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 - $44.86
Previous CloseN/A
Volume20.25K
Average Volume (3M)98.05K
Market Cap
$1.10B
Enterprise Value$939.64M
Total Cash (Recent Filing)$156.33M
Total Debt (Recent Filing)$166.97M
Price to Earnings (P/E)7.9
Beta0.72
Next Earnings
Aug 11, 2026EPS Estimate
0.69Next Dividend Ex-DateN/A
Dividend Yield1.73%
Share Statistics
EPS (TTM)4.59
Shares Outstanding25,614,280
10 Day Avg. Volume94,844
30 Day Avg. Volume98,054
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 Cap0.85
Enterprise Value/Revenue0.68
Enterprise Value/Gross Profit2.41
Enterprise Value/Ebitda5.63
Forecast
1Y Price Target
$57.00Price Target Upside41.16% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.81
Revenue Forecast (FY)$1.41B
Bulls Say, Bears Say
Bulls Say
Low Leverage / Strong Balance SheetReported zero reported debt in 2025 with equity growth and ROE recovery provides durable financial flexibility. Low leverage allows the company to absorb underwriting volatility, fund growth or reinsurance purchases, sustain dividends, and deploy capital into distribution or investments without pressuring solvency metrics.
Consistent Premium Growth And Underwriting ScaleRecord net written premium and double-digit new business growth point to durable distribution traction and product demand. Growing core commercial and alternative channels builds scale, supports improved expense leverage and allows management to selectively deploy capacity while enhancing long-term underwriting profitability.
Rising Net Investment Income And Portfolio RepositioningMaterial growth in net investment income and a larger fixed-maturity portfolio reinvested near 5% yields provides a sustainable earnings tailwind. Strong investment income from float smooths underwriting cyclicality and supports underwriting returns and shareholder distributions across multi‑year horizons.
Bears Say
Through-cycle Underwriting VolatilityHistorical swings—including losses in 2023 and uneven cash flow in 2022—highlight inherent P&C cycle risk that can meaningfully affect capital, earnings and strategic flexibility. Such volatility complicates forecasting, may force conservative reserving, and can limit consistent capital returns over multi‑year periods.
Intensifying Competition In E&S / Reinsurance PressureSoftening E&S pricing and increased market capacity reduce room for margin expansion and make selective underwriting harder. Combined with pressure in assumed reinsurance loss ratios, these structural competitive shifts risk compressing underwriting margins and could force slower growth or tighter underwriting standards.
Unrealized Investment Losses And Reserve ConservatismRising mark‑to‑market losses reduce book value and create capital volatility in a rising rate environment. Coupled with conservative reserve tweaks, this signals estimation uncertainty and potential earnings pressure. Both dynamics can constrain capital actions and highlight sensitivity to market and claims assumptions.
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 $44.86 in the past 12 months.
What is United Fire Group’s market cap?
United Fire Group’s market cap is $1.10B.
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 96 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 25,614,280 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 100%
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
Positive
Last 7 Days ▼ 1.0%
Last 30 Days ▲ 2.3%
Last 30 Days ▲ 2.3%
Technicals
SMA
Positive
20 days / 200 days
Momentum
51.55%
12-Months-Change
Fundamentals
Return on Equity
13.50%
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
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
15.65% Insiders
15.30% Mutual Funds
1.36% Other Institutional Investors
43.59% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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