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United Fire Group (UFCS)
NASDAQ:UFCS
UFCS Stock Chart & Stats
$39.05
-$0.03(-0.11%)
At close: 4:00 PM EST
$39.05
-$0.03(-0.11%)
Day’s Range― - ―
52-Week Range$25.01 - $40.63
Previous CloseN/A
Volume20.25K
Average Volume (3M)131.31K
Market Cap
$982.09M
Enterprise Value$840.30M
Total Cash (Recent Filing)$156.33M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)8.6
Beta0.61
Next Earnings
May 12, 2026EPS Estimate
0.91Next Dividend Ex-DateN/A
Dividend Yield1.73%
Share Statistics
EPS (TTM)1.50
Shares Outstanding25,522,050
10 Day Avg. Volume140,853
30 Day Avg. Volume131,315
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)1.02
Price to Sales (P/S)0.69
P/FCF Ratio3.64
Enterprise Value/Market Cap0.86
Enterprise Value/Revenue0.61
Enterprise Value/Gross Profit2.16
Enterprise Value/Ebitda5.03
Forecast
1Y Price Target
$41.00Price Target Upside4.99% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.95
Revenue Forecast (FY)$1.42B
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthA zero reported debt balance and rising equity provide durable financial flexibility for underwriting cycles, reinsurance purchasing, and capital returns. Strong capital cushions support reserve adequacy and allow the company to sustain payouts and opportunistic investments through 2–6 month horizons.
Underwriting Improvement & Premium GrowthMaterial improvement in combined ratio and a large underwriting profit alongside multi-year net written premium growth and record new business indicate durable progress in underwriting discipline and distribution execution. Diversified growth across specialty, E&S and surety supports sustainable top-line expansion.
Stronger Investment Income And Portfolio PositioningSignificant investment income gains and higher new-purchase yields materially bolster earnings independent of underwriting cycles. A larger fixed-maturity portfolio and higher yields improve recurring finance income, cushioning underwriting volatility and supporting long-term ROE and dividend capacity.
Bears Say
Historical Earnings & Cash-Flow VolatilityPrior multi-year swings in profitability and cash flow—including a 2023 loss and uneven free cash flow—indicate earnings are cycle-sensitive. This structural volatility can constrain capital generation, force reserve or reinsurance adjustments, and limit predictability of dividends and buybacks.
Other Liability / Umbrella Loss ExposureConcentrated pressure in umbrella/other liability and social-inflation-driven large losses have required reserve strengthening and minimum premium changes. These are structural exposures that can persist, increasing loss volatility and underwriting margin risk until rate and terms fully reset.
Reinsurance & Pricing CompressionReinsurance rate compression and moderated property pricing reflect tougher market terms and competitive pressure. Lower ceded margins and tightened treaty economics can structurally compress underwriting margin if not offset by stricter underwriting, higher retentions, or improved pricing in problem lines.
United Fire Group News
UFCS FAQ
What was United Fire Group’s price range in the past 12 months?
United Fire Group lowest stock price was $25.01 and its highest was $40.63 in the past 12 months.
What is United Fire Group’s market cap?
United Fire Group’s market cap is $982.09M.
When is United Fire Group’s upcoming earnings report date?
United Fire Group’s upcoming earnings report date is May 12, 2026 which is in 68 days.
How were United Fire Group’s earnings last quarter?
United Fire Group released its earnings results on Feb 10, 2026. The company reported $1.5 earnings per share for the quarter, beating the consensus estimate of $1.072 by $0.428.
Is United Fire Group overvalued?
According to Wall Street analysts United Fire Group’s price is currently Undervalued.
Does United Fire Group pay dividends?
United Fire Group pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 1.73%. See more information on United Fire Group dividends here
What is United Fire Group’s EPS estimate?
United Fire Group’s EPS estimate is 0.91.
How many shares outstanding does United Fire Group have?
United Fire Group has 25,522,050 shares outstanding.
What happened to United Fire Group’s price movement after its last earnings report?
United Fire Group reported an EPS of $1.5 in its last earnings report, beating expectations of $1.072. Following the earnings report the stock price went up 7.168%.
Which hedge fund is a major shareholder of United Fire Group?
Currently, no hedge funds are holding shares in UFCS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
United Fire Group Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$41.00 (4.99% Upside)
$41.00 (4.99% Upside)
Blogger Sentiment
Bullish
UFCS Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 160.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $979.7K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days ▼ 1.1%
Last 30 Days ▲ 1.3%
Last 30 Days ▲ 1.3%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
44.98%
12-Months-Change
Fundamentals
Return on Equity
13.72%
Trailing 12-Months
Asset Growth
11.09%
Trailing 12-Months
Company Description
United Fire Group
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.
UFCS Company Deck
UFCS Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call communicated a strong, positive trajectory: sizable improvements in underwriting profit, ROE, book value, net written premium growth, and investment income alongside record new business production and successful reinsurance renewals. Management emphasized conservative reserving and disciplined underwriting while investing in technology to drive future efficiency. Notable challenges include moderated property pricing, pressure in the umbrella/other liability line, and some reinsurance rate compression. Overall, the positive financial improvements and clear capital returns (dividend increase) meaningfully outweigh the operational and market headwinds discussed.View all UFCS earnings summariesUFCS Stock 12 Month Forecast
Average Price Target
$41.00
▲(4.99% Upside)
Technical Analysis
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Ownership Overview
14.49% Insiders
15.37% Mutual Funds
9.94% Other Institutional Investors
38.13% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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