UFCS logo

UNITED FIRE GROUP INC

UFCSNASDAQ
🏆 #2264 by market capEarnings Nov 2US Equity
$910.50▼ $66.83 (−7.34%)
Simulated price
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Track
24h▼ 7.3%
7d▲ 1592.1%
14d▲ 1557.3%
30d▲ 1590.5%
ytd▲ 2402.1%
1y▲ 2932.0%
🏦Market Cap
$1.37B
Small Cap
📈Revenue Growth (YoY)
+10.8%
Healthy
📊Gross Margin
54.5%
Healthy
💵FCF Margin
18.2%
Healthy
⚖️P/S Ratio
0.9x
Cheap
Otter Score
64
Fair

Trading Snapshot

Day Range
$896.69 – $927.68
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

  • ✓High-growth profile — revenue up +46.0% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 47% gross margin and 16% free-cash-flow margin.
  • ✓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.
$1.4B▲ +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%▲ +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.
$148M▲ +92.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$263M▼ −19.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
26.5M▲ +1.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$10M▼ −$74M YoY
StockOtter · 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 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Fair
64/100

Analyst Price Target

ⓘ
Average Target
$1,218.23
▲ +33.8% Upside
High Target$1,429.27
Low Target$1,089.09
Based on 22 analysts

Latest News & Updates

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Bloomberg·2h ago

UNITED FIRE GROUP INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Bloomberg·5h ago

Analysts lift UFCS price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Bloomberg·1d ago

UNITED FIRE GROUP INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.