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United Fire Group (UFCS)
NASDAQ:UFCS
US Market
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United Fire Group (UFCS) Ratios

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United Fire Group Ratios

UFCS's free cash flow for Q2 2025 was $0.00. For the 2025 fiscal year, UFCS's free cash flow was decreased by $ and operating cash flow was $0.09. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 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
0.04 >-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
$ -2.10B$ -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
4.33 4.29 3.89 3.43 3.72
Debt Service Coverage Ratio
10.76 -4.89 8.12 28.35 -796.37
Interest Coverage Ratio
12.50 -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
0.39 2.11 2.11 2.12 2.00
Net Debt to EBITDA
-1.55 2.01 -2.03 -0.77 0.23
Profitability Margins
Gross Profit Margin
16.30%100.00%100.00%100.00%100.00%
EBIT Margin
17.16%-3.33%1.56%9.38%-15.85%
EBITDA Margin
18.22%-2.37%2.34%10.00%-15.23%
Operating Profit Margin
17.31%-3.63%1.56%9.06%-16.45%
Pretax Profit Margin
16.12%-3.63%1.23%9.08%-15.86%
Net Profit Margin
12.81%-2.71%1.53%7.56%-10.55%
Continuous Operations Profit Margin
12.81%-2.71%1.53%7.56%-10.55%
Net Income Per EBT
79.46%74.77%124.46%83.22%66.49%
EBT Per EBIT
93.11%100.00%79.12%100.21%96.43%
Return on Assets (ROA)
2.51%-0.94%0.52%2.68%-3.67%
Return on Equity (ROE)
11.37%-4.05%2.03%9.17%-13.66%
Return on Capital Employed (ROCE)
3.39%-1.32%1.07%6.39%-11.58%
Return on Invested Capital (ROIC)
11.25%-0.69%-2.62%6.78%-9.35%
Return on Tangible Assets
2.51%-0.95%0.52%2.68%-3.68%
Earnings Yield
11.71%-5.84%2.18%13.85%-17.94%
Efficiency Ratios
Receivables Turnover
1.40 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
5.28 6.70 7.36 7.74 8.23
Asset Turnover
0.20 0.35 0.34 0.35 0.35
Working Capital Turnover Ratio
1.52 -4.11 -1.11 -1.18 -1.15
Cash Conversion Cycle
260.98 154.86 136.18 163.28 185.82
Days of Sales Outstanding
260.98 154.86 136.18 163.28 185.82
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
260.98 154.86 136.18 163.28 185.82
Cash Flow Ratios
Operating Cash Flow Per Share
11.85 6.80 -0.05 1.19 1.66
Free Cash Flow Per Share
11.45 6.37 -0.13 0.64 0.90
CapEx Per Share
0.40 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
11.38 6.35 -0.07 1.03 0.87
Capital Expenditure Coverage Ratio
29.41 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
0.42 0.16 >-0.01 0.03 0.04
Free Cash Flow Yield
37.14%31.64%-0.49%2.74%3.59%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
8.54 -17.12 45.80 7.22 -5.57
Price-to-Sales (P/S) Ratio
1.10 0.46 0.70 0.55 0.59
Price-to-Book (P/B) Ratio
0.93 0.69 0.93 0.66 0.76
Price-to-Free Cash Flow (P/FCF) Ratio
2.69 3.16 -203.19 36.50 27.83
Price-to-Operating Cash Flow Ratio
2.60 2.96 -550.28 19.45 15.16
Price-to-Earnings Growth (PEG) Ratio
0.22 0.06 -0.56 -0.04 <0.01
Price-to-Fair Value
0.93 0.69 0.93 0.66 0.76
Enterprise Value Multiple
4.46 -17.58 27.98 4.69 -3.63
Enterprise Value
583.00M 456.38M 641.75M 499.79M 590.24M
EV to EBITDA
4.46 -17.58 27.98 4.69 -3.63
EV to Sales
0.81 0.42 0.65 0.47 0.55
EV to Free Cash Flow
2.00 2.84 -189.42 31.35 26.15
EV to Operating Cash Flow
1.93 2.66 -512.99 16.71 14.24
Tangible Book Value Per Share
33.06 28.85 29.20 116.77 119.39
Shareholders’ Equity Per Share
33.20 29.04 29.42 35.04 32.97
Tax and Other Ratios
Effective Tax Rate
0.21 0.25 -0.24 0.17 0.34
Revenue Per Share
28.15 43.35 38.96 42.49 42.70
Net Income Per Share
3.61 -1.18 0.60 3.21 -4.50
Tax Burden
0.79 0.75 1.24 0.83 0.66
Interest Burden
0.94 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
3.29 -5.78 -0.08 0.37 -0.37
Currency in USD
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