United Fire Group, Inc

United Fire Group, Inc

NNASDAQ:UFCS
57.99
USD
+0.68
(+1.19%)
5.38EPS
9.52P/E
1.35BMarket Cap
Nov 03Next Earn

Total Valuation

USD

As of June 30, 2026, United Fire Group, Inc carries a market capitalization of 1.35B, placing it among publicly traded companies globally. Its enterprise value stands at 124.79M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap1.35B
Enterprise Value124.79M

Important Dates

United Fire Group, Inc's next confirmed earnings release is scheduled for November 3, 2026.

Earnings Date11/3/2026

Share Statistics

As of June 30, 2026, United Fire Group, Inc has 25.70M shares outstanding.

Shares Outstanding25.70M

Valuation Ratios

As of June 30, 2026, United Fire Group, Inc trades at a trailing price-to-earnings ratio of 9.52. The price-to-sales ratio is 0.91, and the price-to-book ratio stands at 1.38.

PE Ratio9.52
PS Ratio0.91
PB Ratio1.38
P/TBV Ratio1.38
P/FCF Ratio5.06
P/OCF Ratio4.94

Enterprise Valuation

These figures are as of June 30, 2026. The EV/Sales ratio of 0.08 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. United Fire Group, Inc trades at an EV/FCF ratio of 0.44, comparing the total takeover cost of the business to the cash it actually generates for all capital providers. These enterprise value multiples are built on an enterprise value of 124.79M versus a market cap of 1.35B, with the gap driven by net debt and cash on the balance sheet.

EV / Sales0.08
EV / FCF0.44

Financial Position

These figures are as of June 30, 2026.

Debt / Equity14.97

Financial Efficiency

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Over the twelve months ended June 30, 2026, United Fire Group, Inc posted a return on equity (ROE) of 15.46, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 3.67, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 14.48, useful for judging operating efficiency across full business cycles. The company generates approximately 1.73M in revenue per employee across its workforce of 853.75, a quick read on workforce productivity versus industry peers.

Return on Equity (ROE)15.46
Return on Assets (ROA)3.67
Return on Capital Employed (ROCE)14.48
Revenue Per Employee1.73M
Employee Count853.75

Taxes

USD

Over the twelve months ended June 30, 2026, United Fire Group, Inc recorded 35.88M in income tax expense. That works out to an effective tax rate of 20.29, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 176.84M, leaving 140.96M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Income Tax35.88M
Effective Tax Rate20.29

Stock Price Statistics

USD

As of the close on October 22, 2026, United Fire Group, Inc's stock has gained approximately 88.83% over the past 52 weeks. The 50-day moving average sits at 54.60, while the 200-day moving average is 45.96.

52-Week Price Change88.83%
50-Day Moving Average54.60
200-Day Moving Average45.96

Income Statement

USD

Over the twelve months ended June 30, 2026, United Fire Group, Inc generated 1.47B in revenue and converted that into 140.96M in net income, yielding earnings per share of 5.38.

Revenue1.47B
Pretax Income176.84M
Net Income140.96M
Earnings Per Share (EPS)5.38

Balance Sheet

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As of June 30, 2026, United Fire Group, Inc holds 1.37B in cash and equivalents against 146.35M in total debt, resulting in a net debt position of 6.91M.

Cash & Cash Equivalents1.37B
Total Debt146.35M
Net Debt6.91M
Equity (Book Value)977.34M
Book Value Per Share38.02

Cash Flow

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United Fire Group, Inc produced 271.55M in operating cash flow over the twelve months ended June 30, 2026.

Operating Cash Flow271.55M
Free Cash Flow271.55M
FCF Per Share10.61

Margins

These figures cover the twelve months ended June 30, 2026.

Pretax Margin12.00
Profit Margin9.57

Dividends & Yields

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Over the twelve months ended June 30, 2026, United Fire Group, Inc paid dividends of 0.72 per share. The dividend payout ratio of 13.07 indicates the proportion of earnings distributed to shareholders, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield stands at 19.77, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield is negative at -0.63, meaning United Fire Group, Inc raised more capital through share issuance and new debt than it returned via dividends and buybacks.

Dividend Per Share0.72
Payout Ratio13.07
Shareholder Yield-0.63
FCF Yield19.77

Stock Splits

United Fire Group, Inc's most recent stock split took place on December 16, 2004 with a 1:2 split ratio.

Last Split Date12/16/2004
Split Ratio1:2