UFCS
VENTE TOTALE: 9 777 titres (~542 798,51 $ US)
- Insiders
- Carlton Scott L
- Total bought
- —
- Total sold
- $542,799
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-09-08
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.
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
Valuation
Market cap ▲+33.1%EV / Sales ▲+34.6%EV / EBITDA ▼-16.5%EV / Op. cash flow ▲+1.647Earnings yield ▲+0.037Graham number ▲+18.743
Profitability
Return on equity ▲+0.046Return on assets ▲+0.013Return on invested capital ▲+0.084Return on capital employed ▲+0.096Operating ROA ▲+0.017Income quality ▼-3.210Tax burden ▼-0.005
Efficiency
Days sales outstanding ▼-4.053Days payables outstanding n/aOperating cycle ▼-4.053Cash conversion cycle ▼-4.053Capex / Sales ▼-0.005R&D / Sales n/a
Balance-sheet strength
Current ratio n/aNet debt / EBITDA ▲+0.821Working capital ▼-3348988000.000Invested capital ▼-3194903000.000Intangibles / Total assets ▲+0.041
Change over 5 years
Valuation
Market cap ▲+64.8%EV / Sales ▲+44.7%EV / EBITDA ▲+19.1%EV / Op. cash flow ▼-13.188Earnings yield ▼-0.015Graham number ▲+9.648
Profitability
Return on equity ▲+0.034Return on assets ▲+0.004Return on invested capital ▲+0.007Return on capital employed ▲+0.014Operating ROA ▲+0.009Income quality ▲+1.911Tax burden ▼-0.033
Efficiency
Days sales outstanding ▲+34.039Days payables outstanding n/aOperating cycle ▲+34.039Cash conversion cycle ▲+34.039Capex / Sales ▼-0.009R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.494Net debt / EBITDA ▲+0.711Working capital ▲+928422000.000Invested capital ▲+1078698000.000Intangibles / Total assets ▲+0.040
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
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.