Symbols / UFCS Stock $40.15 +0.48% United Fire Group, Inc.

Financial Services • Insurance - Property & Casualty • United States • NMS
UFCS (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Kevin James Leidwinger
Exch · Country NMS · United States
Market Cap 1.03B
Enterprise Value 1.03B
Income 118.19M
Sales 1.39B
FCF (ttm) -1.12B
Book/sh 36.88
Cash/sh 6.12
Employees 846
Insider 10d —
IPO Mar 18, 1980
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 14.29%
P/E 8.96
Forward P/E 10.76
PEG 1.41
P/S 0.74
P/B 1.09
P/C —
EV/EBITDA 6.05
EV/Sales 0.74
Quick Ratio 0.47
Current Ratio 0.68
Debt/Eq 16.93
LT Debt/Eq —
EPS (ttm) 4.48
EPS next Y 3.73
EPS Growth 20.00%
Revenue Growth 9.80%
EPS Gr Q/Q 22.00%
Rev Gr Q/Q —
Earnings (next) 2026-05-05
Earnings (prior) 2026-02-10
ROA 2.71%
ROE 13.72%
ROIC —
Gross Margin 11.48%
Oper. Margin 14.05%
Profit Margin 8.53%
Shs Outstand 25.61M
Shs Float 22.08M
Insider Own 17.43%
Instit Own 67.74%
Short Float 1.59%
Short Ratio 2.74
Short Interest 286.24K
52W High 40.79
vs 52W High -1.57%
52W Low 25.79
vs 52W Low 55.68%
Beta 0.41
Impl. Vol. 36.21%
Rel Volume 0.61
Avg Volume 117.40K
Volume 71.99K
Target (mean) $40.50
Tgt Median $40.50
Tgt Low $40.00
Tgt High $41.00
# Analysts 2
Recom None
Prev Close $39.96
Price $40.15
Change 0.48%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$40.50
Mean price target
2. Current target
$40.15
Latest analyst target
3. DCF / Fair value
$-784.03
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$40.15
Low
$40.00
High
$41.00
Mean
$40.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-02 main Jones Trading Buy → Buy $40
2026-02-12 main Piper Sandler Neutral → Neutral $41
2025-12-22 main Piper Sandler Neutral → Neutral $37
2025-11-12 main Jones Trading Buy → Buy $38
2025-08-11 main Jones Trading Buy → Buy $33
2025-05-12 main Jones Trading Buy → Buy $32
2025-03-05 init Jones Trading — → Buy $32
2025-02-13 main Piper Sandler Neutral → Neutral $28
2024-11-18 up Piper Sandler Underweight → Neutral $26
2024-08-08 main Piper Sandler Underweight → Underweight $19
2024-04-01 main Piper Sandler Underweight → Underweight $21
2023-10-06 main Piper Sandler Underweight → Underweight $18
2023-07-06 main Piper Sandler Underweight → Underweight $22
2023-04-04 main Piper Sandler — → Underweight $26
2023-02-13 down Piper Sandler Neutral → Underweight $25
2022-10-28 down Piper Sandler Overweight → Neutral $31
2022-08-05 up Piper Sandler Neutral → Overweight $37
2022-06-27 down Piper Sandler Overweight → Neutral $37
2022-03-21 main Piper Sandler — → Overweight $37
2021-12-01 up Piper Sandler Neutral → Overweight $25
News
RSS: Latest UFCS news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-04 DRAHOZAL CHRISTOPHER R Director — 12,750 $37.94 $489,890
2026-03-02 MCINTYRE DEE ANN Beneficial Owner of more than 10% of a Class of Security — 12,750 $27.65 $401,041
2026-02-24 LEIDWINGER KEVIN JAMES Chief Executive Officer — 9,141 $37.72 $344,799
2026-02-24 MARTIN ERIC J. Chief Financial Officer — 2,212 $37.72 $83,437
2026-02-24 MADSEN SARAH E. Officer — 1,343 $37.72 $50,658
2026-02-24 STEPHENSON JULIE A. Chief Operating Officer — 3,540 $37.72 $133,529
2026-02-20 LEIDWINGER KEVIN JAMES Chief Executive Officer — 22,710 $38.53 $875,016
2026-02-20 MARTIN ERIC J. Chief Financial Officer — 7,660 $38.53 $295,140
2026-02-20 MADSEN SARAH E. Officer — 5,714 $38.53 $220,160
2026-02-20 STEPHENSON JULIE A. Chief Operating Officer — 9,109 $38.53 $350,970
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,387.89
+10.87%
1,251.86
+13.98%
1,098.33
+11.14%
988.22
Operating Revenue
1,387.89
+10.87%
1,251.86
+13.98%
1,098.33
+11.14%
988.22
Other Operating Expenses
0.88
-58.47%
2.11
+22.29%
1.72
+428.82%
-0.52
Total Expenses
1,239.96
+5.54%
1,174.83
+3.23%
1,138.05
+16.59%
976.14
Reconciled Depreciation
10.77
-1.23%
10.90
+3.77%
10.51
+37.00%
7.67
EBIT
159.20
+88.82%
84.31
+331.25%
-36.46
-338.85%
15.27
Total Unusual Items
—
—
—
0.00
Total Unusual Items Excluding Goodwill
—
—
—
0.00
Special Income Charges
—
—
—
0.00
Impairment Of Capital Assets
—
—
—
0.00
Net Income
118.19
+90.76%
61.96
+308.61%
-29.70
-297.59%
15.03
Pretax Income
147.94
+92.04%
77.03
+293.94%
-39.72
-428.90%
12.08
Net Non Operating Interest Income Expense
-11.27
-54.75%
-7.28
-123.34%
-3.26
-2.26%
-3.19
Interest Expense Non Operating
11.27
+54.75%
7.28
+123.34%
3.26
+2.26%
3.19
Net Interest Income
-11.27
-54.75%
-7.28
-123.34%
-3.26
-2.26%
-3.19
Interest Expense
11.27
+54.75%
7.28
+123.34%
3.26
+2.26%
3.19
Interest Income
106.68
+23.35%
86.48
+27.54%
67.81
+10.08%
61.60
Other Income Expense
—
—
—
-0.29
Tax Provision
29.75
+97.29%
15.08
+250.45%
-10.02
-239.23%
-2.95
Tax Rate For Calcs
0.00
+2.55%
0.00
-22.22%
0.00
+20.00%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
118.19
+90.76%
61.96
+308.61%
-29.70
-297.59%
15.03
Net Income From Continuing Operation Net Minority Interest
118.19
+90.76%
61.96
+308.61%
-29.70
-297.59%
15.03
Net Income From Continuing And Discontinued Operation
118.19
+90.76%
61.96
+308.61%
-29.70
-297.59%
15.03
Net Income Continuous Operations
118.19
+90.76%
61.96
+308.61%
-29.70
-297.59%
15.03
Normalized Income
118.19
+90.76%
61.96
+308.61%
-29.70
-297.59%
15.03
Net Income Common Stockholders
118.19
+90.76%
61.96
+308.61%
-29.70
-297.59%
15.03
Diluted EPS
—
2.39
+302.54%
-1.18
-300.00%
0.59
Basic EPS
—
2.44
+307.72%
-1.18
-297.13%
0.60
Basic Average Shares
—
25.38
+0.43%
25.27
+0.24%
25.21
Diluted Average Shares
—
25.92
+2.59%
25.27
-0.81%
25.48
Diluted NI Availto Com Stockholders
118.19
+90.76%
61.96
+308.61%
-29.70
-297.59%
15.03
Loss Adjustment Expense
764.40
+2.66%
744.61
-3.22%
769.41
+20.73%
637.30
Net Policyholder Benefits And Claims
764.40
+2.66%
744.61
-3.22%
769.41
+20.73%
637.30
Policyholder Benefits Ceded
75.23
+45.17%
51.83
-46.35%
96.60
—
Policyholder Benefits Gross
839.64
+5.42%
796.43
-8.04%
866.02
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
3,840.79
+10.10%
3,488.47
+10.95%
3,144.19
+9.09%
2,882.29
Cash Cash Equivalents And Short Term Investments
1,274.37
-38.42%
2,069.38
+15.70%
1,788.65
+1745.39%
96.92
Cash And Cash Equivalents
156.33
-22.20%
200.95
+96.92%
102.05
+5.58%
96.65
Other Short Term Investments
1,118.03
-40.16%
1,868.43
+10.78%
1,686.60
+613209.82%
0.28
Receivables
736.96
+5.91%
695.81
-1.93%
709.52
+24.89%
568.10
Accounts Receivable
736.43
+8.04%
681.63
-0.93%
688.06
+28.21%
536.68
Taxes Receivable
0.53
-96.25%
14.18
-33.93%
21.46
-31.69%
31.42
Prepaid Assets
32.36
-27.92%
44.89
+62.17%
27.68
+144.97%
11.30
Net PPE
132.63
-2.49%
136.02
+1.32%
134.25
+0.85%
133.11
Goodwill And Other Intangible Assets
3.20
-18.15%
3.91
-15.36%
4.62
-13.32%
5.32
Other Intangible Assets
3.20
-18.15%
3.91
-15.36%
4.62
-13.32%
5.32
Investments And Advances
2,205.35
+18.03%
1,868.43
+7.28%
1,741.62
+1.21%
1,720.72
Total Liabilities Net Minority Interest
2,899.62
+7.12%
2,706.94
+12.30%
2,410.45
+12.52%
2,142.17
Payables And Accrued Expenses
—
—
—
120.51
Current Accrued Expenses
—
—
—
120.51
Long Term Debt And Capital Lease Obligation
146.20
+24.89%
117.06
+134.12%
50.00
+0.00%
50.00
Long Term Debt
146.20
+24.89%
117.06
+134.12%
50.00
+0.00%
50.00
Non Current Deferred Liabilities
—
—
—
—
Non Current Deferred Taxes Liabilities
—
—
—
—
Stockholders Equity
941.17
+20.43%
781.53
+6.51%
733.75
-0.86%
740.11
Common Stock Equity
941.17
+20.43%
781.53
+6.51%
733.75
-0.86%
740.11
Capital Stock
0.03
+0.00%
0.03
+0.00%
0.03
+0.00%
0.03
Common Stock
0.03
+0.00%
0.03
+0.00%
0.03
+0.00%
0.03
Share Issued
25.52
+0.57%
25.38
+0.43%
25.27
+0.24%
25.21
Ordinary Shares Number
25.52
+0.57%
25.38
+0.43%
25.27
+0.24%
25.21
Additional Paid In Capital
223.89
+3.72%
215.85
+2.79%
209.99
+1.43%
207.03
Retained Earnings
722.32
+16.42%
620.44
+7.96%
574.69
-7.39%
620.55
Gains Losses Not Affecting Retained Earnings
-5.06
+90.76%
-54.78
-7.50%
-50.96
+41.76%
-87.50
Other Equity Adjustments
-5.06
+90.76%
-54.78
-7.50%
-50.96
+41.76%
-87.50
Total Equity Gross Minority Interest
941.17
+20.43%
781.53
+6.51%
733.75
-0.86%
740.11
Total Capitalization
1,087.37
+21.01%
898.59
+14.65%
783.75
-0.81%
790.11
Invested Capital
1,087.37
+21.01%
898.59
+14.65%
783.75
-0.81%
790.11
Total Debt
146.20
+24.89%
117.06
+134.12%
50.00
+0.00%
50.00
Net Tangible Assets
937.97
+20.62%
777.62
+6.65%
729.13
-0.77%
734.79
Tangible Book Value
937.97
+20.62%
777.62
+6.65%
729.13
-0.77%
734.79
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
269.74
-20.73%
340.30
+98.16%
171.74
+13827.90%
-1.25
Cash Flow From Continuing Operating Activities
269.74
-20.73%
340.30
+98.16%
171.74
+13827.90%
-1.25
Net Income From Continuing Operations
118.19
+90.76%
61.96
+308.61%
-29.70
-297.59%
15.03
Depreciation
—
—
9.80
+40.77%
6.96
Amortization Cash Flow
—
—
0.71
+0.00%
0.71
Depreciation And Amortization
10.77
-1.23%
10.90
+3.77%
10.51
+37.00%
7.67
Amortization Of Intangibles
—
—
0.71
+0.00%
0.71
Stock Based Compensation
9.03
+63.66%
5.52
+69.96%
3.25
+14.86%
2.83
Asset Impairment Charge
—
—
—
0.00
Deferred Tax
-5.65
+32.64%
-8.39
-1.01%
-8.31
-111.40%
-3.93
Deferred Income Tax
-5.65
+32.64%
-8.39
-1.01%
-8.31
-111.40%
-3.93
Operating Gains Losses
4.28
-93.13%
62.28
-45.62%
114.53
+152.57%
45.35
Gain Loss On Investment Securities
4.28
-93.13%
62.28
-45.62%
114.53
+152.57%
45.35
Change In Working Capital
131.57
-35.35%
203.50
+173.66%
74.36
+196.33%
-77.19
Change In Receivables
-41.15
-400.08%
13.71
+109.70%
-141.42
-55.18%
-91.14
Changes In Account Receivables
-54.80
-952.11%
6.43
+104.25%
-151.38
-64.37%
-92.10
Change In Prepaid Assets
12.54
+172.84%
-17.21
-5.05%
-16.38
-730.73%
-1.97
Change In Payables And Accrued Expense
-2.13
-248.60%
1.43
-97.98%
70.96
+446.99%
12.97
Change In Accrued Expense
-2.13
-248.60%
1.43
-97.98%
70.96
+446.99%
12.97
Change In Other Working Capital
3.82
+325.96%
-1.69
-158.29%
2.90
-60.13%
7.28
Change In Other Current Assets
5.10
+323.94%
-2.28
+93.38%
-34.40
-322.85%
-8.14
Investing Cash Flow
-325.96
-11.45%
-292.49
-95.14%
-149.89
-681.84%
-19.17
Cash Flow From Continuing Investing Activities
-325.96
-11.45%
-292.49
-95.14%
-149.89
-681.84%
-19.17
Net PPE Purchase And Sale
-6.45
+45.70%
-11.87
-9.04%
-10.89
-409.41%
-2.14
Purchase Of PPE
—
—
—
—
Capital Expenditure
-6.45
+45.70%
-11.87
-9.04%
-10.89
-409.41%
-2.14
Net Investment Purchase And Sale
-319.52
-13.86%
-280.62
-114.44%
-130.86
-672.92%
-16.93
Purchase Of Investment
-713.97
+25.67%
-960.57
-227.90%
-292.95
+1.48%
-297.35
Sale Of Investment
394.45
-41.99%
679.96
+319.51%
162.08
-42.20%
280.42
Financing Cash Flow
11.60
-77.29%
51.09
+410.48%
-16.45
-9.46%
-15.03
Cash Flow From Continuing Financing Activities
11.60
-77.29%
51.09
+410.48%
-16.45
-9.46%
-15.03
Net Issuance Payments Of Debt
30.00
-57.14%
70.00
0.00
0.00
Issuance Of Debt
30.00
-57.14%
70.00
0.00
0.00
Long Term Debt Issuance
30.00
-57.14%
70.00
0.00
0.00
Net Long Term Debt Issuance
30.00
-57.14%
70.00
—
—
Net Common Stock Issuance
-0.99
-385.34%
0.35
+220.00%
-0.29
-135.02%
0.83
Common Stock Payments
-0.99
—
-0.29
0.00
Common Stock Dividend Paid
-16.31
-0.58%
-16.21
-0.30%
-16.16
-1.92%
-15.86
Cash Dividends Paid
-16.31
-0.58%
-16.21
-0.30%
-16.16
-1.92%
-15.86
Repurchase Of Capital Stock
-0.99
—
-0.29
0.00
Net Other Financing Charges
-1.10
+64.00%
-3.05
—
—
Changes In Cash
-44.62
-145.11%
98.90
+1732.89%
5.40
+115.22%
-35.45
Beginning Cash Position
200.95
+96.92%
102.05
+5.58%
96.65
-26.84%
132.10
End Cash Position
156.33
-22.20%
200.95
+96.92%
102.05
+5.58%
96.65
Free Cash Flow
263.30
-19.83%
328.43
+104.19%
160.85
+4847.64%
-3.39
Interest Paid Supplemental Data
11.27
+57.10%
7.17
+120.00%
3.26
+2.26%
3.19
Income Tax Paid Supplemental Data
23.55
+46.17%
16.11
+1095.25%
1.35
-93.74%
21.55
Amortization Of Securities
1.55
-65.79%
4.53
-36.11%
7.09
-21.20%
9.00
Common Stock Issuance
—
0.35
—
0.83
Issuance Of Capital Stock
—
0.35
—
0.83
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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