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UFCSUnited Fire Group, Inc.
$53.94$1.4B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
UFCS logo

United Fire Group, Inc.

UFCS
NASDAQ · Property & Casualty Insurance
$53.94
At close - Oct 1, 4:00 PM EDT - USD
Market Cap$1.38B
P/E12.0x
52W High$56.74
Volume100.23K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Record Premiums and Margins Mask Peril Risk

United Fire Group is executing well in a hard market, with net written premium up 14.0% YoY in Q2 2026 and a combined ratio of 89.7% in Q1 2026, reflecting disciplined underwriting and favorable reserve development. The company's fortress balance sheet (D/E of...

GrowthAccelerating
ProfitabilityStable
ValuationAttractive
TechnicalsStrong
Explore valuation models
MARKET ACTION

UFCS price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

11/12 Beats

EPS beat 11 of last 12 quarters

02

Valuation risk

-8% Peers

P/E is 8% below peer median

03

Market leadership

RS 84 · Leader

High momentum (Outperforming 84% of market)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Nov 3

Market performance

Price History →

Trailing total returns as of 10/2/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
UFCS+53.29%
S&P 500 (^GSPC)+11.83%
1-Year Return
UFCS+82.15%
S&P 500 (^GSPC)+14.29%
3-Year Return
UFCS+189.30%
S&P 500 (^GSPC)+83.94%
5-Year Return
UFCS+144.61%
S&P 500 (^GSPC)+78.00%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
12.2x
Forward P/EExpansion
11.2x
EV/EBITDA75th %ile
8.8x
FCF YieldCash Flow
18.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
12.2x
11.9x
75th· Fair
EV/EBITDA
8.8x
7.4x
75th· Fair
Price/FCF
5.3x
3.6x
75th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$18.50-65.7%
Base (Fair)$42.48-20.3%
Bull$76.17+41.2%
$18.50 Bear$42.48 Base$76.17 Bull
Current Market Price: $53.94
Trades at a 27.0% premium to Base DCF ($42.48)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$1.39B+10.7% YoY
Net income
$118M+90.8% YoY
Free cash flow
$263M-19.8% YoY
Operating margin
10.7%+4.5 pts YoY
ROIC (TTM)13.6%
Avg ROIC 5Y-
ROE (TTM)13.7%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate11/12 (92%)
Revenue Beat Rate9/12 (75%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 3, 2026
$1.30+87.6%
vs $0.69
$354M+1.8%
vs $348M
Q2 2026
May 5, 2026
$1.16+33.3%
vs $0.87
$343M+0.8%
vs $340M
Q1 2026
Feb 10, 2026
$1.50+66.7%
vs $0.90
$341M+11.5%
vs $306M
Q4 2025
Nov 4, 2025
$1.50+117.4%
vs $0.69
$354M+6.5%
vs $332M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·Sep 24, 2026
Global Commercial Pricing Soft: 4 P&C Insurers to Protect Portfolio

Global commercial insurance rates are falling, but TRV, UVE, UFCS and AII offer portfolio resilience through disciplined underwriting and diversification.

Defense World·Sep 18, 2026
WINTON GROUP Ltd Sells 18,061 Shares of United Fire Group, Inc $UFCS

WINTON GROUP Ltd lowered its stake in United Fire Group, Inc (NASDAQ: UFCS) by 74.8% in the second quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 6,070 shares of the insurance provider's stock after selling 18,061 shares during the period. WINTON GROUP Ltd's holdings

Zacks Investment Research·Sep 14, 2026
Are Investors Undervaluing United Fire Group (UFCS) Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Zacks Investment Research·Sep 14, 2026
United Fire Group, Inc (UFCS) Hit a 52 Week High, Can the Run Continue?

United Fire (UFCS) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

Filtered for United Fire Group, Inc.More Headlines
04

Compare before deciding

Benchmark UFCS against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for United Fire Group, Inc. (UFCS)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
UFCS logoUFCSUnited Fire Group, Inc.Current
$53.94$1.38B12.0410.75%8.53%13.72%1.15%
KMPR logoKMPRKemper Corporation
$25.94$1.53B11.333.62%-10.83%-19.42%—
ERIE logoERIEErie Indemnity Company
$222.11$10.26B20.917.17%14%24.52%—
NODK logoNODKNI Holdings, Inc.
$14.99$307.02M-29.98-12.35%2.93%3.18%—
PLMR logoPLMRPalomar Holdings, Inc.
$125.93$3.34B17.5658.16%18.61%21.61%—
HIG logoHIGThe Hartford Insurance Group, Inc.
$125.74$34.47B9.447.1%15.03%22.99%—

Compare UFCS vs Peers

United Fire Group, Inc. (UFCS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs KMPR

Most directly comparable listed peer for UFCS.

Scale Benchmark

vs MMC

Larger-name benchmark to compare UFCS against a more recognizable public peer.

Peer Set

Compare Top 5

vs KMPR, ERIE, NODK, PLMR

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

UFCS SEC Filings & Documents

United Fire Group, Inc. (UFCS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 21, 2026·SEC

Material company update

Aug 3, 2026·SEC

Material company update

Jul 17, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 26, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 4, 2026·SEC

FY 2026

May 6, 2026·SEC

FY 2025

Nov 5, 2025·SEC

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UFCS Frequently Asked Questions

United Fire Group, Inc. (UFCS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is United Fire Group, Inc. growing?

United Fire Group, Inc. (UFCS) grew revenue by 10.7% over the past year. This is steady growth.

Is UFCS profitable?

Yes, United Fire Group, Inc. (UFCS) is profitable, generating $141.0M in net income for fiscal year 2025 (8.5% net margin).

Dividend & Returns
Does UFCS pay dividends?

Yes, United Fire Group, Inc. (UFCS) pays a dividend with a yield of 1.15%. This makes it attractive for income-focused investors.

What is UFCS's return on equity?

United Fire Group, Inc. (UFCS) has a return on equity (ROE) of 13.7%. This is reasonable for most industries.

Industry Metrics
What is United Fire Group, Inc.'s combined ratio?

United Fire Group, Inc. (UFCS) has a combined ratio of 89.3%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in UFCS back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →