UFCS

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United Fire Group, Inc

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Key Metrics

Previous Close: $52.79
52-Week Range: $29.74 – $55.82
Market Cap: $1.37B
P/E (TTM): 9.88
EPS (TTM): 5.39
Dividend Yield: 1.52%

Advanced Metrics

Price/Book: 1.40
PEG Ratio: 1.41
Return on Equity: 15.47%
Return on Assets: 3.09%
Gross Margin: 12.86%
Operating Margin: 11.76%
Profit Margin: 9.57%
Current Ratio: 0.36
Debt/Equity: 0.15
Total Debt: $146.35M
Free Cash Flow: $255.64M
Revenue Growth: 14.40%
Earnings Growth: 48.30%
Enterprise Value: $1.36B

UFCS Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$988.22M	$1.10B	$1.25B	$1.39B
Pretax Income	$12.08M	-$39.72M	$77.03M	$147.94M
Income Tax	-$2.95M	-$10.02M	$15.08M	$29.75M
Net Income	$15.03M	-$29.70M	$61.96M	$118.19M
Diluted EPS	0.59	-1.18	2.39	4.48
Diluted Shares	25.48M	25.27M	25.92M	26.38M

UFCS Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$96.65M	$102.05M	$200.95M	$156.33M
Receivables	$568.10M	$709.52M	$695.81M	$736.96M
Total Assets	$2.88B	$3.14B	$3.49B	$3.84B
Long-Term Debt	$50.00M	$50.00M	$117.06M	$146.20M
Total Debt	$50.00M	$50.00M	$117.06M	$146.20M
Total Liabilities	$2.14B	$2.41B	$2.71B	$2.90B
Retained Earnings	$620.55M	$574.69M	$620.44M	$722.32M
Shareholders' Equity	$740.11M	$733.75M	$781.53M	$941.17M

UFCS Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	-$1.25M	$171.74M	$340.30M	$269.74M
Capital Expenditure	-$2.14M	-$10.89M	-$11.87M	-$6.45M
Free Cash Flow	-$3.39M	$160.85M	$328.43M	$263.30M
Depreciation & Amortisation	$7.67M	$10.51M	$10.90M	$10.77M
Stock-Based Compensation	$2.83M	$3.25M	$5.52M	$9.03M
Investing Cash Flow	-$19.17M	-$149.89M	-$292.49M	-$325.96M
Financing Cash Flow	-$15.03M	-$16.45M	$51.09M	$11.60M
Dividends Paid	-$15.86M	-$16.16M	-$16.21M	-$16.31M
Share Repurchases	$0.00	-$290.00K	—	-$993.00K
Net Change in Cash	-$35.45M	$5.40M	$98.90M	-$44.62M

UFCS Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$331.11M	$336.58M	$354.02M	$366.19M	$369.44M
Pretax Income	$21.85M	$29.20M	$48.68M	$48.20M	$38.01M
Income Tax	$4.15M	$6.25M	$9.49M	$9.85M	$7.96M
Net Income	$17.70M	$22.95M	$39.19M	$38.35M	$30.05M
Diluted EPS	0.67	0.87	1.49	1.45	1.15
Diluted Shares	26.42M	26.38M	26.30M	26.45M	26.13M

UFCS Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$183.68M	$202.15M	$233.74M	$156.33M	$162.03M
Receivables	—	$766.47M	$756.66M	$736.96M	$776.39M
Total Assets	$3.53B	$3.66B	$3.75B	$3.84B	$3.91B
Long-Term Debt	—	$117.16M	$146.13M	$146.20M	$146.27M
Total Debt	—	$117.16M	$146.13M	$146.20M	$146.27M
Total Liabilities	$2.71B	$2.82B	$2.86B	$2.90B	$2.96B
Retained Earnings	$634.00M	$653.03M	$688.05M	$722.32M	$747.26M
Shareholders' Equity	$850.88M	$845.67M	$898.71M	$941.17M	$950.61M

UFCS Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$35.67M	$53.39M	$60.85M	$119.83M	$56.63M
Capital Expenditure	-$2.50M	-$1.74M	-$1.56M	-$655.00K	-$384.00K
Free Cash Flow	$33.18M	$51.65M	$59.29M	$119.18M	$56.24M
Depreciation & Amortisation	$2.50M	$2.50M	$2.82M	$2.96M	$2.93M
Stock-Based Compensation	$1.76M	$1.94M	$2.32M	$3.01M	$2.62M
Investing Cash Flow	-$48.15M	-$30.35M	-$55.06M	-$192.39M	-$43.38M
Financing Cash Flow	-$4.79M	-$4.57M	$25.80M	-$4.84M	-$7.55M
Dividends Paid	-$4.06M	-$4.08M	-$4.08M	-$4.08M	-$5.11M
Share Repurchases	-$732.00K	-$486.00K	$985.00K	-$760.00K	-$2.44M
Net Change in Cash	-$17.27M	$18.47M	$31.59M	-$77.41M	$5.70M

Market Snapshot

About

United Fire Group, Inc. is a property and casualty insurance company that provides commercial and personal insurance products through its subsidiaries. The company offers coverage including property, liability, and specialty lines of insurance across multiple states. United Fire Group serves individuals and businesses through independent agencies.