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United Fire Group Inc

United Fire Group Inc

UFCS · NASDAQ · Financial Services / Insurance - Property & Casualty

50.91USD-0.39 (-0.76%)

Price History

Full chart

Market Stats

Previous Close51.30
Open51.53
Day Range50.02 – 51.94
52-Week Range29.21 – 56.74
Volume105.00K
Market Cap1.37B
P/E (TTM)9.90
Forward P/E14.10
EPS5.39
Dividend Yield1.50%
Beta0.51
50-Day Avg53.46
200-Day Avg44.17

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.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Kevin James Leidwinger
  • Employees846
  • Headquarters118 Second Avenue SE, Cedar Rapids, IA, United States, 52401, USA
  • Websitehttps://www.ufginsurance.com

Leadership

  • Mr. Kevin James LeidwingerPresident, CEO, Principal Executive Officer & Executive Director · b. 1964
  • Mr. Eric John MartinExecutive VP & CFO · b. 1971
  • Ms. Julie Anne StephensonExecutive VP & COO · b. 1968
  • Ms. Sarah Emily MadsenSenior VP, Chief Legal Officer & Corporate Secretary · b. 1979
  • Mr. Steven Dennis HernandezSenior VP & Chief HR Officer · b. 1967
  • Mr. Adam Michael VogtVP, Chief Accounting Officer & Controller
  • Ms. Lindsay Erin LovvornSenior VP & Chief Administrative Officer
  • Timothy BorstVice President of Investor Relations
  • Mr. Michael John SheeleyVP & Chief Marketing Officer · b. 1961
  • Mr. Micah Grant WoolstenhulmeSenior VP & Chief Reinsurance Officer · b. 1976

Financials

Income Statement

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue115.90M137.90M150.30M144.20M167.90M185.20M211.30M217.90M233.80M264.59M300.27M311.13M338.27M353.22M420.58M472.95M510.88M573.28M608.13M619.61M635.60M638.53M601.45M572.19M590.68M705.14M810.68M870.01M939.98M896.96M986.18M1.06B1.08B1.20B1.08B1.06B988.22M1.10B1.25B1.39B
Growth (%)-+18.98%+8.99%-4.06%+16.44%+10.30%+14.09%+3.12%+7.30%+13.17%+13.49%+3.62%+8.72%+4.42%+19.07%+12.45%+8.02%+12.22%+6.08%+1.89%+2.58%+0.46%-5.81%-4.86%+3.23%+19.38%+14.97%+7.32%+8.04%-4.58%+9.95%+7.03%+2.34%+11.09%-10.15%-2.02%-6.46%+11.14%+13.98%+10.75%
Cost of Revenue---2.00M2.20M2.00M31.50M34.30M35.10M-----398.78M396.11M481.07M489.41M449.06M558.32M460.95M276.38M429.80M406.39M493.38M658.97M686.04M685.28M770.56M723.95M875.40M933.46M937.84M1.05B1.08B855.59M850.38M1.01B1.03B764.40M
Gross Profit115.90M137.90M150.30M142.20M165.70M183.20M179.80M183.60M198.70M264.59M300.27M311.13M338.27M353.22M420.58M76.84M510.88M573.28M159.07M61.28M174.65M362.15M171.65M165.80M97.30M46.18M124.64M184.73M169.42M173.01M110.78M122.09M142.44M153.18M-1.46M200.91M137.84M83.93M225.92M622.01M
Gross Margin100.00%100.00%100.00%98.61%98.69%98.92%85.09%84.26%84.99%100.00%100.00%100.00%100.00%100.00%100.00%16.25%100.00%100.00%26.16%9.89%27.48%56.72%28.54%28.98%16.47%6.55%15.37%21.23%18.02%19.29%11.23%11.57%13.19%12.76%-0.14%19.02%13.95%7.64%18.05%44.86%
Operating Expense105.10M116.70M127.60M5.20M6.20M8.30M12.30M15.00M17.10M206.04M252.20M250.46M283.27M303.70M360.82M48.21M433.09M436.93M44.26M54.73M49.16M202.81M204.79M194.51M38.92M58.89M78.56M82.83M92.95M57.64M53.28M106.44M151.59M136.30M168.06M104.06M125.76M123.65M148.88M474.07M
Operating Income10.80M21.20M22.70M137.00M159.50M174.90M167.50M168.60M181.60M58.55M48.08M60.67M55.00M49.52M59.76M28.63M77.79M136.36M114.81M6.56M125.49M159.33M-33.14M-28.71M58.38M-12.71M46.07M101.90M76.46M115.37M57.50M15.65M-9.15M16.88M-169.51M96.84M12.08M-39.72M77.03M147.94M
Operating Margin9.32%15.37%15.10%95.01%95.00%94.44%79.27%77.37%77.67%22.13%16.01%19.50%16.26%14.02%14.21%6.05%15.23%23.79%18.88%1.06%19.74%24.95%-5.51%-5.02%9.88%-1.80%5.68%11.71%8.13%12.86%5.83%1.48%-0.85%1.41%-15.72%9.17%1.22%-3.62%6.15%10.67%
EBITDA10.80M21.20M22.70M6.40M7.90M9.90M13.30M15.30M19.20M59.78M50.18M61.78M55.46M52.60M64.21M80.90M81.54M140.33M175.10M65.03M178.13M206.00M10.66M16.48M104.24M35.70M54.05M107.50M83.35M121.84M63.53M20.22M-3.98M28.07M-162.86M106.60M22.93M-25.95M95.22M169.97M
EBITDA Margin9.32%15.37%15.10%4.44%4.71%5.35%6.29%7.02%8.21%22.59%16.71%19.86%16.40%14.89%15.27%17.10%15.96%24.48%28.79%10.50%28.03%32.26%1.77%2.88%17.65%5.06%6.67%12.36%8.87%13.58%6.44%1.92%-0.37%2.34%-15.10%10.09%2.32%-2.36%7.61%12.26%
Net Income8.00M17.70M19.30M11.20M20.20M15.00M1.70M18.60M22.50M28.80M21.96M28.73M23.68M15.38M15.53M24.09M20.79M55.57M78.82M9.04M88.08M111.39M-13.06M-10.44M47.51M11.00K40.21M76.14M59.14M89.13M49.90M51.02M27.65M14.82M-112.71M80.59M15.03M-29.70M61.96M118.19M
Net Income Margin6.90%12.84%12.84%7.77%12.03%8.10%0.80%8.54%9.62%10.89%7.31%9.23%7.00%4.36%3.69%5.09%4.07%9.69%12.96%1.46%13.86%17.45%-2.17%-1.82%8.04%0.00%4.96%8.75%6.29%9.94%5.06%4.83%2.56%1.23%-10.45%7.63%1.52%-2.70%4.95%8.52%
R&D-------------------------0000000--------
R&D as % of Total Revenue-------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%--------
Interest Expense0005.20M6.20M8.30M12.30M15.00M17.10M20.50M20.70M22.50M26.60M32.30M42.41M48.21M51.73M56.46M56.39M54.73M49.16M43.09M40.18M41.65M42.99M42.83M00000000133.00K3.19M3.19M3.26M7.28M11.27M
Interest Expense % of Total Revenue0.00%0.00%0.00%3.61%3.69%4.48%5.82%6.88%7.31%7.75%6.89%7.23%7.86%9.14%10.08%10.19%10.13%9.85%9.27%8.83%7.73%6.75%6.68%7.28%7.28%6.07%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.30%0.32%0.30%0.58%0.81%

Balance Sheet

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets230.70M271.60M313.00M367.80M423.70M510.60M627.20M733.00M828.10M943.11M1.02B1.16B1.25B1.47B1.67B725.35M2.16B2.41B2.57B2.72B2.78B2.76B2.12B2.41B3.01B3.62B3.69B3.72B3.86B3.89B4.05B4.18B2.82B3.01B3.07B3.01B2.88B3.14B3.49B3.84B
Total Liabilities167.60M195.30M221.60M263.80M306.30M373.60M487.80M578.40M657.40M734.35M796.98M880.71M994.31M1.23B1.41B1.57B1.80B1.97B2.05B2.22B2.10B2.01B2.12B2.31B2.29B2.92B2.97B2.94B3.04B3.01B3.11B3.21B1.93B2.10B74.93M76.75M2.14B2.41B2.71B2.90B
Total Equity63.10M76.30M91.40M104.00M117.40M137.00M139.40M154.60M170.70M208.75M227.86M277.21M256.28M237.79M257.43M-847.50M355.55M373.93M452.21M500.21M680.81M751.50M6.90M95.45M716.42M696.14M729.18M782.83M817.41M878.90M941.88M973.37M888.38M910.47M2.99B2.94B740.11M733.75M781.53M941.17M
Cash---------7.00M14.39M2.38M-9.75M-150.00K136.89M265.06M305.57M162.79M255.04M252.56M109.58M190.85M180.06M144.53M107.47M92.19M90.57M106.45M110.85M95.56M64.45M120.72M87.95M132.10M96.65M102.05M200.95M156.33M
Total Debt600.00K------------------------60.63M-------15.85M56.89M58.30M50.00M50.00M117.06M146.20M
Net Debt600.00K---------7.00M-14.39M-2.38M--9.75M--150.00K-136.89M-265.06M-305.57M-162.79M-255.04M-252.56M-109.58M-190.85M-180.06M-99.53M-107.47M-92.19M-90.57M-106.45M-110.85M-95.56M-64.45M-120.72M-37.95M-82.10M-46.65M-52.05M-83.89M-10.13M

Cash Flow

Currency: USD1989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow41.80M42.20M74.60M102.80M33.20M45.90M49.33M43.92M43.21M18.06M34.45M42.54M24.61M58.67M111.81M142.69M53.69M104.46M105.78M43.90M100.41M71.22M74.43M172.08M161.49M151.29M190.00M214.38M170.09M110.10M93.75M41.44M29.92M-1.25M171.74M340.30M269.74M
Investing Cash Flow-36.70M-37.90M-70.40M-99.30M-66.10M-84.00M-88.66M-55.71M-93.32M-78.60M-137.35M-121.48M-150.65M-183.65M-39.05M-111.19M-183.74M-30.12M-16.33M-107.25M-130.09M-94.71M-175.19M-111.34M-101.99M-58.88M-36.29M-112.40M-61.98M-19.20M4.50M-92.87M31.73M-19.17M-149.89M-292.49M-325.96M
Financing Cash Flow-4.40M-5.30M-4.20M-4.80M45.80M34.60M36.07M19.18M38.10M58.16M112.64M107.07M115.91M215.61M55.41M9.01M-12.73M17.92M-91.93M-79.63M110.95M12.70M65.23M-97.80M-74.78M-94.03M-137.84M-97.58M-107.55M-115.19M-41.98M18.66M-17.49M-15.03M-16.45M51.09M11.60M
Capital Expenditure2.90M1.90M900.00K4.10M2.00M2.40M3.37M1.96M4.62M2.12M1.43M3.48M1.71M4.03M5.92M1.64M1.91M4.97M1.65M9.57M10.57M2.09M14.05M2.89M8.45M8.15M9.70M7.60M17.16M33.05M32.43M18.86M13.98M2.14M10.89M11.87M6.45M
Free Cash Flow38.90M40.30M73.70M98.70M31.20M43.50M45.97M41.96M38.59M15.94M33.02M39.06M22.90M54.64M105.89M141.05M51.78M99.48M104.13M34.33M89.83M69.13M60.38M169.19M153.04M143.14M180.30M206.78M152.94M77.05M61.33M22.57M15.94M-3.39M160.85M328.43M263.30M
Dividends Paid3.70M3.90M4.20M4.80M4.80M5.20M5.78M6.47M6.65M6.96M6.86M7.13M7.22M9.98M10.04M14.86M12.01M13.20M15.29M16.16M15.95M15.77M15.51M15.27M17.48M19.68M21.66M24.59M27.34M105.41M32.66M28.53M15.06M15.86M16.16M16.21M16.31M
FCF to OCF93.06%95.50%98.79%96.01%93.98%94.77%93.17%95.54%89.31%88.26%95.85%91.81%93.06%93.14%94.71%98.85%96.44%95.24%98.44%78.20%89.47%97.06%81.13%98.32%94.77%94.61%94.90%96.45%89.91%69.98%65.41%54.48%53.28%270.82%93.66%96.51%97.61%
Dividend Paid to FCF9.51%9.68%5.70%4.86%15.38%11.95%12.57%15.42%17.23%43.69%20.77%18.27%31.55%18.26%9.49%10.53%23.20%13.26%14.69%47.07%17.76%22.82%25.68%9.02%11.42%13.75%12.01%11.89%17.87%136.80%53.26%126.37%94.50%-468.12%10.05%4.94%6.19%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Dec 31, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Dec 31, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Aug 7, 2002Nov 5, 2002Feb 18, 2003May 12, 2003Sep 29, 2003Nov 6, 2003Feb 13, 2004May 3, 2004Jul 27, 2004Oct 21, 2004Feb 14, 2005May 6, 2005Jul 25, 2005Oct 25, 2005Feb 13, 2006Apr 24, 2006Jul 24, 2006Oct 23, 2006Feb 12, 2007Apr 23, 2007Jul 23, 2007Oct 22, 2007Feb 11, 2008Apr 21, 2008Aug 4, 2008Oct 20, 2008Feb 17, 2009Apr 27, 2009Jul 31, 2009Nov 9, 2009Feb 16, 2010Apr 26, 2010Jul 26, 2010Oct 25, 2010Feb 14, 2011May 2, 2011Jul 26, 2011Nov 7, 2011Feb 21, 2012May 7, 2012Aug 6, 2012Nov 5, 2012Feb 19, 2013May 7, 2013Aug 6, 2013Nov 5, 2013Feb 18, 2014May 6, 2014Aug 5, 2014Nov 4, 2014Feb 17, 2015May 5, 2015Aug 4, 2015Nov 5, 2015Feb 18, 2016May 4, 2016Aug 3, 2016Nov 2, 2016Feb 16, 2017May 3, 2017Aug 2, 2017Nov 8, 2017Feb 14, 2018May 9, 2018Aug 8, 2018Nov 7, 2018Feb 20, 2019May 8, 2019Aug 7, 2019Nov 6, 2019Feb 18, 2020May 6, 2020Aug 5, 2020Nov 4, 2020Feb 17, 2021May 5, 2021Aug 4, 2021Nov 4, 2021Feb 15, 2022May 5, 2022Aug 4, 2022Nov 2, 2022Feb 15, 2023May 8, 2023Aug 7, 2023Nov 1, 2023Feb 13, 2024May 7, 2024Aug 6, 2024Nov 5, 2024Feb 11, 2025May 6, 2025Aug 5, 2025Nov 4, 2025Feb 10, 2026May 5, 2026Aug 3, 2026Nov 3, 2026
EPS Estimate-----------------0.330.330.360.610.670.250.470.540.750.750.900.901.00-0.30-1.170.970.780.650.840.800.730.770.790.880.28-0.350.480.430.500.480.270.210.430.290.190.19-0.60-0.220.120.370.270.36-0.120.660.220.540.510.650.320.011.350.910.220.200.530.880.070.440.890.750.22-0.720.470.940.230.310.020.700.01-0.03-1.150.08-0.27-1.55-1.300.09-0.05-0.310.510.940.49-0.480.360.53-2.27-0.160.530.55-0.040.210.660.610.560.720.910.790.701.19
EPS Actual0.410.59-0.100.210.150.030.320.270.170.050.350.200.53-0.010.070.730.550.440.180.180.310.670.180.730.850.850.920.841.381.080.34-2.490.570.890.811.021.201.130.690.840.770.08-0.53-0.410.210.03-0.380.030.670.530.110.290.16-0.71-0.230.620.680.560.31-0.120.840.500.421.000.470.35-0.011.340.920.570.751.210.880.080.410.460.770.05-0.730.921.00-0.030.43-0.300.91-0.59-0.40-1.040.05-0.26-1.37-1.30-0.030.35-0.311.691.130.24-0.470.180.08-2.270.310.650.56-0.070.811.250.700.901.501.501.151.30-
Surprise-----------------33.33%-45.45%-50.00%-49.18%0.00%-28.00%55.32%57.41%13.33%22.67%-6.67%53.33%8.00%213.33%-112.82%-41.24%14.10%24.62%21.43%50.00%54.79%-10.39%6.33%-12.50%-71.43%-51.43%-185.42%-51.16%-94.00%-179.17%-88.89%219.05%23.26%-62.07%52.63%-15.79%-18.33%-4.55%416.67%83.78%107.41%-13.89%0.00%27.27%127.27%-22.22%96.08%-27.69%9.38%-200.00%-0.74%1.10%159.09%275.00%128.30%0.00%14.29%-6.82%-48.31%2.67%-77.27%-1.39%95.74%6.38%-113.04%39.35%-1600.00%30.00%-6000.00%-1233.33%9.57%-37.50%3.70%11.61%0.00%-133.33%800.00%0.00%231.37%20.21%-51.02%2.08%-50.00%-84.91%0.00%293.75%22.64%1.82%-75.00%285.71%89.39%14.75%60.71%108.33%64.84%45.57%85.71%-
Timing--------------------After-hoursAfter-hoursAfter-hours----------After-hours--Pre-marketPre-marketPre-marketAfter-hours-Pre-marketPre-marketAfter-hours-After-hoursPre-marketPre-market---Pre-market--Pre-market-Pre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.37B
Enterprise Value1.39B
Trailing P/E9.90
Forward P/E14.10
PEG Ratio1.41
Price / Sales0.93
Price / Book1.41
EPS5.39
Book Value38.02
Revenue (TTM)1.47B
Gross Profit (TTM)189.50M
EBITDA200.88M
Profit Margin9.57%
Operating Margin11.76%
Return on Equity15.47%
Return on Assets3.09%
Shares Outstanding25.71M
Shares Float22.20M
Beta0.51
Dividend Yield1.50%
Dividend Rate0.80
Payout Ratio13.94%

Analyst Ratings

Buy
Based on 2 analystsTarget 58.50
  • Strong Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
70.58%
Insiders
17.24%
Retail / Other
12.18%

Top Institutional Holders

  • BlackRock Inc
    3.45M13.41%
  • Dimensional Fund Advisors, Inc.
    1.51M5.86%
  • Vanguard Capital Management, LLC
    966.30K3.76%
  • State Street Corp
    817.50K3.18%
  • American Century Companies Inc
    721.25K2.81%
  • Geode Capital Management, LLC
    662.30K2.58%
  • Systematic Financial Management LP
    612.40K2.38%
  • Vanguard Portfolio Management, LLC
    532.70K2.07%
  • Bank of America Corp
    497.42K1.94%
  • AQR Capital Management LLC
    422.05K1.64%
  • Amvescap Plc.
    403.60K1.57%
  • Morgan Stanley - Brokerage Accounts
    256.36K1.00%
  • Royce & Associates, LP
    247.01K0.96%
  • Hillsdale Investment Management Inc.
    241.57K0.94%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    1.35M5.24%
  • Vanguard MStar Total Stk Mkt Idx Invest
    690.72K2.69%
  • Avantis US Small Cap Value ETF
    676.87K2.63%
  • iShares Russell 2000 ETF
    573.01K2.23%
  • DFA US Small Cap Value I
    316.01K1.23%
  • Fidelity Small Cap Index
    234.69K0.91%

Dividends

20263×
0.20Sep 4, 20260.20Jun 5, 20260.20Feb 24, 2026
20254×
0.16Dec 5, 20250.16Aug 29, 20250.16Jun 6, 20250.16Mar 7, 2025
20244×
0.16Nov 29, 20240.16Aug 30, 20240.16May 31, 20240.16Mar 7, 2024
20234×
0.16Nov 30, 20230.16Aug 31, 20230.16Jun 1, 20230.16Mar 9, 2023
20224×
0.16Dec 1, 20220.16Sep 1, 20220.16Jun 2, 20220.15Mar 3, 2022
20214×
0.15Dec 2, 20210.15Sep 2, 20210.15Jun 3, 20210.15Mar 4, 2021
20201×
0.15Dec 3, 2020

Stock Splits

  • Dec 16, 20042:1
  • Jan 8, 19963:2
  • Jan 6, 19953:2
  • Jun 16, 19923:2