Stock AnalizUnited Fire Group Inc. UFCS
Property-Casualty Insurers · data as of November 13, 2026
United Fire Group Inc. (UFCS) is a financial company listed in the US with a market value of about $1.3B. In the twelve months to September 30, 2026 it had revenue of $1.5B and net income of $137M, a net margin of 9.1%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is value (3/5); the weakest is track record (0/5).
Key numbers: a P/E of 9.7, a price to free cash flow of 4.2, 5-year revenue growth of 5% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 37% below the current price.
Score: 2.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- More cash than debt, or low debt to equity
- Positive free cash flow
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.5B | $1.4B | $1.3B | $1.1B | $980M | $1.1B | $1.1B | $1.2B | $1.1B | $1.1B | $996M |
| Net income | $137M | $118M | $62M | -$30M | $15M | $81M | -$113M | $15M | $28M | $51M | $50M |
| Free cash flow | $309M | $263M | $328M | $161M | -$3M | $16M | $23M | $61M | $77M | $153M | $207M |
| EPS (diluted) | $5.23 | $4.48 | $2.39 | $-1.18 | $0.59 | $3.16 | $-4.50 | $0.58 | $1.08 | $1.99 | $1.93 |
| Net margin | 9.1% | 8.5% | 4.9% | -2.7% | 1.5% | 7.6% | -10.5% | 1.2% | 2.6% | 4.9% | 5.0% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 2 analysts is $57.50, 13% above the current price; targets range from $57.00 to $58.00; the consensus rating is “Strong buy”; expected EPS is $5.08 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is United Fire Group’s P/E ratio?
About 9.7, based on the last twelve months of diluted earnings per share (forward P/E about 10.8).
Is United Fire Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 37% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does United Fire Group pay a dividend?
Yes. The dividend yield is about 1.56%, and it has paid dividends for 10 years in our data.
Is United Fire Group a good stock to buy?
We do not give buy or sell advice. United Fire Group scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.