United Fire Group, Inc. (UFCS) AI Stock Analysis

Founded in 1946 and headquartered in Cedar Rapids, Iowa, United Fire Group operates as a provider of property and casualty insurance across the United States. The company offers commercial lines, including property, liability, automobile, workers' compensation, fidelity, and surety coverage. For personal insurance needs, it provides automobile and fire and allied lines, including homeowners' insurance. United Fire Group also writes commercial multiple peril, inland marine, and assumed reinsurance products. It distributes insurance solutions through an extensive network of independent agencies to reach both individual and commercial policyholders across various regions and industries.

United Fire Group achieved a 5-year revenue compound annual growth rate of 5.2% from FY2020 to FY2025. Annual revenue expanded from $988.2M in FY2022 to $1.10B in FY2023, $1.25B in FY2024, and $1.39B in FY2025. Operating margin recovered from -3.6% in FY2023 to 6.2% in FY2024 and 10.7% in FY2025. Net income reached $118.2M in FY2025 with diluted earnings per share of $4.60, improving from a net loss of -$29.7M in FY2023. Over the trailing twelve months, revenue reached $1.47B with a 9.6% profit margin and diluted earnings per share of $5.39. For the quarter ended June 30, 2026, revenue increased 14.4% year-over-year while earnings grew 48.3%.

As of June 30, 2026, United Fire Group held $139.4M in cash and short-term investments against total debt of $146.3M, leaving net debt of $6.9M. Shareholders' equity was $977.3M and total assets were $4.01B, with a debt-to-equity ratio of 0.15 and a current ratio of 491.12. In FY2025, operating cash flow totaled $269.7M and free cash flow was $263.3M. Cash utilization during FY2025 included $6.4M in capital expenditures, $16.3M in dividends paid, and $993,000 dedicated to share buybacks.

United Fire Group trades at a trailing price-to-earnings ratio of 10.5x, below the 12.1x median of its US-listed Financial Services peers. Its forward price-to-earnings ratio is 14.1x compared to the peer median of 10.8x, while its price-to-sales ratio of 1.0x compares to the peer median of 3.2x. The company's enterprise value is $1.39B, with an enterprise value-to-revenue multiple of 0.9x and a price-to-book ratio of 1.4x. Over the past year, the stock returned 89.1%, outperforming the 16.8% return for the S&P 500 benchmark. Over five years, the stock gained 188.7% versus 83.0% for the index.

United Fire Group pays an annual forward dividend of $0.80 per share, corresponding to a 1.42% dividend yield based on its last close of $56.44. The company maintains a 13.9% payout ratio and has distributed dividends for 43 consecutive years on a quarterly schedule. Its 5-year annualized dividend growth declined 10.9%. The most recent ex-dividend date occurred on September 4, 2026.

Wall Street analyst coverage includes 1 Strong Buy and 1 Buy rating, with 0 Hold, 0 Sell, and 0 Strong Sell ratings. The mean price target is $58.50, reflecting 3.6% upside from the last close of $56.44. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $1.60B and earnings per share of $4.99, an 8.5% increase. For the following fiscal year, 2 analysts project revenue of $1.90B and earnings per share of $4.84. United Fire Group beat earnings estimates in each of the past 4 quarters, and its next earnings date is November 3, 2026.

This page is an AI-written research summary of United Fire Group, Inc. (UFCS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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