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STOCKS

United Fire Group (UFCS)

NASDAQ:UFCS

UFCS

United Fire Group

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United Fire Group (UFCS) Ratios

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54 Followers

United Fire Group Ratios

UFCS's free cash flow for Q4 2025 was $0.47. For the 2025 fiscal year, UFCS's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.06	0.06	0.00	3.97	0.32
Quick Ratio	0.06	0.06	0.00	3.97	0.32
Cash Ratio	0.06	0.06	0.00	0.72	0.07
Solvency Ratio	0.04	0.04	0.03	>-0.01	0.01
Operating Cash Flow Ratio	0.10	0.10	0.00	1.20	>-0.01
Short-Term Operating Cash Flow Coverage	35.44	35.44	0.00	0.00	0.00
Net Current Asset Value	$ -2.74B	$ -2.74B	$ -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	0.18	0.18	0.15	0.07	0.07
Debt-to-Capital Ratio	0.15	0.15	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	4.08	4.08	4.46	4.29	3.89
Debt Service Coverage Ratio	7.27	6.86	11.01	-4.89	8.12
Interest Coverage Ratio	13.13	13.13	10.58	-12.18	3.79
Debt to Market Cap	0.16	0.16	0.16	0.10	0.07
Interest Debt Per Share	6.74	6.76	4.91	2.11	2.09
Net Debt to EBITDA	0.06	0.07	-0.88	2.01	-2.03
Profitability Margins
Gross Profit Margin	28.10%	44.86%	18.05%	7.64%	13.95%
EBIT Margin	11.47%	11.48%	6.74%	-3.32%	1.54%
EBITDA Margin	12.04%	11.48%	7.61%	-2.36%	2.32%
Operating Profit Margin	10.66%	10.67%	6.15%	-3.62%	1.22%
Pretax Profit Margin	10.66%	10.67%	6.15%	-3.62%	1.22%
Net Profit Margin	8.52%	8.52%	4.95%	-2.70%	1.52%
Continuous Operations Profit Margin	8.52%	8.52%	4.95%	-2.70%	1.52%
Net Income Per EBT	79.89%	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)	3.08%	3.08%	1.78%	-0.94%	0.52%
Return on Equity (ROE)	13.50%	12.56%	7.93%	-4.05%	2.03%
Return on Capital Employed (ROCE)	11.78%	11.78%	2.21%	-1.32%	0.85%
Return on Invested Capital (ROIC)	-4.88%	9.36%	0.00%	-5.15%	-1.43%
Return on Tangible Assets	3.08%	3.08%	1.78%	-0.95%	0.52%
Earnings Yield	11.90%	12.32%	8.60%	-5.84%	2.16%
Efficiency Ratios
Receivables Turnover	2.79	2.78	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	9.54	9.53	9.20	8.18	7.42
Asset Turnover	0.36	0.36	0.36	0.35	0.34
Working Capital Turnover Ratio	-1.14	-1.14	5.90	-3.84	-1.98
Cash Conversion Cycle	130.98	131.09	202.87	154.46	135.08
Days of Sales Outstanding	130.98	131.09	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	130.98	131.09	202.87	154.46	135.08
Cash Flow Ratios
Operating Cash Flow Per Share	10.20	10.22	13.44	6.80	-0.05
Free Cash Flow Per Share	9.95	9.98	12.97	6.37	-0.13
CapEx Per Share	0.24	0.24	0.47	0.43	0.08
Free Cash Flow to Operating Cash Flow	0.98	0.98	0.97	0.94	2.71
Dividend Paid and CapEx Coverage Ratio	11.86	11.86	12.12	6.35	-0.07
Capital Expenditure Coverage Ratio	41.85	41.85	28.67	15.78	-0.59
Operating Cash Flow Coverage Ratio	1.62	1.62	2.91	3.43	-0.03
Operating Cash Flow to Sales Ratio	0.19	0.19	0.27	0.16	>-0.01
Free Cash Flow Yield	27.47%	27.46%	45.59%	31.64%	-0.49%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.40	8.11	11.63	-17.12	46.37
Price-to-Sales (P/S) Ratio	0.69	0.69	0.58	0.46	0.71
Price-to-Book (P/B) Ratio	1.06	1.02	0.92	0.69	0.94
Price-to-Free Cash Flow (P/FCF) Ratio	3.64	3.64	2.19	3.16	-205.74
Price-to-Operating Cash Flow Ratio	3.68	3.56	2.12	2.96	-557.18
Price-to-Earnings Growth (PEG) Ratio	1.75	0.10	-0.04	0.06	-0.57
Price-to-Fair Value	1.06	1.02	0.92	0.69	0.94
Enterprise Value Multiple	5.80	6.09	6.68	-17.58	28.36
Enterprise Value	968.99M	969.62M	636.46M	456.38M	650.38M
EV to EBITDA	5.80	6.09	6.68	-17.58	28.36
EV to Sales	0.70	0.70	0.51	0.42	0.66
EV to Free Cash Flow	3.68	3.68	1.94	2.84	-191.97
EV to Operating Cash Flow	3.59	3.59	1.87	2.66	-519.89
Tangible Book Value Per Share	35.46	35.55	30.71	28.85	28.84
Shareholders’ Equity Per Share	35.58	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	52.46	52.55	49.44	43.46	38.79
Net Income Per Share	4.47	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	2.28	2.28	5.49	-5.78	-0.08

Currency in USD