United Fire Group (UFCS)
NASDAQ:UFCS
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UFCS Stock Chart & Stats
$40.38
-$0.03(-0.11%)
At close: 4:00 PM EST
$40.38
-$0.03(-0.11%)
Day’s Range― - ―
52-Week Range$25.79 - $49.94
Previous CloseN/A
Volume20.25K
Average Volume (3M)124.02K
Market Cap
$1.21B
Enterprise Value$1.19B
Total Cash (Recent Filing)$162.03M
Total Debt (Recent Filing)$146.27M
Price to Earnings (P/E)7.9
Beta0.79
Next Earnings
Aug 11, 2026EPS Estimate
0.69Next Dividend Ex-DateN/A
Dividend Yield1.73%
Share Statistics
EPS (TTM)5.07
Shares Outstanding25,656,166
10 Day Avg. Volume143,665
30 Day Avg. Volume124,024
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 Cap0.99
Enterprise Value/Revenue0.84
Enterprise Value/Gross Profit2.45
Enterprise Value/Ebitda6.48
Forecast
1Y Price Target
$57.00Price Target Upside41.16% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)4.44
Revenue Forecast (FY)$1.41B
Bulls Say, Bears Say
Bulls Say
Underwriting Growth - Record Net Written PremiumSustained top-line expansion (record NWP, +12% Q1 2026) builds durable insurance float and scale. Growing premium base supports long-run underwriting leverage, spreads fixed admin costs over more policies, and increases investable assets that can generate recurring investment income.
Improving Underwriting Profitability And MarginsA multi-point combined ratio improvement and a ~57% underlying loss ratio indicate improving underwriting discipline and pricing. When paired with falling expense ratios and ~13% ROE, these trends support sustainable earnings generation and capital accretion over the medium term.
Conservative Balance Sheet And Growing EquityLow leverage and rising equity provide resilience to underwriting and investment volatility. A stronger capital base lowers solvency risk, supports continued underwriting capacity, and gives management flexibility to invest in growth, absorb losses, or return capital without stressing liquidity.
Bears Say
Earnings And Underwriting Volatility (2023 Loss)Historic swings to a material 2023 loss show underlying volatility in underwriting outcomes and margins. Such volatility can deplete capital in adverse years, force rate or reserve adjustments, and makes multi-quarter earnings and cash generation less predictable for stakeholders.
Intensifying Competition In Excess & Surplus LinesA structural softening in E&S pricing and new capacity entering the market risks persistent margin pressure in specialty lines. If rate momentum does not resume, underwriting profitability and the ability to sustain premium growth in higher-margin niches could be impaired.
Investment Mark-to-market And Alternative Income PressureRising unrealized losses and moderated returns from limited partnerships compress book value and reduce investment flexibility. Persistent interest-rate volatility can hamper the investment float's contribution to earnings and slow surplus growth that funds underwriting expansion.
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 $25.79 and its highest was $49.94 in the past 12 months.
What is United Fire Group’s market cap?
United Fire Group’s market cap is $1.21B.
When is United Fire Group’s upcoming earnings report date?
United Fire Group’s upcoming earnings report date is Aug 11, 2026 which is in 74 days.
How were United Fire Group’s earnings last quarter?
United Fire Group released its earnings results on May 05, 2026. The company reported $1.16 earnings per share for the quarter, beating the consensus estimate of $0.905 by $0.255.
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 0.69.
How many shares outstanding does United Fire Group have?
United Fire Group has 25,656,166 shares outstanding.
What happened to United Fire Group’s price movement after its last earnings report?
United Fire Group reported an EPS of $1.16 in its last earnings report, beating expectations of $0.905. Following the earnings report the stock price went up 7.93%.
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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$57.00 (41.16% Upside)
$57.00 (41.16% Upside)
Blogger Sentiment
Bullish
UFCS Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 97.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $979.7K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 5.5%
Last 30 Days ▼ 5.5%
Technicals
SMA
Positive
20 days / 200 days
Momentum
60.49%
12-Months-Change
Fundamentals
Return on Equity
14.36%
Trailing 12-Months
Asset Growth
12.22%
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call communicated strong operational and financial momentum: record net written premium, improved combined and expense ratios, double-digit investment income growth, expanding alternative distribution, and solid earnings and ROE. Headwinds include intensifying competition (notably in E&S), some pressure in assumed reinsurance, moderated returns from limited partnerships, and increased unrealized investment losses due to higher interest rates. Overall, positive execution and growth prospects outweigh the manageable market and investment headwinds.View all UFCS earnings summariesUFCS Stock 12 Month Forecast
Average Price Target
$57.00
▲(41.16% Upside)
Technical Analysis
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Universal Insurance Holdings
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Ownership Overview
14.23% Insiders
15.14% Mutual Funds
9.59% Other Institutional Investors
37.01% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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