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United Fire Group (UFCS)
NASDAQ:UFCS
US Market
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 2026 was $0.44. For the 2026 fiscal year, UFCS's free cash flow was decreased by $ and operating cash flow was $0.11. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.80 0.00 3.97 0.32
Quick Ratio
 0.00 0.80 0.00 3.97 0.32
Cash Ratio
 0.00 0.06 0.00 0.72 0.07
Solvency Ratio
 0.05 0.04 0.03 >-0.01 0.01
Operating Cash Flow Ratio
 0.00 0.10 0.00 1.20 >-0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -1.99B$ -837.69M$ -2.71B$ -1.84B$ -1.68B
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.04 0.03 0.02 0.02
Debt-to-Equity Ratio
 0.15 0.16 0.15 0.07 0.07
Debt-to-Capital Ratio
 0.13 0.13 0.13 0.06 0.06
Long-Term Debt-to-Capital Ratio
 0.13 0.13 0.13 0.06 0.06
Financial Leverage Ratio
 3.84 4.08 4.46 4.29 3.89
Debt Service Coverage Ratio
 12.60 11.49 11.01 -4.89 8.12
Interest Coverage Ratio
 13.71 13.13 10.58 -12.18 3.79
Debt to Market Cap
 0.12 0.15 0.16 0.10 0.07
Interest Debt Per Share
 6.19 5.97 4.91 2.11 2.09
Net Debt to EBITDA
 -0.09 -0.06 -0.88 2.01 -2.03
Profitability Margins
Gross Profit Margin
34.16%44.86%18.05%7.64%13.95%
EBIT Margin
12.35%11.48%6.74%-3.32%1.54%
EBITDA Margin
12.93%11.48%7.61%-2.36%2.32%
Operating Profit Margin
11.51%10.67%6.15%-3.62%1.22%
Pretax Profit Margin
11.51%10.67%6.15%-3.62%1.22%
Net Profit Margin
9.16%8.52%4.95%-2.70%1.52%
Continuous Operations Profit Margin
9.16%8.52%4.95%-2.70%1.52%
Net Income Per EBT
79.55%79.89%80.43%74.77%124.46%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
3.58%3.08%1.78%-0.94%0.52%
Return on Equity (ROE)
14.36%12.56%7.93%-4.05%2.03%
Return on Capital Employed (ROCE)
4.50%11.78%2.21%-1.32%0.85%
Return on Invested Capital (ROIC)
3.58%9.41%1.78%-5.15%-1.43%
Return on Tangible Assets
3.58%3.21%1.78%-0.95%0.52%
Earnings Yield
10.57%12.32%8.60%-5.84%2.16%
Efficiency Ratios
Receivables Turnover
 2.61 1.84 1.80 2.36 2.70
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
 10.95 10.45 9.20 8.18 7.42
Asset Turnover
 0.39 0.36 0.36 0.35 0.34
Working Capital Turnover Ratio
 15.39 -5.30 5.90 -3.84 -1.98
Cash Conversion Cycle
 139.87 198.82 202.87 154.46 135.08
Days of Sales Outstanding
 139.87 198.82 202.87 154.46 135.08
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
 139.87 198.82 202.87 154.46 135.08
Cash Flow Ratios
Operating Cash Flow Per Share
 11.37 10.22 13.44 6.80 -0.05
Free Cash Flow Per Share
 11.20 9.98 12.97 6.37 -0.13
CapEx Per Share
 0.17 0.24 0.47 0.43 0.08
Free Cash Flow to Operating Cash Flow
 0.99 0.98 0.97 0.94 2.71
Dividend Paid and CapEx Coverage Ratio
 13.40 11.86 12.12 6.35 -0.07
Capital Expenditure Coverage Ratio
 67.06 41.85 28.67 15.78 -0.59
Operating Cash Flow Coverage Ratio
 1.99 1.85 2.91 3.43 -0.03
Operating Cash Flow to Sales Ratio
 0.20 0.19 0.27 0.16 >-0.01
Free Cash Flow Yield
23.10%27.46%45.59%31.64%-0.49%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.46 8.11 11.63 -17.12 46.37
Price-to-Sales (P/S) Ratio
 0.87 0.69 0.58 0.46 0.71
Price-to-Book (P/B) Ratio
 1.30 1.02 0.92 0.69 0.94
Price-to-Free Cash Flow (P/FCF) Ratio
 4.33 3.64 2.19 3.16 -205.74
Price-to-Operating Cash Flow Ratio
 4.25 3.56 2.12 2.96 -557.18
Price-to-Earnings Growth (PEG) Ratio
 0.10 0.10 -0.04 0.06 -0.57
Price-to-Fair Value
 1.30 1.02 0.92 0.69 0.94
Enterprise Value Multiple
 6.64 5.96 6.68 -17.58 28.36
Enterprise Value
 1.22B 948.85M 636.46M 456.38M 650.38M
EV to EBITDA
 6.64 5.96 6.68 -17.58 28.36
EV to Sales
 0.86 0.68 0.51 0.42 0.66
EV to Free Cash Flow
 4.27 3.60 1.94 2.84 -191.97
EV to Operating Cash Flow
 4.21 3.52 1.87 2.66 -519.89
Tangible Book Value Per Share
 37.07 29.56 30.71 28.85 28.84
Shareholders’ Equity Per Share
 37.19 35.67 30.87 29.04 29.05
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.20 0.25 -0.24
Revenue Per Share
 55.78 52.55 49.44 43.46 38.79
Net Income Per Share
 5.11 4.48 2.45 -1.18 0.59
Tax Burden
 0.80 0.80 0.80 0.75 1.24
Interest Burden
 0.93 0.93 0.91 1.09 0.79
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 0.00 <0.01 <0.01 <0.01
Income Quality
 2.23 2.28 5.49 -5.78 -0.08
Currency in USD