UFCSNasdaqFire, Marine & Casualty InsuranceFiscal year ends December 31
UNITED FIRE GROUP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 4, 2026
$56.11−0.33 (-0.58%)
Close on Oct 19, 2026
- Market cap
- $1.45B
- P/E (TTM)
- 10.4
- Dividend yield
- 1.14%
United Fire statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Fire, Marine & Casualty Insurance companies for comparison
Valuation
| Measure | United Fire | Industry median |
|---|---|---|
| Market Cap | $1.44B | $3.25B |
| Enterprise Value | $1.30B | $2.52B |
| PE Ratio | 10.43 | 10.38 |
| PS Ratio | 0.98 | 1.08 |
| PB Ratio | 1.48 | 1.48 |
| P/TBV Ratio | 1.48 | 1.56 |
| P/OCF Ratio | 5.31 | 7.31 |
Enterprise value
| Measure | United Fire | Industry median |
|---|---|---|
| EV / Sales | 0.88 | 0.93 |
| EV / EBITDA | 6.49 | 6.38 |
Income (trailing twelve months)
| Measure | United Fire | Industry median |
|---|---|---|
| Revenue | $1.47B | $4.57B |
| Pretax Income | $176.84M | $589.53M |
| Net Income | $140.96M | $470.80M |
| EBITDA | $200.88M | $657.96M |
| EPS (Diluted) | $5.38 | $4.71 |
Margins
| Measure | United Fire | Industry median |
|---|---|---|
| Pretax Margin | 12.0% | 13.7% |
| Profit Margin | 9.57% | 10.7% |
| EBITDA Margin | 13.6% | 13.5% |
Returns
| Measure | United Fire | Industry median |
|---|---|---|
| Return on Equity (ROE) | 15.5% | 13.9% |
| Return on Assets (ROA) | 3.67% | 3.31% |
Growth
| Measure | United Fire | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 11.4% | 8.06% |
| Net Income Growth (YoY) | 53.5% | 25.1% |
| EPS Growth (YoY) | 53.3% | 27.7% |
| Revenue Growth (3Y CAGR) | 12.2% | 9.53% |
| Revenue Growth (5Y CAGR) | 5.34% | 8.29% |
| EPS Growth (3Y CAGR) | 96.6% | 15.9% |
Balance sheet
| Measure | United Fire | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $139.45M | $482.49M |
| Net Cash (Debt) | $139.45M | $300.85M |
| Net Cash Per Share | $5.42 | $5.27 |
| Equity (Book Value) | $977.34M | $3.63B |
| Book Value Per Share | $38.02 | $41.34 |
| Tangible Book Value | $974.32M | $2.59B |
Cash flow (trailing twelve months)
| Measure | United Fire | Industry median |
|---|---|---|
| Operating Cash Flow | $271.55M | $631.50M |
Efficiency
| Measure | United Fire | Industry median |
|---|---|---|
| Asset Turnover | 0.38 | 0.27 |
| Revenue Per Employee | $1.26M | $1.68M |
| Profits Per Employee | $120.17K | $188.96K |
| Employee Count | 1,173 | 1,400 |
Dividends and yields
| Measure | United Fire | Industry median |
|---|---|---|
| Earnings Yield | 9.77% | 9.43% |
| Dividend Yield | 1.14% | 2.02% |
| Buyback Yield | 0.14% | 2.87% |
| Shareholder Yield | 1.28% | 4.57% |
| Dividend Per Share | $0.64 | $1.75 |
| Dividend Growth (YoY) | 0.00% | 4.86% |
| Years of Dividend Growth | 0 | 3 |
| Payout Ratio | 13.1% | 20.2% |
Shares
| Measure | United Fire | Industry median |
|---|---|---|
| Shares Outstanding | 25,705,400 | 65,596,200 |
| Shares Change (YoY) | 0.27% | -1.19% |
| Shares Change (QoQ) | 0.20% | -0.31% |
| Float | 21,484,300 | 56,719,400 |
| Shares Held by Insiders | 16.4% | 3.34% |
| Shares Held by Institutions | 68.4% | 85.3% |
Taxes
| Measure | United Fire | Industry median |
|---|---|---|
| Income Tax | $35.88M | $105.00M |
| Effective Tax Rate | 20.3% | 19.8% |
Scores
| Measure | United Fire | Industry median |
|---|---|---|
| Graham Number | $67.84 | $76.86 |
| Graham Upside | 20.9% | 18.9% |
| Altman Z-Score | 0.92 | 0.87 |
| Piotroski F-Score | 5 | 5 |
Calculated by StockData from United Fire's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.