UFCS
Neutral signalScored 2026-09-08 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
United Fire Group, Inc.
- Nom
- United Fire Group, Inc.
- Secteur
- Financial Services
- Industrie
- Insurance - Property & Casualty
- Bourse
- NASDAQ
- Capitalisation
- $1.5B
- Employés
- 846
- PDG
- Kevin James Leidwinger
- Site web
- https://www.ufginsurance.com
- Marché
- CNADGICAKNSLNODKRLISAFT
Headquartered in Cedar Rapids, Iowa, United Fire Group, Inc. (UFCS) operates throughout the United States, specializing in property and casualty insurance solutions for both personal and commercial clients. The company's diverse portfolio includes commercial multiple peril, inland marine, and various commercial property and casualty coverages such as fire and allied lines, general liability, automobile, workers' compensation, and fidelity and surety bonds. For individuals, they offer automobile and fire and allied lines policies, including homeowners' insurance. Additionally, United Fire Group engages in assumed reinsurance. Distribution of these offerings occurs through a network of independent agencies. The firm has been providing these services since its establishment in 1946.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 9 777 titres (~542 798,51 $ US)
- Insiders
- Carlton Scott L
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$542,799
Avg sell (VWAP, 90d window) $55.52 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-03 | Carlton Scott L | Sell · S | 9,777 | $55.52 | $542,799 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-09-08 Drivers: fundamentals. Moteurs : fondamentaux.
UFCS presents a compelling fundamental recovery story with strong margin expansion and low leverage (trend score: 85), but the event-driven signal is materially weakened by significant insider selling (~$543k) that…
The first sentence of the analysis written for UFCS on 2026-09-08 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.80 · operating margin 11% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 44.9% | 18.0% | 7.6% | 13.9% | 19.0% | |
| Ebit Margin | 11.5% | 6.7% | -3.3% | 1.5% | 9.5% | |
| Ebitda Margin | 12.3% | 7.6% | -2.4% | 2.3% | 10.1% | |
| Operating Profit Margin | 10.7% | 6.2% | -3.6% | 1.2% | 9.2% | |
| Pretax Profit Margin | 10.7% | 6.2% | -3.6% | 1.2% | 9.2% | |
| Continuous Operations Profit Margin | 8.5% | 4.9% | -2.7% | 1.5% | 7.6% | |
| Net Profit Margin | 8.5% | 4.9% | -2.7% | 1.5% | 7.6% | |
| Bottom Line Profit Margin | 8.5% | 4.9% | -2.7% | 1.5% | 7.6% | |
| Current Ratio | 0.798 | 0.000 | 3.975 | 0.317 | 0.303 | |
| Quick Ratio | 0.798 | 0.000 | 3.975 | 0.317 | 0.303 | |
| Solvency Ratio | 0.044 | 0.027 | -0.008 | 0.011 | 0.041 | |
| Cash Ratio | 0.060 | 0.000 | 0.715 | 0.066 | 0.063 | |
| Price To Earnings Ratio | 8.114 | 11.612 | -17.051 | 46.373 | 7.224 | |
| Price To Earnings Growth Ratio | 0.098 | -0.038 | 0.057 | -0.568 | -0.042 | |
| Forward Price To Earnings Growth Ratio | 0.098 | -0.038 | 0.057 | -0.568 | -0.042 | |
| Price To Earnings Diluted Ratio | 8.114 | 11.904 | -17.051 | 46.373 | 7.339 | |
| Price To Earnings Diluted Growth Ratio | 0.093 | -0.039 | 0.057 | -0.570 | -0.043 | |
| Price To Book Ratio | 1.019 | 0.922 | 0.692 | 0.936 | 0.662 | |
| Price To Sales Ratio | 0.692 | 0.575 | 0.463 | 0.701 | 0.551 | |
| Price To Free Cash Flow Ratio | 3.642 | 2.193 | 3.158 | -204.459 | 36.503 | |
| Price To Operating Cash Flow Ratio | 3.555 | 2.117 | 2.958 | -553.722 | 19.450 | |
| Debt To Assets Ratio | 0.038 | 0.034 | 0.016 | 0.017 | 0.017 | |
| Debt To Equity Ratio | 0.155 | 0.150 | 0.068 | 0.068 | 0.057 | |
| Debt To Capital Ratio | 0.134 | 0.130 | 0.064 | 0.063 | 0.054 | |
| Long Term Debt To Capital Ratio | 0.134 | 0.130 | 0.064 | 0.063 | 0.054 | |
| Financial Leverage Ratio | 4.081 | 4.464 | 4.285 | 3.894 | 3.427 | |
| Working Capital Turnover Ratio | 1.204 | 0.770 | -3.844 | -0.808 | -1.456 | |
| Operating Cash Flow Ratio | 0.104 | 0.000 | 1.204 | -0.001 | 0.014 | |
| Operating Cash Flow Sales Ratio | 0.195 | 0.272 | 0.156 | -0.001 | 0.028 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.976 | 0.965 | 0.937 | 2.708 | 0.533 | |
| Debt Service Coverage Ratio | 12.446 | 11.007 | -4.887 | 8.121 | 28.350 | |
| Interest Coverage Ratio | 13.130 | 10.580 | -12.184 | 3.788 | 30.387 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 1.845 | 2.907 | 3.435 | -0.025 | 0.598 | |
| Capital Expenditure Coverage Ratio | 41.847 | 28.669 | 15.776 | -0.585 | 2.141 | |
| Dividend Paid And Capex Coverage Ratio | 11.856 | 12.118 | 6.349 | -0.070 | 1.030 | |
| Dividend Payout Ratio | 0.138 | 0.262 | -0.544 | 1.055 | 0.187 | |
| Enterprise Value Multiple | 5.582 | 6.684 | -17.569 | 28.169 | 4.688 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 44.9% | ▲26.8% | ▲24.2% |
| Ebit Margin | 11.5% | ▲4.8% | ▲6.3% |
| Ebitda Margin | 12.3% | ▲4.7% | ▲6.3% |
| Operating Profit Margin | 10.7% | ▲4.5% | ▲5.9% |
| Pretax Profit Margin | 10.7% | ▲4.5% | ▲5.9% |
| Continuous Operations Profit Margin | 8.5% | ▲3.6% | ▲4.5% |
| Net Profit Margin | 8.5% | ▲3.6% | ▲4.5% |
| Bottom Line Profit Margin | 8.5% | ▲3.6% | ▲4.5% |
| Current Ratio | 0.798 | ▲0.798 | ▼-0.281 |
| Quick Ratio | 0.798 | ▲0.798 | ▼-0.281 |
| Solvency Ratio | 0.044 | ▲0.018 | ▲0.021 |
| Cash Ratio | 0.060 | ▲0.060 | ▼-0.121 |
| Price To Earnings Ratio | 8.114 | ▼-3.498 | ▼-3.141 |
| Price To Earnings Growth Ratio | 0.098 | ▲0.136 | ▲0.197 |
| Forward Price To Earnings Growth Ratio | 0.098 | ▲0.136 | ▲0.197 |
| Price To Earnings Diluted Ratio | 8.114 | ▼-3.790 | ▼-3.222 |
| Price To Earnings Diluted Growth Ratio | 0.093 | ▲0.132 | ▲0.193 |
| Price To Book Ratio | 1.019 | ▲0.097 | ▲0.173 |
| Price To Sales Ratio | 0.692 | ▲0.116 | ▲0.095 |
| Price To Free Cash Flow Ratio | 3.642 | ▲1.449 | ▲35.435 |
| Price To Operating Cash Flow Ratio | 3.555 | ▲1.438 | ▲108.683 |
| Debt To Assets Ratio | 0.038 | ▲0.004 | ▲0.014 |
| Debt To Equity Ratio | 0.155 | ▲0.006 | ▲0.056 |
| Debt To Capital Ratio | 0.135 | ▲0.004 | ▲0.045 |
| Long Term Debt To Capital Ratio | 0.135 | ▲0.004 | ▲0.045 |
| Financial Leverage Ratio | 4.081 | ▼-0.383 | ▲0.051 |
| Working Capital Turnover Ratio | 1.204 | ▲0.434 | ▲2.031 |
| Operating Cash Flow Ratio | 0.104 | ▲0.104 | ▼-0.160 |
| Operating Cash Flow Sales Ratio | 0.195 | ▼-0.077 | ▲0.065 |
| Free Cash Flow Operating Cash Flow Ratio | 0.976 | ▲0.011 | ▼-0.248 |
| Debt Service Coverage Ratio | 12.446 | ▲1.439 | ▲1.439 |
| Interest Coverage Ratio | 13.130 | ▲2.550 | ▲3.990 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 1.845 | ▼-1.062 | ▲0.093 |
| Capital Expenditure Coverage Ratio | 41.847 | ▲13.177 | ▲24.277 |
| Dividend Paid And Capex Coverage Ratio | 11.856 | ▼-0.262 | ▲5.599 |
| Dividend Payout Ratio | 0.138 | ▼-0.124 | ▼-0.082 |
| Enterprise Value Multiple | 5.582 | ▼-1.102 | ▲0.071 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $959.0M | $720.4M | $508.0M | $692.7M | $581.9M | |
| Enterprise value | $948.9M | $636.5M | $456.0M | $646.1M | $499.8M | |
| EV / Sales | 0.68x | 0.51x | 0.41x | 0.65x | 0.47x | |
| EV / Op. cash flow | 3.52x | 1.87x | 2.65x | -516.43x | 16.71x | |
| EV / Free cash flow | 3.60x | 1.94x | 2.83x | -190.69x | 31.35x | |
| EV / EBITDA | 5.58x | 6.68x | -17.57x | 28.17x | 4.69x | |
| Net debt / EBITDA | -0.06x | -0.88x | 2.00x | -2.03x | -0.77x | |
| Current ratio | 0.80x | 0.00x | 3.98x | 0.32x | 0.30x | |
| Income quality | 2.28x | 5.49x | -5.78x | -0.08x | 0.37x | |
| Graham number | $60 | $41 | — | $20 | $50 | |
| Graham net-net | -$40 | -$5 | -$78 | -$70 | -$65 | |
| Tax burden | 79.9% | 80.4% | 74.8% | 124.5% | 83.2% | |
| Interest burden | 92.9% | 91.4% | 108.9% | 79.1% | 96.8% | |
| Working capital | -$523.1M | $2.83B | $424.3M | -$995.8M | -$1.45B | |
| Invested capital | -$229.1M | $2.97B | $563.2M | -$857.4M | -$1.31B | |
| Return on assets | 3.1% | 1.8% | -0.9% | 0.5% | 2.7% | |
| Operating ROA | 4.0% | 2.3% | -1.3% | 0.4% | 3.2% | |
| Return on tangible assets | 3.2% | 1.8% | -0.9% | 0.5% | 2.7% | |
| Return on equity | 12.6% | 7.9% | -4.0% | 2.0% | 9.2% | |
| Return on invested capital | 9.4% | 1.0% | -5.1% | -1.4% | 8.7% | |
| Return on capital employed | 11.8% | 2.2% | -1.3% | 0.8% | 10.4% | |
| Earnings yield | 12.3% | 8.6% | -5.8% | 2.2% | 13.9% | |
| Free cash flow yield | 27.5% | 45.6% | 31.7% | -0.5% | 2.7% | |
| Capex / Op. cash flow | 2.4% | 3.5% | 6.3% | -170.8% | 46.7% | |
| Capex / Depreciation | 59.9% | 108.9% | 103.6% | 27.9% | 212.7% | |
| Capex / Sales | 0.5% | 0.9% | 1.0% | 0.2% | 1.3% | |
| SG&A / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.7% | 0.4% | 0.3% | 0.3% | 0.3% | |
| Intangibles / Total assets | 4.2% | 0.1% | 0.1% | 0.2% | 0.2% | |
| Days sales outstanding | 199d | 203d | 154d | 135d | 165d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 199d | 203d | 154d | 135d | 165d | |
| Cash conversion cycle | 199d | 203d | 154d | 135d | 165d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-21 United Fire Group, Inc. declares quarterly cash dividend of $0.20 per share and announces new board appointment CEDAR RAPIDS, Iowa, Aug. 21, 2026 (GLOBE NEWSWIRE) -- Today, the board of directors of United Fire Group, Inc. (UFG) (Nasdaq: UFCS) declared a common stock quarterly cash dividend of $0.20 per share. This dividend will be payable September 18, 2026, to shareholders of record as of September 4, 2026.
- 2026-08-06 Is United Fire Group (UFCS) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-08-06 United Fire Group, Inc (UFCS) Hits Fresh High: Is There Still Room to Run? United Fire (UFCS) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company''s fundamentals for clues.
- 2026-08-04 United Fire Group Q2 Earnings Call Highlights United Fire Group NASDAQ: UFCS reported what President and Chief Executive Officer Kevin Leidwinger described as an exceptional second quarter, highlighted by record net income, record net written premium, its strongest second-quarter combined ratio in more than 15 years, and the highest quarterly investment income in over a decade.
- 2026-08-04 United Fire Group, Inc. (UFCS) Q2 2026 Earnings Call Transcript United Fire Group, Inc. (UFCS) Q2 2026 Earnings Call Transcript
- 2026-08-03 United Fire Group (UFCS) Tops Q2 Earnings and Revenue Estimates United Fire Group (UFCS) came out with quarterly earnings of $1.3 per share, beating the Zacks Consensus Estimate of $0.7 per share. This compares to earnings of $0.9 per share a year ago.
- 2026-08-03 United Fire Group, Inc. reports second quarter 2026 results Second quarter net income of $1.29 per diluted share and adjusted operating income of $1.30 per diluted share
- 2026-07-27 Analysts Estimate United Fire Group (UFCS) to Report a Decline in Earnings: What to Look Out for United Fire (UFCS) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-07-17 United Fire Group, Inc. announces its second quarter 2026 earnings call CEDAR RAPIDS, Iowa, July 17, 2026 (GLOBE NEWSWIRE) -- United Fire Group, Inc. (Nasdaq: UFCS) (UFG) announced today that its second quarter 2026 earnings results will be released after the market closes on Monday, August 3, 2026. An earnings call will be held on Tuesday, August 4, 2026 at 9 a.m. CT to allow securities analysts, shareholders and other interested parties the opportunity to hear management discuss the company''s second quarter 2026 results.
- 2026-07-03 United Fire Group (UFCS) Is Up 8.82% in One Week: What You Should Know Does United Fire Group (UFCS) have what it takes to be a top stock pick for momentum investors? Let''s find out.