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United Fire Group, Inc. (UFCS) Total Return Calculator with Dividends Reinvested

United Fire Group, Inc.

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The total return for United Fire Group, Inc. (UFCS) stock is +52.76% over the past 12 months. So far it's up 21.44% this year. The 5-year total return is +43.33%, meaning $10,000 invested in UFCS stock 5 years ago would be worth $14,333 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in UFCS 1 year ago, it would be worth $16,090 today — you'd have gained $6,090 with dividends reinvested.

With Dividends Reinvested$16,090+60.90%

Price Only (No DRIP)$15,760+57.60%

Dividend Boost+$3294 payments · +3.29% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in UFCS

1Y$15,276+$5,276 (+52.8%)52.8% CAGR

3Y$16,406+$6,406 (+64.1%)17.9% CAGR

5Y$14,333+$4,333 (+43.3%)7.5% CAGR

10Y$13,520+$3,520 (+35.2%)3.1% CAGR

15Y$31,140+$21,140 (+211.4%)7.9% CAGR

20Y$21,849+$11,849 (+118.5%)4.0% CAGR

30Y$43,483+$33,483 (+334.8%)5.0% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-06	$0.16	$28.39	+0.005636
2025-08-29	$0.16	$30.74	+0.005234
2025-12-05	$0.16	$34.92	+0.004632
2026-02-24	$0.20	$37.72	+0.005384

Loading UFCS total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+21.44%	—	+20.88%	+0.56 pp	$12,144
1Y	+52.76%	52.76%	+50.38%	+2.38 pp	$15,276
3Y	+64.06%	17.94%	+56.91%	+7.15 pp	$16,406
5Y	+43.33%	7.47%	+33.41%	+9.93 pp	$14,333
10Y	+35.20%	3.06%	+6.01%	+29.18 pp	$13,520
15Y	+211.40%	7.87%	+129.14%	+82.26 pp	$31,140
20Y	+118.49%	3.99%	+53.22%	+65.27 pp	$21,849
30Y	+334.83%	5.02%	+186.73%	+148.10 pp	$43,483

Risk & Highlights

Best Year+67.05%2004

Worst Year-40.26%2020

Max Drawdown-9.43%2025-06-23 → 2025-08-01 · Recovered 2025-08-07

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+9.78%	+9.22%	+0.6pp	+0.41%	+9.4pp
2025	+29.88%	+27.63%	+2.2pp	+16.64%	+13.2pp
2024	+42.46%	+39.32%	+3.1pp	+24.00%	+18.5pp
2023	-24.73%	-27.05%	+2.3pp	+24.81%	-49.5pp
2022	+18.05%	+15.39%	+2.7pp	-19.95%	+38.0pp

UFCS outperformed the S&P 500 by 21.44pp over the past year (+52.76% vs +31.32%).

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UFCS Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
UFCSUnited Fire Group, Inc.	$1.1B	+14.4%	+21.4%	+52.8%	+2.4pp	+64.1%	+43.3%	+35.2%
KMPRKemper Corporation	$1.9B	+4.6%	-16.4%	-44.8%	+2.1pp	-21.9%	-50.9%	+40.3%
ERIEErie Indemnity Company	$9.9B	-16.0%	-22.1%	-39.3%	+1.6pp	-1.6%	+13.7%	+172.5%
NODKNI Holdings, Inc.	$266M	+1.9%	-2.8%	+5.1%	—	-2.9%	-31.2%	-12.5%
PLMRPalomar Holdings, Inc.	$2.9B	-9.1%	-16.0%	-29.2%	—	+118.4%	+66.5%	+483.2%
HIGThe Hartford Financial Services Group, Inc.	$36.7B	-2.1%	-2.2%	+7.2%	+1.8pp	+98.0%	+113.2%	+237.7%
TRVThe Travelers Companies, Inc.	$65.2B	+2.0%	+6.1%	+14.2%	+1.6pp	+72.1%	+100.3%	+204.9%
CNACNA Financial Corporation	$11.7B	-6.4%	-2.0%	-2.0%	+8.0pp	+36.5%	+26.8%	+135.3%
WRBW. R. Berkley Corporation	$24.8B	-0.1%	-4.5%	-6.4%	+2.6pp	+79.7%	+100.8%	+358.4%
CINFCincinnati Financial Corporation	$25.0B	+0.2%	-0.1%	+13.2%	+2.4pp	+60.7%	+46.8%	+180.2%
SIGISelective Insurance Group, Inc.	$5.0B	+6.8%	-0.1%	-5.0%	+1.8pp	-15.8%	+16.4%	+162.9%

Compare:UFCS vs KMPR UFCS vs ERIE UFCS vs NODK UFCS vs KMPR vs ERIE

About UFCS Dividend Returns

United Fire Group, Inc. (UFCS) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of UFCS over the past year?

United Fire Group, Inc. (UFCS) delivered a total return of 52.76% over the past year when dividends are reinvested. The price-only return was 50.38%, meaning dividends contributed an additional 2.38 percentage points to total returns.

Q2How much would $10,000 invested in UFCS be worth today?

A $10,000 investment in United Fire Group, Inc. one year ago would be worth $15,276 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $15,038. Dividend reinvestment added $238 to the portfolio value.

Q3Does UFCS pay dividends?

Yes, United Fire Group, Inc. (UFCS) pays dividends. In the last year, UFCS paid approximately $0.62 per share in dividends (1.44% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did UFCS beat the S&P 500?

Yes, United Fire Group, Inc. (UFCS) outperformed the S&P 500 by 21.44 percentage points over the past year. UFCS delivered a total return of 52.76%, compared to the S&P 500's 31.32%. This 21.44pp alpha means investors in UFCS earned more than a passive S&P 500 index fund.

Q5What is UFCS's worst drawdown?

United Fire Group, Inc. (UFCS) experienced a maximum drawdown of -9.43% over the past year, declining from its peak on 2025-06-23 to its trough on 2025-08-01. The stock recovered to its prior peak by 2025-08-07. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is UFCS's long-term total return over 10, 20, or 30 years?

Here are United Fire Group, Inc. (UFCS)'s long-term returns with dividends reinvested. Over 10 years, the total return is 35.2% (3.1% CAGR) — $10,000 would have grown to $13,520. Over 20 years: 118.5% total return (4.0% CAGR) — $10,000 → $21,849. Over 30 years: 334.8% total return (5.0% CAGR) — $10,000 → $43,483. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was UFCS's best and worst year?

United Fire Group, Inc.'s best calendar year was 2004 with a total return of 67.0%. Its worst year was 2020 with a total return of -40.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 107.3 percentage points.