Last 48 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
United Fire Group, Inc.'s quarterly P/E stands at 8.1x, down 26.7% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 27.0% YoY to 5.3x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.76 | 8.06 | 6.27 | 5.10 | 8.25 | 10.99 | 5.88 | 6.88 | — | 10.47 | 6.53 | 19.75 | — |
| — | -26.7% | +6.6% | -25.9% | — | +5.0% | -10.0% | -65.1% | — | -95.7% | -24.6% | — | — | |
| P/S Ratio | 0.89 | 0.65 | 0.66 | 0.57 | 0.56 | 0.58 | 0.56 | 0.42 | 0.45 | 0.48 | 0.44 | 0.46 | 0.54 |
| — | +12.1% | +17.9% | +35.0% | +24.6% | +22.9% | +26.2% | -8.9% | -15.7% | -25.0% | -27.0% | -40.0% | -45.4% | |
| P/B Ratio | 1.35 | 1.02 | 1.02 | 0.89 | 0.90 | 0.95 | 0.95 | 0.69 | 0.75 | 0.76 | 0.70 | 0.78 | 0.85 |
| — | +7.6% | +8.0% | +29.4% | +19.6% | +23.8% | +35.5% | -11.9% | -11.5% | -15.2% | -25.8% | -24.1% | -23.3% | |
| P/FCF | 4.69 | 4.30 | 2.02 | 3.39 | 3.67 | 5.82 | 1.20 | 2.54 | 1.54 | 4.19 | 6.61 | 1.16 | 3.43 |
| — | -26.2% | +67.4% | +33.2% | +137.5% | +39.0% | -81.8% | +119.7% | -55.0% | — | +10.3% | — | — | |
| EV / EBITDA | 7.69 | 5.30 | 4.63 | 3.47 | 5.30 | 7.25 | 3.89 | 4.21 | — | 5.20 | 4.29 | 11.01 | — |
| — | -27.0% | +19.0% | -17.5% | — | +39.3% | -9.4% | -61.8% | — | -91.8% | -41.3% | — | — | |
| EV / EBIT | 8.28 | 5.30 | 4.63 | 3.45 | 5.31 | 7.26 | 3.90 | 4.21 | — | 5.76 | 4.60 | 13.25 | — |
| — | -27.0% | +18.7% | -17.9% | — | +26.1% | -15.3% | -68.2% | — | -97.3% | -33.6% | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
United Fire Group, Inc.'s operating margin was 10.3% in Q1 2026, down 2.9 pp QoQ and up 3.7 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 11.5% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 44.9% | — | 47.3% | 23.8% | 20.3% | 19.3% | 23.6% | 19.9% | 10.8% | 17.1% | 19.2% | 14.0% | -16.0% |
| — | — | +100.1% | +19.5% | +88.7% | +13.1% | +23.4% | +42.1% | +167.3% | +39.9% | -5.0% | +60132.2% | -327.1% | |
| Operating Margin | 10.7% | 10.3% | 13.2% | 13.7% | 8.7% | 6.6% | 11.9% | 7.7% | -1.3% | 5.5% | 8.3% | 3.1% | -27.0% |
| — | +55.9% | +10.5% | +77.8% | +793.1% | +20.0% | +43.3% | +152.9% | +95.4% | +1375475.0% | +5.8% | +123.1% | -322.2% | |
| Net Margin | 8.5% | 8.1% | 10.5% | 11.1% | 6.8% | 5.3% | 9.5% | 6.1% | -0.9% | 4.6% | 6.8% | 2.3% | -21.1% |
| — | +52.2% | +10.6% | +81.0% | +850.8% | +17.2% | +40.3% | +162.6% | +95.7% | +1655.8% | -3.2% | +123.9% | -343.2% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.7% | 3.2% | 4.2% | 4.5% | 2.8% | 2.2% | 4.0% | 2.6% | -0.4% | 1.8% | 2.8% | 1.0% | -7.9% |
| — | +43.5% | +3.9% | +72.1% | +838.1% | +20.5% | +41.0% | +170.4% | +95.3% | +1874.6% | +1.9% | +131.1% | -510.3% | |
| ROA | 3.2% | 0.8% | 1.0% | 1.1% | 0.6% | 0.5% | 0.9% | 0.6% | -0.1% | 0.4% | 0.6% | 0.2% | -1.9% |
| — | +53.7% | +13.0% | +86.1% | +876.6% | +19.4% | +41.2% | +170.2% | +95.7% | +1661.3% | -10.3% | +126.1% | -430.0% | |
| ROIC | 13.6% | 3.3% | 4.2% | 4.6% | 2.9% | 2.3% | 4.2% | 2.7% | -0.4% | 2.0% | 2.8% | 1.0% | -7.8% |
| — | +46.5% | -1.8% | +73.1% | +745.2% | +15.9% | +52.7% | +171.9% | +94.2% | +1953100.0% | +13.4% | +130.3% | -457.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | — | 0.16 | 0.16 | 0.14 | 0.14 | 0.15 | 0.15 | 0.16 | 0.07 | 0.07 | 0.08 | 0.07 |
| — | — | +3.7% | +9.2% | -13.9% | +111.0% | +119.8% | +92.1% | +117.8% | +2.0% | +0.9% | +8.7% | +15.5% | |
| Debt / EBITDA | 0.92 | — | 2.85 | 2.84 | 3.70 | 4.81 | 2.78 | 4.26 | — | 2.64 | 1.87 | 4.53 | — |
| — | — | +2.4% | -33.4% | — | +82.3% | +48.9% | -5.9% | — | -86.0% | -17.0% | — | — | |
| Current Ratio | 0.80 | — | 0.80 | 0.79 | — | — | 1.17 | — | — | — | 3.97 | 0.34 | — |
| — | — | -31.7% | — | — | — | -70.6% | — | — | — | +1153.0% | +14.5% | — | |
| Quick Ratio | 0.80 | — | 0.80 | 0.79 | — | — | 1.17 | — | — | — | 3.97 | 0.34 | — |
| — | — | -31.7% | — | — | — | -70.6% | — | — | — | +1153.0% | +14.5% | — | |
| Interest Coverage | 14.13 | 11.94 | 16.15 | 16.61 | 12.76 | 9.80 | 16.94 | 11.07 | -1.58 | 19.96 | 28.77 | 11.51 | -89.62 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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United Fire Group, Inc.'s current P/E is 10.8x. The average P/E over the last 4 quarters is 6.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
United Fire Group, Inc.'s current operating margin is 10.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking United Fire Group, Inc.'s business trajectory between earnings reports.