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.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.96 | 10.16 | 8.06 | 6.27 | 5.10 | 8.25 | 10.99 | 5.88 | 6.88 | — | 10.47 | 6.53 | 19.75 | — | 244.03 | 8.66 | — | — | 6.94 | 2.54 | — |
| — | +23.2% | -26.7% | +6.6% | -25.9% | — | +5.0% | -10.0% | -65.1% | — | -95.7% | -24.6% | — | — | +3418.6% | +240.5% | — | — | -41.0% | — | — | |
| P/S Ratio | 0.99 | 0.88 | 0.65 | 0.66 | 0.57 | 0.56 | 0.58 | 0.56 | 0.42 | 0.45 | 0.48 | 0.44 | 0.46 | 0.54 | 0.63 | 0.60 | 0.77 | 0.98 | 0.80 | 0.56 | 0.58 |
| — | +57.3% | +12.1% | +17.9% | +35.0% | +24.6% | +22.9% | +26.2% | -8.9% | -15.7% | -25.0% | -27.0% | -40.0% | -45.4% | -21.1% | +8.4% | +31.7% | +36.0% | +9.3% | +13.8% | +29.4% | |
| P/B Ratio | 1.50 | 1.39 | 1.02 | 1.02 | 0.89 | 0.90 | 0.95 | 0.95 | 0.69 | 0.75 | 0.76 | 0.70 | 0.78 | 0.85 | 0.90 | 0.94 | 1.03 | 1.10 | 0.94 | 0.67 | 0.71 |
| — | +55.1% | +7.6% | +8.0% | +29.4% | +19.6% | +23.8% | +35.5% | -11.9% | -11.5% | -15.2% | -25.8% | -24.1% | -23.3% | -4.4% | +41.2% | +45.1% | +31.3% | -12.2% | -12.4% | +14.8% | |
| P/FCF | 5.22 | 10.06 | 4.30 | 2.02 | 3.39 | 3.67 | 5.82 | 1.20 | 2.54 | 1.54 | 4.19 | 6.61 | 1.16 | 3.43 | — | 5.99 | — | — | — | 16.88 | — |
| — | +174.5% | -26.2% | +67.4% | +33.2% | +137.5% | +39.0% | -81.8% | +119.7% | -55.0% | — | +10.3% | — | — | — | -64.5% | — | — | — | +447.3% | — | |
| EV / EBITDA | 8.60 | 2.71 | 5.81 | 4.65 | 3.47 | 5.30 | 7.25 | 3.89 | 4.21 | — | 5.20 | 4.29 | 11.01 | — | 63.69 | 7.31 | — | — | 5.00 | 1.70 | — |
| — | -48.9% | -19.9% | +19.5% | -17.5% | — | +39.3% | -9.4% | -61.8% | — | -91.8% | -41.3% | — | — | +1174.8% | +329.0% | — | — | -43.6% | — | — | |
| EV / EBIT | 9.23 | 7.56 | 5.77 | 4.63 | 3.45 | 5.31 | 7.26 | 3.90 | 4.21 | — | 5.76 | 4.60 | 13.25 | — | 211.62 | 6.93 | — | — | 5.12 | 1.72 | — |
| — | +42.5% | -20.4% | +18.7% | -17.9% | — | +26.1% | -15.3% | -68.2% | — | -97.3% | -33.6% | — | — | +4034.6% | +302.1% | — | — | -46.1% | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 44.9% | 100.0% | 43.7% | 47.3% | 23.8% | 20.3% | 19.3% | 23.6% | 19.9% | 10.8% | 17.1% | 19.2% | 14.0% | -16.0% | 12.2% | 20.2% | 0.0% | 7.1% | 26.2% | 34.9% | 8.8% |
| — | +391.8% | +125.7% | +100.1% | +19.5% | +88.7% | +13.1% | +23.4% | +42.1% | +167.3% | +39.9% | -5.0% | +60132.2% | -327.1% | -53.3% | -42.2% | -99.7% | -62.7% | +91.8% | +340.1% | +631.0% | |
| Operating Margin | 10.7% | 10.9% | 10.3% | 13.2% | 13.7% | 8.7% | 6.6% | 11.9% | 7.7% | -1.3% | 5.5% | 8.3% | 3.1% | -27.0% | -0.0% | 7.9% | -13.3% | -6.4% | 14.2% | 27.5% | -5.8% |
| — | +26.0% | +55.9% | +10.5% | +77.8% | +793.1% | +20.0% | +43.3% | +152.9% | +95.4% | +1375475.0% | +5.8% | +123.1% | -322.2% | -100.0% | -71.4% | -128.4% | -196.2% | +87.7% | +752.0% | +70.3% | |
| Net Margin | 8.5% | 8.7% | 8.1% | 10.5% | 11.1% | 6.8% | 5.3% | 9.5% | 6.1% | -0.9% | 4.6% | 6.8% | 2.3% | -21.1% | 0.3% | 7.0% | -9.8% | -4.8% | 11.6% | 22.0% | -3.9% |
| — | +27.5% | +52.2% | +10.6% | +81.0% | +850.8% | +17.2% | +40.3% | +162.6% | +95.7% | +1655.8% | -3.2% | +123.9% | -343.2% | -97.8% | -68.2% | -152.7% | -184.7% | +86.1% | +892.0% | +70.8% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.7% | 3.5% | 3.2% | 4.2% | 4.5% | 2.8% | 2.2% | 4.0% | 2.6% | -0.4% | 1.8% | 2.8% | 1.0% | -7.9% | 0.1% | 2.8% | -3.1% | -1.3% | 3.3% | 6.8% | -1.2% |
| — | +25.4% | +43.5% | +3.9% | +72.1% | +838.1% | +20.5% | +41.0% | +170.4% | +95.3% | +1874.6% | +1.9% | +131.1% | -510.3% | -97.2% | -59.0% | -167.4% | -178.2% | +45.8% | +730.9% | +73.8% | |
| ROA | 3.2% | 0.8% | 0.8% | 1.0% | 1.1% | 0.6% | 0.5% | 0.9% | 0.6% | -0.1% | 0.4% | 0.6% | 0.2% | -1.9% | 0.0% | 0.7% | -0.8% | -0.4% | 1.0% | 1.9% | -0.3% |
| — | +31.9% | +53.7% | +13.0% | +86.1% | +876.6% | +19.4% | +41.2% | +170.2% | +95.7% | +1661.3% | -10.3% | +126.1% | -430.0% | -97.5% | -63.2% | -154.9% | -180.1% | +56.5% | +759.7% | +74.2% | |
| ROIC | 13.6% | 3.3% | 3.1% | 4.2% | 4.6% | 2.9% | 2.3% | 4.2% | 2.7% | -0.4% | 2.0% | 2.8% | 1.0% | -7.8% | -0.0% | 2.4% | -3.3% | -1.4% | 3.3% | 7.1% | -1.4% |
| — | +13.1% | +35.1% | -1.8% | +73.1% | +745.2% | +15.9% | +52.7% | +171.9% | +94.2% | +1953100.0% | +13.4% | +130.3% | -457.8% | -100.0% | -65.6% | -126.4% | -189.7% | +54.5% | +627.3% | +75.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | 0.15 | 0.15 | 0.16 | 0.16 | 0.14 | 0.14 | 0.15 | 0.15 | 0.16 | 0.07 | 0.07 | 0.08 | 0.07 | 0.07 | 0.07 | 0.07 | 0.06 | 0.06 | 0.06 | 0.06 |
| — | +8.1% | +7.4% | +3.7% | +9.2% | -13.9% | +111.0% | +119.8% | +92.1% | +117.8% | +2.0% | +0.9% | +8.7% | +15.5% | +11.2% | +18.8% | +16.2% | +7.5% | -1.4% | -6.1% | — | |
| Debt / EBITDA | 0.92 | 1.16 | 3.57 | 2.86 | 2.84 | 3.70 | 4.81 | 2.78 | 4.26 | — | 2.64 | 1.87 | 4.53 | — | 18.90 | 2.25 | — | — | 1.37 | 0.68 | — |
| — | -68.6% | -25.7% | +2.9% | -33.4% | — | +82.3% | +48.9% | -5.9% | — | -86.0% | -17.0% | — | — | +1276.0% | +232.7% | — | — | -33.1% | — | — | |
| Current Ratio | 0.80 | — | 0.81 | 0.80 | 0.79 | 0.78 | — | 1.17 | — | — | — | 3.97 | 0.34 | — | — | 0.32 | 0.30 | 0.32 | — | — | 0.30 |
| — | — | — | -31.7% | — | — | — | -70.6% | — | — | — | +1153.0% | +14.5% | — | — | — | +1.5% | +10.0% | — | — | -89.7% | |
| Quick Ratio | 0.80 | — | 0.81 | 0.80 | 0.79 | 0.78 | — | 1.17 | — | — | — | 3.97 | 0.34 | — | — | 0.32 | 0.30 | 0.32 | — | — | 0.30 |
| — | — | — | -31.7% | — | — | — | -70.6% | — | — | — | +1153.0% | +14.5% | — | — | — | +1.5% | +10.0% | — | — | -89.7% | |
| Interest Coverage | 14.13 | 14.17 | 12.94 | 16.15 | 16.61 | 12.76 | 9.80 | 16.94 | 11.07 | -1.58 | 19.96 | 28.77 | 11.51 | -89.62 | 1.00 | 29.41 | -38.18 | -16.64 | 44.57 | 91.82 | -17.10 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying UFCS stock.
United Fire Group, Inc.'s current P/E is 12.0x. The average P/E over the last 4 quarters is 7.4x. 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 compressing 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.