United Fire Group Inc. (UFCS) Stock Price

UFCSStock

$56.44+85.72%52W

Market Cap$1.45B

P/E12.28x

PEG Ratio1.41

Div yield3.04%

Beta0.57

UFCS Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)33.63%

Price vs S&P 500 (4W)6.94%

PEG Ratio1.41

VGM Score69.17

P/E Ratio (Annual)12.28x

Indicated Dividend Yield (Annual)3.04%

P/CF (Annual)5.38x

Book Value / Share (Quarterly)$38.02

P/TBV (Annual)0.99x

Indicated Dividend (Annual)$0.80

Revenue Growth (3Y)12.25%

Cash Flow / Share (Quarterly)$10.44

Payout Ratio (TTM)13.07%

Price vs S&P 500 (YTD)43.34%

Net Profit Margin (TTM)9.57%

EPS (TTM)$5.37

10-Day Avg Trading Volume0.12M

EPS Excl Extra (TTM)$5.37

Revenue Growth (5Y)5.35%

EPS (Annual)$4.48

Dividend / Share (Annual)$0.64

ROI (Annual)10.87%

Net Profit Margin (5Y Avg)3.97%

Cash / Share (Quarterly)$2.74

P/E Basic Excl Extra (TTM)10.29x

Revenue Growth QoQ (YoY)14.38%

P/E Normalized (Annual)12.28x

ROA (Last FY)3.08%

Revenue Growth TTM (YoY)11.36%

EBITD / Share (TTM)$7.66

ROE (5Y Avg)5.53%

Operating Margin (TTM)12.87%

Cash Flow / Share (Annual)$10.32

P/B Ratio1.48x

P/B Ratio (Quarterly)1.38x

Net Income / Employee (Annual)$139,700

EV / Revenue (TTM)0.99x

Net Interest Coverage (TTM)14.13x

ROA (TTM)3.63%

EPS Growth QoQ (YoY)48.18%

EV / EBITDA (TTM)7.26x

EPS Incl Extra (Annual)$4.48

Current Ratio (Annual)0.12x

Quick Ratio (Quarterly)0.02x

3-Month Avg Trading Volume0.15M

52-Week Price Return85.72%

EV / Free Cash Flow (Annual)5.54x

P/E Incl Extra (TTM)10.29x

Revenue / Employee (TTM)$1,741,100

Tangible BV / Share (Quarterly)$37.90

P/S Ratio (Annual)1.05x

Asset Turnover (Annual)0.36x

52-Week High$56.98

Operating Margin (5Y Avg)5.16%

EPS Excl Extra (Annual)$4.48

CapEx CAGR (5Y)-19.36%

Tangible BV CAGR (5Y)2.76%

26-Week Price Return43.54%

Quick Ratio (Annual)0.10x

13-Week Price Return10.47%

Total Debt / Equity (Annual)0.16x

Current Ratio (Quarterly)0.02x

Enterprise Value$1.46B

Revenue / Share Growth (5Y)4.24%

Asset Turnover (TTM)0.38x

Book Value / Share Growth (5Y)2.32%

Revenue / Employee (Annual)$1,638,800

Pretax Margin (Annual)10.67%

Cash / Share (Annual)$3.83

3-Month Return Std Dev22.68%

Net Income / Employee (TTM)$166,600

EBITDA Interim CAGR (5Y)19.64%

ROE (Last FY)12.56%

Net Interest Coverage (Annual)14.96x

EPS Basic Excl Extra (Annual)$4.48

P/FCF (TTM)5.40x

EV / Free Cash Flow (TTM)5.43x

Total Debt / Equity (Quarterly)0.15x

EPS Incl Extra (TTM)$5.37

ROI (TTM)12.95%

Dividend Growth Rate (5Y)-10.85%

P/S Ratio (TTM)0.98x

Pretax Margin (5Y Avg)4.70%

Revenue / Share (Annual)$52.61

Tangible BV / Share (Annual)$36.75

Forward P/E11.10x

Free OCF CAGR (5Y)63.55%

Price vs S&P 500 (52W)70.19%

P/E Ratio (TTM)10.29x

EPS Growth TTM (YoY)52.92%

Year-to-Date Return55.27%

5-Day Price Return0.79%

EPS Normalized (Annual)$4.48

ROA (5Y Avg)1.42%

Net Profit Margin (Annual)8.52%

Month-to-Date Return7.32%

Cash Flow / Share (TTM)$-0.86

EBITD / Share (Annual)$6.45

EPS Growth (3Y)96.05%

Operating Margin (Annual)11.48%

LT Debt / Equity (Annual)0.16x

P/CF (TTM)5.34x

ROI (5Y Avg)4.91%

P/E Excl Extra (TTM)10.29x

LT Debt / Equity (Quarterly)0.15x

EPS Basic Excl Extra (TTM)$5.37

P/TBV (Quarterly)1.38x

Payout Ratio (Annual)13.80%

P/B Ratio (Annual)0.99x

Dividend / Share (TTM)$0.72

Pretax Margin (TTM)12.01%

Book Value / Share (Annual)$36.88

Price vs S&P 500 (13W)7.79%

Dividend Yield (TTM)1.27%

Beta0.57x

P/FCF (Annual)5.51x

Revenue / Share (TTM)$56.88

ROE (TTM)14.96%

52-Week Low$29.85

vGradeC

gGradeB

mGradeA

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UFCS Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 3, 2026	$0.69	$1.30	+87.05%(+$0.61)
Q1 2026	May 5, 2026	$0.83	$1.16	+39.76%(+$0.33)
Q4 2025	Feb 10, 2026	$0.91	$1.50	+65.75%(+$0.60)
Q3 2025	Nov 4, 2025	$0.72	$1.50	+108.33%(+$0.78)
Q2 2025	Aug 5, 2025	$0.56	$0.90	+60.71%(+$0.34)

UFCS Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.00

Industry Peers — Property & Casualty Insurance(74)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	Indicated Dividend Yield (Annual)	Operating Margin (TTM)	Price
UFCSUnited Fire Group Inc.	C	B	A	1.4x	15.0%	3.0%	12.9%	$56.44
BRK.BBERKSHIRE HATHAWAY Class B	F	C	B	1.4x	11.9%	—	13.9%	$532.02
BRK.ABerkshire Hathaway Inc.	F	C	B	1.4x	11.9%	—	13.9%	$798000.00
CBChubb Limited	D	C	B	1.8x	15.2%	1.5%	23.3%	$359.79
PGRProgressive Corporation	C	C	C	3.7x	35.4%	0.2%	16.6%	$218.49
TRVThe Travelers Companies, Inc.	D	C	A	2.1x	25.6%	2.3%	22.0%	$389.54
ALLThe Allstate Corporation	B	B	B	1.8x	43.1%	2.6%	24.2%	$247.88
AIGAmerican International Group, Inc.	C	D	C	1.0x	7.3%	2.2%	15.1%	$80.74
HIGThe Hartford Insurance Group, Inc.	C	C	C	1.9x	23.0%	2.4%	17.6%	$135.12
ACGLArch Capital Group Ltd	C	C	C	1.4x	19.5%	—	23.9%	$101.27
WRBW.R. Berkley Corporation	D	C	C	2.7x	19.7%	0.5%	17.4%	$75.42
CINFCincinnati Financial Corp	D	C	C	1.7x	20.9%	2.9%	16.6%	$171.25
MKLMarkel Group Inc.	C	C	D	1.3x	12.4%	—	18.6%	$1850.13
LLoews Corporation	D	C	C	1.2x	9.0%	0.4%	14.0%	$110.52
EGEverest Group, Ltd.	B	C	B	0.9x	12.4%	1.7%	14.3%	$389.10
RNRRenaissanceRe Holdings Ltd.	B	C	B	1.1x	22.7%	0.7%	42.0%	$351.06
CNACNA Financial Corporation	B	C	D	1.2x	11.0%	4.0%	11.2%	$47.90
AFGAmerican Financial Group, Inc.	D	D	B	2.4x	20.0%	2.5%	14.4%	$149.13
KNSLKinsale Capital Group, Inc.	F	B	C	3.7x	29.1%	0.2%	33.8%	$365.24
THGThe Hanover Insurance Group, Inc.	C	C	A	2.0x	21.2%	2.7%	14.6%	$232.97
AXSAxis Capital Holders Limited	B	B	D	1.2x	17.3%	3.2%	19.7%	$99.63
MCYMercury General Corp.	B	B	C	2.1x	37.2%	3.4%	18.8%	$102.80
RLIRLI Corp.	D	B	C	3.1x	24.4%	0.8%	28.5%	$61.07
SIGISelective Insurance Group	C	C	C	1.6x	13.9%	1.4%	11.9%	$89.16
WTMWhite Mountains Insurance Group Ltd.	C	B	C	1.0x	21.2%	0.0%	46.7%	$2160.31
PLMRPalomar Holdings, Inc. Common stock	F	A	B	3.4x	21.6%	1.5%	24.1%	$139.59
HGHamilton Insurance Group, Ltd. Class B Common Shares	B	B	B	1.2x	21.2%	0.0%	28.2%	$36.21
LMNDLemonade, Inc.	F	A	F	10.0x	-26.8%	—	-13.7%	$44.20
SLDESlide Insurance Holdings, Inc. Common Stock	B	A	A	1.9x	50.7%	1.3%	53.0%	$27.07
SPNTSiriusPoint Ltd.	C	B	C	1.2x	21.8%	—	22.0%	$25.12
SKWDSkyward Specialty Insurance Group, Inc. Common Stock	D	B	B	1.9x	16.8%	—	15.2%	$61.23
HCIHCI Group, Inc.	C	B	C	2.1x	30.8%	1.8%	48.8%	$198.55
PLGOPelagos Insurance Capital Limited	B	C	B	0.9x	17.3%	2.5%	19.5%	$25.36
HMNHorace Mann Educators Corporation	B	C	D	1.4x	12.0%	3.9%	14.6%	$46.33
KMPRKemper Corporation	B	F	C	0.7x	-19.3%	2.9%	-10.2%	$29.27
SAFTSafety Insurance Group Inc	D	D	A	1.3x	7.8%	4.7%	6.8%	$104.03
UVEUNIVERSAL INSURANCE HLDG, INC.	B	B	A	1.8x	38.8%	3.8%	17.9%	$47.12
ASICAtegrity Specialty Insurance Company Holdings	D	A	A	1.7x	17.1%	—	20.6%	$27.25
BOWBowhead Specialty Holdings Inc.	D	B	B	2.1x	13.7%	—	14.7%	$34.19
HRTGHERITAGE INSURANCE HOLDINGS INC	B	C	A	1.4x	42.4%	2.8%	34.5%	$35.77
HIPOHippo Holdings Inc.	D	A	B	1.6x	27.4%	—	24.6%	$35.28
EIGEmployers Holdings, Inc.	D	D	B	1.1x	0.8%	2.9%	1.1%	$51.21
ROOTRoot, Inc. Class A Common Stock	B	C	D	2.0x	15.1%	—	5.2%	$50.47
MHLAMaiden Holdings, Ltd.	C	C	F	0.6x	-30.2%	—	-83.3%	$8.93
DGICBDonegal Group Inc	C	D	C	1.1x	11.0%	4.7%	9.2%	$19.09
DGICADonegal Group Inc	C	D	C	1.1x	11.0%	4.7%	9.2%	$18.68
TIPTTiptree Inc. Common Stock	A	C	D	0.7x	68.6%	1.1%	7.7%	$16.46
AIIAmerican Integrity Insurance Group, Inc.	B	C	B	1.0x	25.9%	0.0%	36.2%	$27.50
ACICAmerican Coastal Insurance Corporation Common Stock	C	D	C	1.6x	30.4%	0.0%	40.3%	$11.10
GLREGreenlight Captial RE, LTD. Class A	B	C	D	0.8x	7.3%	—	5.0%	$14.82
AMSFAMERISAFE, Inc.	C	D	F	2.5x	18.4%	2.6%	14.5%	$25.25

About United Fire Group Inc.

United Fire Group is a property and casualty insurance company that writes commercial and personal lines coverage and sells annuities through independent agencies. The company generates revenue from insurance premiums and investment income, with additional earnings from assumed reinsurance operations.

UFCS Next Earnings Report

Report dateNov 3, 2026

QuarterQ3 2026

Report timeAMC

EPS estimate$1.19

Revenue estimate$413.52M

Also reporting on Nov 3, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for November 2026

UFCS Insider Transactions

SellSep 3, 2026
CARLTON SCOTT L
Director
Shares: 9,777Value: $542,799

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for September 2026

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Same SIC sector, outside this company's own industry.

Analyst Sentiment

4.0

Buy

Consensus rating

52-Week Range

Low$29.85

High$56.98