NASDAQ · UFCS
United Fire Group, Inc.
Financial Services · Insurance - Property & Casualty
$54.76▲ 2.03% ($1.09)at close
As of 4:00 PM ET
Market cap
$1.40B
P/E
10.06
Volume
140.17K
Shares outstanding
25.66M
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock rose 76.3% over the last year. Revenue grew 11.39% over the trailing twelve months. Operating margin moved from 8.74% to 12.01%. Free cash flow declined 7.95% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 40th percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 12.01%. Revenue grew 11.39% — this thesis depends on that trajectory holding. Despite the price move, free cash flow fell 7.95%, which is worth watching as a leading indicator of future pressure. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
Performance
Return analysis
Company profile
Headquartered in Cedar Rapids, Iowa, United Fire Group, Inc. (UFCS) operates throughout the United States, specializing in property and casualty insurance solutions for both personal and commercial clients.
Market multiples
Stock splits
Every 1 shares became 2
Every 2 shares became 3
Every 2 shares became 3
Every 2 shares became 3
Every 2 shares became 3
Every 4 shares became 5
Every 2 shares became 3
Every 2 shares became 3
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
4
Buy
2
Hold
0
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Nov 3, 2026
Q4 FY26 · EPS est $1.19 · Revenue est $384.18M
View
Dividends
$0.76/shareQuarterly5yr growth streakSafeUFCS pays a dividend with a 1.39% dividend yield, 5 consecutive years of growth, growing at 4.84% annually, covered 16.1× by free cash flow.
Dividend Yield
1.39%
Annual Div / Share
$0.76
5yr CAGR
+4.84%
Doubles every ~14.7yr
Payout Ratio
13.07%
Safe
Dividend Growth Rate
3yr CAGR
+5.9%
5yr CAGR
+4.84%
10yr CAGR
-2.41%
Dividend History
Annualized dividend cycles per share
Income Projection
Today
$1/mo
In 5 yrs
$1/mo
In 10 yrs
$2/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$14/yr $1/mo | $18/yr+27% $1/mo | $22/yr+60% $2/mo |
Yield-on-cost grows from 1.39% → 2.23% over 10yr
Analysis
Dividend Strengths
Well-covered by free cash flow
The dividend is covered 16.1× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Risks to Watch
No strong risk signal stands out from the latest period pair.