34.635 USD
-0.29 (-0.82%)
Overall UFCS gets a fundamental rating of 5 out of 10. We evaluated UFCS against 147 industry peers in the Insurance industry. There are concerns on the financial health of UFCS while its profitability can be described as average. UFCS is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
UFCS had positive earnings in the past year.
In the past year UFCS had a positive cash flow from operations.
In multiple years UFCS reported negative net income over the last 5 years.
Of the past 5 years UFCS 4 years had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 2.96%, UFCS is doing good in the industry, outperforming 61.90% of the companies in the same industry.
UFCS has a Return On Equity of 12.38%. This is comparable to the rest of the industry: UFCS outperforms 55.10% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.33%, UFCS is in the better half of the industry, outperforming 61.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.96% | ||
| ROE | 12.38% | ||
| ROIC | 3.33% |
ROA(3y)0.45%
ROA(5y)0.07%
ROE(3y)1.97%
ROE(5y)0.28%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 8.22%, UFCS is in line with its industry, outperforming 51.02% of the companies in the same industry.
UFCS's Profit Margin has improved in the last couple of years.
UFCS has a Operating Margin (11.07%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of UFCS has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.07% | ||
| PM (TTM) | 8.22% | ||
| GM | N/A |
OM growth 3Y-10.49%
OM growth 5Y36.75%
PM growth 3Y-13.2%
PM growth 5Y32.03%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UFCS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
UFCS has more shares outstanding than it did 1 year ago.
UFCS has more shares outstanding than it did 5 years ago.
The debt/assets ratio for UFCS is higher compared to a year ago.
2.2 Solvency
UFCS has a debt to FCF ratio of 0.49. This is a very positive value and a sign of high solvency as it would only need 0.49 years to pay back of all of its debts.
The Debt to FCF ratio of UFCS (0.49) is better than 79.59% of its industry peers.
UFCS has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
UFCS has a Debt to Equity ratio of 0.16. This is in the better half of the industry: UFCS outperforms 72.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 0.49 | ||
| Altman-Z | N/A |
ROIC/WACC0.39
WACC8.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UFCS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 123.08%, which is quite impressive.
The Earnings Per Share has been growing by 32.74% on average over the past years. This is a very strong growth
UFCS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.12%.
Measured over the past years, UFCS shows a small growth in Revenue. The Revenue has been growing by 0.85% on average per year.
EPS 1Y (TTM)123.08%
EPS 3Y14.47%
EPS 5Y32.74%
EPS Q2Q%85.19%
Revenue 1Y (TTM)12.12%
Revenue growth 3Y5.54%
Revenue growth 5Y0.85%
Sales Q2Q%9.62%
3.2 Future
UFCS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.44% yearly.
The Revenue is expected to grow by 10.08% on average over the next years. This is quite good.
EPS Next Y57.4%
EPS Next 2Y20.42%
EPS Next 3Y13.44%
EPS Next 5YN/A
Revenue Next Year8.41%
Revenue Next 2Y5.84%
Revenue Next 3Y10.08%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.96, the valuation of UFCS can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of UFCS indicates a somewhat cheap valuation: UFCS is cheaper than 71.43% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.49, UFCS is valued rather cheaply.
The Price/Forward Earnings ratio is 9.37, which indicates a very decent valuation of UFCS.
UFCS's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of UFCS to the average of the S&P500 Index (23.69), we can say UFCS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.96 | ||
| Fwd PE | 9.37 |
4.2 Price Multiples
UFCS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. UFCS is cheaper than 76.19% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UFCS indicates a rather cheap valuation: UFCS is cheaper than 82.31% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.97 | ||
| EV/EBITDA | 5.01 |
4.3 Compensation for Growth
UFCS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
UFCS's earnings are expected to grow with 13.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)0.24
EPS Next 2Y20.42%
EPS Next 3Y13.44%
5. Dividend
5.1 Amount
UFCS has a Yearly Dividend Yield of 1.78%.
UFCS's Dividend Yield is comparable with the industry average which is at 3.48.
UFCS's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
5.2 History
The dividend of UFCS decreases each year by -13.28%.
UFCS has been paying a dividend for at least 10 years, so it has a reliable track record.
UFCS has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-13.28%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
14.63% of the earnings are spent on dividend by UFCS. This is a low number and sustainable payout ratio.
DP14.63%
EPS Next 2Y20.42%
EPS Next 3Y13.44%
NASDAQ:UFCS (12/8/2025, 1:52:09 PM)
34.635
-0.29 (-0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners67.68%
Inst Owner Change1.85%
Ins Owners17.96%
Ins Owner Change-0.11%
Market Cap883.54M
Revenue(TTM)1.35B
Net Income(TTM)111.28M
Analysts80
Price Target37.23 (7.49%)
Short Float %1.06%
Short Ratio1.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
Yearly Dividend0.64
Dividend Growth(5Y)-13.28%
DP14.63%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)88.26%
Min EPS beat(2)63.4%
Max EPS beat(2)113.13%
EPS beat(4)4
Avg EPS beat(4)61.52%
Min EPS beat(4)7.23%
Max EPS beat(4)113.13%
EPS beat(8)7
Avg EPS beat(8)-131.93%
EPS beat(12)8
Avg EPS beat(12)310.62%
EPS beat(16)11
Avg EPS beat(16)250.91%
Revenue beat(2)0
Avg Revenue beat(2)-2.39%
Min Revenue beat(2)-2.69%
Max Revenue beat(2)-2.08%
Revenue beat(4)0
Avg Revenue beat(4)-2.09%
Min Revenue beat(4)-3.44%
Max Revenue beat(4)-0.16%
Revenue beat(8)3
Avg Revenue beat(8)-0.39%
Revenue beat(12)5
Avg Revenue beat(12)0.1%
Revenue beat(16)5
Avg Revenue beat(16)-1.93%
PT rev (1m)14.06%
PT rev (3m)14.06%
EPS NQ rev (1m)14.56%
EPS NQ rev (3m)126.25%
EPS NY rev (1m)29.87%
EPS NY rev (3m)32.49%
Revenue NQ rev (1m)-7.83%
Revenue NQ rev (3m)-7.55%
Revenue NY rev (1m)-1.99%
Revenue NY rev (3m)-1.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.96 | ||
| Fwd PE | 9.37 | ||
| P/S | 0.65 | ||
| P/FCF | 2.97 | ||
| P/OCF | 2.88 | ||
| P/B | 0.98 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | 5.01 |
EPS(TTM)4.35
EY12.56%
EPS(NY)3.7
Fwd EY10.68%
FCF(TTM)11.66
FCFY33.68%
OCF(TTM)12.01
OCFY34.66%
SpS53.07
BVpS35.23
TBVpS35.1
PEG (NY)0.14
PEG (5Y)0.24
Graham Number58.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.96% | ||
| ROE | 12.38% | ||
| ROCE | 4.14% | ||
| ROIC | 3.33% | ||
| ROICexc | 3.56% | ||
| ROICexgc | 4.05% | ||
| OM | 11.07% | ||
| PM (TTM) | 8.22% | ||
| GM | N/A | ||
| FCFM | 21.98% |
ROA(3y)0.45%
ROA(5y)0.07%
ROE(3y)1.97%
ROE(5y)0.28%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-7.23%
ROICexgc growth 5Y36.77%
ROICexc growth 3Y-9.08%
ROICexc growth 5Y34.39%
OM growth 3Y-10.49%
OM growth 5Y36.75%
PM growth 3Y-13.2%
PM growth 5Y32.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.36
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 0.49 | ||
| Debt/EBITDA | 0.91 | ||
| Cap/Depr | 83.94% | ||
| Cap/Sales | 0.64% | ||
| Interest Coverage | 14.33 | ||
| Cash Conversion | 191.12% | ||
| Profit Quality | 267.38% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.62%
ROIC/WACC0.39
Cap/Depr(3y)79.91%
Cap/Depr(5y)146.79%
Cap/Sales(3y)0.72%
Cap/Sales(5y)1.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)123.08%
EPS 3Y14.47%
EPS 5Y32.74%
EPS Q2Q%85.19%
EPS Next Y57.4%
EPS Next 2Y20.42%
EPS Next 3Y13.44%
EPS Next 5YN/A
Revenue 1Y (TTM)12.12%
Revenue growth 3Y5.54%
Revenue growth 5Y0.85%
Sales Q2Q%9.62%
Revenue Next Year8.41%
Revenue Next 2Y5.84%
Revenue Next 3Y10.08%
Revenue Next 5YN/A
EBIT growth 1Y122.69%
EBIT growth 3Y-5.53%
EBIT growth 5Y37.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y74.4%
FCF growth 3Y174.38%
FCF growth 5Y39.85%
OCF growth 1Y72.06%
OCF growth 3Y124.94%
OCF growth 5Y29.4%
UNITED FIRE GROUP INC / UFCS FAQ
What is the fundamental rating for UFCS stock?
ChartMill assigns a fundamental rating of 5 / 10 to UFCS.
What is the valuation status of UNITED FIRE GROUP INC (UFCS) stock?
ChartMill assigns a valuation rating of 7 / 10 to UNITED FIRE GROUP INC (UFCS). This can be considered as Undervalued.
What is the profitability of UFCS stock?
UNITED FIRE GROUP INC (UFCS) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for UFCS stock?
The Earnings per Share (EPS) of UNITED FIRE GROUP INC (UFCS) is expected to grow by 57.4% in the next year.
Can you provide the dividend sustainability for UFCS stock?
The dividend rating of UNITED FIRE GROUP INC (UFCS) is 4 / 10 and the dividend payout ratio is 14.63%.