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NASDAQ: UFCS
United Fire Group, Inc.
Financial Services · Insurance - Property & Casualty
Market Cap
$929.00M
52w High
$40.63
52w Low
$25.01
P/E
8.15
Volume
242.71K
Outstanding Shares
25.52M
Price vs Fundamentals
Why The Stock Is Moving
Fundamentals are supporting the moveModerate confidence
1Y Price: 25.34%Revenue (TTM): 10.84%FCF (TTM): -19.83%P/FCF: 29th pct
What changed
The stock rose 25.34% over the last year. Revenue grew 10.84% over the trailing twelve months. Operating margin moved from 6.15% to 10.66%. Free cash flow declined 19.83% 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 29th percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 10.66%. Revenue grew 10.84% — this thesis depends on that trajectory holding. Despite the price move, free cash flow fell 19.83%, 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.
Company profile
United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States.
CEOKevin James Leidwinger
SectorFinancial Services
IndustryInsurance - Property & Casualty
Employees877
IPO dateMar 18, 1980
Valuation
Forward P/E—
EV/EBITDA6.09
Enterprise value$969.62M
Price / Book0.99
Stock splits
Dec 16, 20042:1
Jan 8, 19963:2
Jan 6, 19953:2
Jun 16, 19923:2
Mar 18, 19863:2
Jan 6, 19825:4
May 25, 19793:2
Nov 28, 19773:2
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.
Revenue growth10.27%
Gross margin28.1%▲148.61%vs FY2024
Operating margin10.66%▲73.40%vs FY2024
ROE12.56%▲58.41%vs FY2024
Analyst consensus
RatingBuy
Target price$41.00▲12.64%
3
Buy
3
Hold
0
Sell
⚠ Analyst ratings tend to be lagging indicators — upgrades often follow price gains rather than precede them. Use as one signal among many.
Earnings
Last 3 reported quarters plus the next estimate. Switch into compare mode to inspect one metric year-over-year.
Next report
May 5, 2026
View
EPS
Actual vs estimate by quarter
Q3FY25
ActualEst.
$0.90
$0.57
Q4FY25
ActualEst.
$1.50
$0.69
Q1FY26
ActualEst.
$1.50
$1.07
Q2FY26
Next Est.
—
Revenue
Actual vs estimate by quarter
Q3FY25
ActualEst.
$336.58M
$345.2M
Q4FY25
ActualEst.
$354.02M
$332.34M
Q1FY26
ActualEst.
$365.81M
$332.34M
Q2FY26
Next Est.
—