: 5.6%FY 2020: 3.6%FY 2021: 2.7%FY 2022: -0.5%FY 2023: 31.7%FY 2024: 45.6%FY 2025: 27.5%
FY 2016 5y median 27.5% FY 2025

Profitability

Gross Margin 44.9%
FY 2016: 11.2%FY 2017: 11.6%FY 2018: 13.2%FY 2019: 12.8%FY 2020: -0.1%FY 2021: 19.0%FY 2022: 13.9%FY 2023: 7.6%FY 2024: 18.0%FY 2025: 44.9%
FY 2016 5y median 18.0% FY 2025
Operating Margin 10.7%
FY 2016: 5.8%FY 2017: 1.5%FY 2018: -0.8%FY 2019: 1.4%FY 2020: -15.7%FY 2021: 9.2%FY 2022: 1.2%FY 2023: -3.6%FY 2024: 6.2%FY 2025: 10.7%
FY 2016 5y median 6.2% FY 2025
Net Margin 8.5%
FY 2016: 5.1%FY 2017: 4.8%FY 2018: 2.6%FY 2019: 1.2%FY 2020: -10.5%FY 2021: 7.6%FY 2022: 1.5%FY 2023: -2.7%FY 2024: 4.9%FY 2025: 8.5%
FY 2016 5y median 4.9% FY 2025
ROE 12.6%
FY 2016: 5.3%FY 2017: 5.2%FY 2018: 3.1%FY 2019: 1.6%FY 2020: -13.7%FY 2021: 9.2%FY 2022: 2.0%FY 2023: -4.0%FY 2024: 7.9%FY 2025: 12.6%
FY 2016 5y median 7.9% FY 2025
ROIC 9.4%
FY 2016: -7.3%FY 2017: -1.9%FY 2018: -0.3%FY 2019: 3.1%FY 2020: 0.0%FY 2021: 8.7%FY 2022: -1.4%FY 2023: -5.1%FY 2024: 1.0%FY 2025: 9.4%
FY 2016 5y median 1.0% FY 2025
ROA 3.1%
FY 2016: 1.2%FY 2017: 1.2%FY 2018: 1.0%FY 2019: 0.5%FY 2020: -3.7%FY 2021: 2.7%FY 2022: 0.5%FY 2023: -0.9%FY 2024: 1.8%FY 2025: 3.1%
FY 2016 5y median 1.8% FY 2025

Growth (YoY)

Revenue 10.7%
FY 2016: 9.9%FY 2017: 7.0%FY 2018: 2.3%FY 2019: 11.1%FY 2020: -10.1%FY 2021: -2.0%FY 2022: -6.5%FY 2023: 11.1%FY 2024: 14.0%FY 2025: 10.7%
FY 2016 FY 2025
Operating Income 92.0%
FY 2016: -50.2%FY 2017: -72.8%FY 2018: -158.5%FY 2019: 284.5%FY 2020: -1104.3%FY 2021: 157.1%FY 2022: -87.5%FY 2023: -428.9%FY 2024: 293.9%FY 2025: 92.0%
FY 2016 FY 2025
EPS (diluted) 87.4%
FY 2016: -45.3%FY 2017: 3.1%FY 2018: -45.7%FY 2019: -46.3%FY 2020: -875.9%FY 2021: 170.2%FY 2022: -81.3%FY 2023: -300.0%FY 2024: 302.5%FY 2025: 87.4%
FY 2016 FY 2025
Free Cash Flow -19.8%
FY 2016: 14.7%FY 2017: -26.0%FY 2018: -49.6%FY 2019: -20.4%FY 2020: -63.2%FY 2021: -29.4%FY 2022: -121.3%FY 2023: 4847.6%FY 2024: 104.2%FY 2025: -19.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.8×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 3.4×FY 2020: 0.0×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 4.0×FY 2024: 0.0×FY 2025: 0.8×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.8×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 3.4×FY 2020: 0.0×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 4.0×FY 2024: 0.0×FY 2025: 0.8×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -0.1×
FY 2016: -1.7×FY 2017: -4.7×FY 2018: 16.2×FY 2019: -4.3×FY 2020: 0.2×FY 2021: -0.8×FY 2022: -2.0×FY 2023: 2.0×FY 2024: -0.9×FY 2025: -0.1×
FY 2016 5y median -0.8× FY 2025
Interest Coverage 13.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 30.4×FY 2022: 3.8×FY 2023: -12.2×FY 2024: 10.6×FY 2025: 13.1×
FY 2016 5y median 10.6× FY 2025

Dividends

Dividend Yield 1.7%
FY 2016: 2.0%FY 2017: 2.4%FY 2018: 7.6%FY 2019: 3.0%FY 2020: 4.5%FY 2021: 2.6%FY 2022: 2.3%FY 2023: 3.2%FY 2024: 2.3%FY 2025: 1.7%
FY 2016 5y median 2.3% FY 2025
Payout Ratio 13.8%
FY 2016: 49.3%FY 2017: 53.6%FY 2018: 381.2%FY 2019: 220.4%FY 2020: -25.3%FY 2021: 18.7%FY 2022: 105.5%FY 2023: -54.4%FY 2024: 26.2%FY 2025: 13.8%
FY 2016 5y median 18.7% FY 2025

Annual · latest fiscal year ends 2025-12-31