UNITED FIRE GROUP INC · Property and casualty insurance

UFCS

Low riskNext report: Nov 3 (confirmed)

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The short version

A profitable company with growing sales. Institutions are adding.

Going well

Sales up 14% in the latest quarter vs a year ago
Profitable
Sales up 11% last year

Money moves

No insider buying or selling in the last 30 days
Institutions added 2.6% to their holdings in the quarter ending June 2026 (124 bought, 85 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$57.63+0.4% that day

Company value: $1.5B; Share price times all shares
Price vs profit (P/E): 10.7x; You pay about $11 for each $1 of yearly profit
Price vs sales: 1.0x; Company value is 1.0 times a year of sales
Dividend yield: 1.1%; Yearly dividend as a share of today's price
Cash vs value: 9%; Cash as a share of company value
Debt vs value: 10%; Debt as a share of company value

From UFCS's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$383.7M+14% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $1.5B, up 11% from the 12 months before. Over 5 years, sales grew about 5.3% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of UFCS. Starting points are the company's recent numbers.

Sales growth+11% a yearRecently: +11% a yearProfit margin10%Last 12 months: 9.6%P/E at the end11xToday: 10.7x. Many steady companies trade at 12x to 25xShare count change+1% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$2.5B

Profit in 5 years$248M

Price these guesses point to$101.06+75% vs $57.63 todayAbout +12% a year, before dividends

What today's price needs: with a 10% margin and a 11x P/E, sales could shrink about 0.8% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

2/6Weak

MissReturn on equity 15%+Earns a lot on the money owners have in the business.13.7%
PassDebt under half of equityNot relying on borrowed money.0.16x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.8.5%
MissProfitable every yearSteady profits, not one good year.8 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$269.7M
MissShare count not growingNot diluting owners. Falling means buybacks.+4.1% in 3 years

Revenue: $1.4B; +10.6% vs prior year
5-year growth: +5.3%/yr; revenue, per year
Total debt: $146.2M; 0.16x equity
Free cash flow: $269.7M; 19.5% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.