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STOCKS

United Fire Group (UFCS)

:UFCS

UFCS

United Fire Group

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United Fire Group (UFCS) Ratios

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United Fire Group Ratios

UFCS's free cash flow for Q1 2025 was $0.88. For the 2025 fiscal year, UFCS's free cash flow was decreased by $ and operating cash flow was $1.03. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	4.17	0.40	0.41	0.41
Quick Ratio	0.00	4.17	0.83	0.78	0.74
Cash Ratio	0.00	0.72	0.07	0.09	0.06
Solvency Ratio	0.03	>-0.01	0.01	1.14	-1.42
Operating Cash Flow Ratio	0.00	1.20	>-0.01	0.02	0.03
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -2.48B	$ -1.82B	$ -1.56B	$ 532.59M	$ 557.22M
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.02	0.02	0.02	0.02
Debt-to-Equity Ratio	0.00	0.07	0.07	0.06	0.06
Debt-to-Capital Ratio	0.00	0.06	0.06	0.05	0.06
Long-Term Debt-to-Capital Ratio	0.00	0.06	0.06	0.05	0.06
Financial Leverage Ratio	4.15	4.29	3.89	3.43	3.72
Debt Service Coverage Ratio	9.08	-4.89	8.12	28.35	-796.37
Interest Coverage Ratio	9.55	-12.18	4.79	30.32	-1.32K
Debt to Market Cap	0.00	0.10	0.07	0.09	0.08
Interest Debt Per Share	0.35	2.11	2.11	2.12	2.00
Net Debt to EBITDA	-1.89	2.01	-2.03	-0.77	0.23
Profitability Margins
Gross Profit Margin	99.27%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	13.06%	-3.33%	1.56%	9.38%	-15.85%
EBITDA Margin	14.27%	-2.37%	2.34%	10.00%	-15.23%
Operating Profit Margin	12.48%	-3.63%	1.56%	9.06%	-16.45%
Pretax Profit Margin	12.12%	-3.63%	1.23%	9.08%	-15.86%
Net Profit Margin	9.71%	-2.71%	1.53%	7.56%	-10.55%
Continuous Operations Profit Margin	9.71%	-2.71%	1.53%	7.56%	-10.55%
Net Income Per EBT	80.09%	74.77%	124.46%	83.22%	66.49%
EBT Per EBIT	97.08%	100.00%	79.12%	100.21%	96.43%
Return on Assets (ROA)	1.88%	-0.94%	0.52%	2.68%	-3.67%
Return on Equity (ROE)	8.41%	-4.05%	2.03%	9.17%	-13.66%
Return on Capital Employed (ROCE)	2.41%	-1.32%	1.07%	6.39%	-11.58%
Return on Invested Capital (ROIC)	1.93%	-0.69%	-2.62%	6.78%	-9.35%
Return on Tangible Assets	1.88%	-0.95%	0.52%	2.68%	-3.68%
Earnings Yield	9.29%	-5.84%	2.18%	13.85%	-17.94%
Efficiency Ratios
Receivables Turnover	0.00	2.36	2.68	2.24	1.96
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.00	6.70	7.36	7.74	8.23
Asset Turnover	0.19	0.35	0.34	0.35	0.35
Working Capital Turnover Ratio	0.65	-4.11	-1.11	-1.18	-1.15
Cash Conversion Cycle	0.00	154.86	136.18	163.28	185.82
Days of Sales Outstanding	0.00	154.86	136.18	163.28	185.82
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	154.86	136.18	163.28	185.82
Cash Flow Ratios
Operating Cash Flow Per Share	13.38	6.80	-0.05	1.19	1.66
Free Cash Flow Per Share	12.92	6.37	-0.13	0.64	0.90
CapEx Per Share	0.46	0.43	0.08	0.56	0.75
Free Cash Flow to Operating Cash Flow	0.97	0.94	2.71	0.53	0.54
Dividend Paid and CapEx Coverage Ratio	12.14	6.35	-0.07	1.03	0.87
Capital Expenditure Coverage Ratio	28.89	15.78	-0.59	2.14	2.20
Operating Cash Flow Coverage Ratio	0.00	3.43	-0.03	0.60	0.83
Operating Cash Flow to Sales Ratio	0.50	0.16	>-0.01	0.03	0.04
Free Cash Flow Yield	45.95%	31.64%	-0.49%	2.74%	3.59%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.77	-17.12	45.80	7.22	-5.57
Price-to-Sales (P/S) Ratio	1.05	0.46	0.70	0.55	0.59
Price-to-Book (P/B) Ratio	0.84	0.69	0.93	0.66	0.76
Price-to-Free Cash Flow (P/FCF) Ratio	2.18	3.16	-203.19	36.50	27.83
Price-to-Operating Cash Flow Ratio	2.10	2.96	-550.28	19.45	15.16
Price-to-Earnings Growth (PEG) Ratio	1.55	0.06	-0.56	-0.04	<0.01
Price-to-Fair Value	0.84	0.69	0.93	0.66	0.76
Enterprise Value Multiple	5.45	-17.58	27.98	4.69	-3.63
Enterprise Value	530.22M	456.38M	641.75M	499.79M	590.24M
EV to EBITDA	5.45	-17.58	27.98	4.69	-3.63
EV to Sales	0.78	0.42	0.65	0.47	0.55
EV to Free Cash Flow	1.62	2.84	-189.42	31.35	26.15
EV to Operating Cash Flow	1.56	2.66	-512.99	16.71	14.24
Tangible Book Value Per Share	32.06	28.85	29.20	116.77	119.39
Shareholders’ Equity Per Share	33.51	29.04	29.42	35.04	32.97
Tax and Other Ratios
Effective Tax Rate	0.20	0.25	-0.24	0.17	0.34
Revenue Per Share	26.84	43.35	38.96	42.49	42.70
Net Income Per Share	2.61	-1.18	0.60	3.21	-4.50
Tax Burden	0.80	0.75	1.24	0.83	0.66
Interest Burden	0.93	1.09	0.79	0.97	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	5.14	-5.78	-0.08	0.37	-0.37

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