United Fire Group, Inc

Valuation Analysis

About the Company

United Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing. The company also offers marine specialty, professional liability, and earthquake coverages; specialty and surplus lines coverage; and reinsurance coverage for property and casualty insurance. It sells its products through a network of independent agencies. United Fire Group, Inc. was incorporated in 1946 and is headquartered in Cedar Rapids, Iowa.

United Fire Group, Inc Stock at a Glance

United Fire Group, Inc (UFCS) is currently trading at $48.44 with a market capitalization of $1.2B. The trailing P/E ratio stands at 9.77x, with a forward P/E of 10.69x. The 52-week range spans from $25.79 to $49.94; the current price is 3% below the yearly high. Year-over-year revenue growth stands at +11.6%. The net profit margin stands at 9.16%.

💰 Dividend

United Fire Group, Inc pays an annual dividend of $0.80 per share, representing a yield of 1.65%. The payout ratio stands at 13.71%.

📊 Analyst Rating

2 analysts rate United Fire Group, Inc (UFCS) on consensus: None. The average price target is $51.00, implying +5.28% from the current price. Analyst price targets range from $45.00 to $57.00.

United Fire Group, Inc: The Investment Case in Detail

United Fire Group, Inc (UFCS) operates in the Financial Services — specifically Insurance - Property & Casualty — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 11.6% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 71.6% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

The PEG ratio at 1.41 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric. The EV/EBITDA multiple of 6.55x is below the historical equity-market average — strategic acquirers would find the cash-flow profile attractive at this level.

What to Watch Next

• The share is trading at 93.8% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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