UFCS logo

UNITED FIRE GROUP INC

UFCSNASDAQ
πŸ† #2263 by market capEarnings Nov 2US Equity
$53.53β–² $0.19 (+0.35%)
πŸŒ™ After hours$53.53β–² 0.00%Regular close Β· extended-hours price shown
πŸ””
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24hβ–² 0.3%
7dβ–Ό 0.5%
14dβ–Ό 2.6%
30dβ–Ό 0.6%
ytdβ–² 47.1%
1yβ–² 78.2%
🏦Market Cap
$1.37B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+10.8%
Healthy
πŸ“ŠGross Margin
54.5%
Healthy
πŸ’΅FCF Margin
18.2%
Healthy
βš–οΈP/S Ratio
0.9x
Cheap
Otter Score
64
Fair

Trading Snapshot

Day Range
$52.71 – $54.54
52-Week Range
$29.74 – $56.74
Volume
$2.13B
Avg Volume
$2.40B
Shares Outstanding
25.7M
Next Earnings
Dec 6, 2026

Fundamentals Snapshot

Annual Revenue
$1.39B
Last Q Revenue
$384M
P/E Ratio
9.8
P/S Ratio
0.9x
EPS (TTM)
$5.49
Dividend Yield
1.42%
Dilution (1yr)
+1.8%

Why Investors Own UFCS

  • βœ“High-growth profile β€” revenue up +46.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 47% gross margin and 16% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

UFCS logo

UNITED FIRE GROUP INC

UFCS
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.4Bβ–² +10.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
44.9%β–² +148.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$148Mβ–² +92.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$263Mβ–Ό βˆ’19.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
26.5Mβ–² +1.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$10Mβ–Ό βˆ’$74M YoY
StockOtter Β· stockotter.space

About UNITED FIRE GROUP INC

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$71.62
β–² +33.8% Upside
High Target$84.02
Low Target$64.02
Based on 22 analysts

Latest News & Updates

Zacks Investment ResearchΒ·5d ago

Global Commercial Pricing Soft: 4 P&C Insurers to Protect Portfolio

Global commercial insurance rates are falling, but TRV, UVE, UFCS and AII offer portfolio resilience through disciplined underwriting and diversification.

Defense WorldΒ·11d ago

WINTON GROUP Ltd Sells 18,061 Shares of United Fire Group, Inc $UFCS

WINTON GROUP Ltd lowered its stake in United Fire Group, Inc (NASDAQ: UFCS) by 74.8% in the second quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 6,070

Zacks Investment ResearchΒ·15d ago

Are Investors Undervaluing United Fire Group (UFCS) 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

Zacks Investment ResearchΒ·15d ago

United Fire Group, Inc (UFCS) Hit a 52 Week High, Can the Run Continue?

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.

GlobeNewsWireΒ·Aug 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 b

Zacks Investment ResearchΒ·Aug 6

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