UNITED FIRE GROUP INC UFCS

Latest FY: 2025 Financial Services Insurance - Property & Casualty
Market Price $55.38
Market Cap $1.42B
P/E Ratio 12.36
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑10.6% YoY
$1.39B
3-Yr CAGR: 12.2%
Net Income ↑90.8% YoY
$118.19M
Net Margin: 8.5%
Free Cash Flow ↓-19.8% YoY
$263.30M
FCF Yield: 18.53%
EPS (Diluted) ↑87.4% YoY
$4.48
Basic: $4.64
Return on Equity Efficiency
12.6%
ROA: 3.1%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (UFCS)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $1,136.9M $484.5M $49.9M $1.93 $0.97 1.97% $214.4M $214.4M
FY 2017 $1,052.7M -7.4% $327.0M $51.0M +2.2% $1.99 +3.1% $1.09 2.39% $170.1M $170.1M -20.7%
FY 2018 $1,070.2M +1.7% $338.6M $27.6M -45.8% $1.08 -45.7% $4.21 7.59% $110.1M $110.1M -35.3%
FY 2019 $1,201.2M +12.2% $371.0M $14.8M -46.4% $0.58 -46.3% $1.30 2.97% $93.8M $93.8M -14.9%
FY 2020 $1,068.6M -11.0% $199.2M $-112.7M -860.5% $-4.50 -875.9% $1.14 4.54% $41.4M $41.4M -55.8%
FY 2021 $1,066.2M -0.2% $410.8M $80.6M +171.5% $0.60 2.59% $29.9M $29.9M -27.8%
FY 2022 $980.3M -8.1% $339.8M $15.0M -81.3% $0.63 2.30% $-1.3M $-3.4M -111.3%
FY 2023 $1,095.5M +11.7% $322.8M $-29.7M -297.6% $0.64 3.18% $171.7M $160.8M +4,847.6%
FY 2024 $1,253.3M +14.4% $501.4M $62.0M +308.6% $2.39 $0.64 2.25% $340.3M $328.4M +104.2%
FY 2025 $1,386.4M +10.6% $610.7M $118.2M +90.8% $4.48 +87.4% $0.64 1.76% $269.7M $263.3M -19.8%
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Valuation

Market Price $55.38
Market Cap $1.42B
Enterprise Value $1.26B
P/E Ratio 12.36
P/B Ratio 1.51
FCF Yield 18.53%
Dividend Yield 1.16%
Shares Outstanding 25,656,200
%

Profitability & Margins

Gross Margin 44.05%
Operating Margin 10.67%
Net Margin 8.52%
Return on Equity (ROE) 12.56%
Return on Assets (ROA) 3.08%
Asset Turnover 0.36x
Revenue 3-Yr CAGR 12.25%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $156.33M
Total Debt N/A
Book Value / Share $36.68
💧

Cash Flow Efficiency

Operating Cash Flow $269.74M
Capital Expenditures (CapEx) $6.45M
Free Cash Flow $263.30M
OCF / Revenue 19.46%
FCF / Revenue 18.99%
FCF 3-Yr CAGR N/A
🏷️

Per Share Metrics

EPS (Diluted) $4.48
EPS (Basic) $4.64
Dividends / Share $0.64
Book Value / Share $36.68
EPS YoY Growth 87.45%
🏛️

Balance Sheet (FY 2025)

Total Assets $3.84B
Total Liabilities $2.90B
Stockholders' Equity $941.17M
Current Assets N/A
Current Liabilities N/A