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United Fire Group(NASDAQ) UFCS

Market Cap$1.32BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1986)+3,678%
5 Year+143%
1 Year+95%
1 Month-2%
$51.48
+0.29%
+0.15Today
United Fire Group last closing stock price
MetricPriceDate
Last closeUSD 51.452026-07-27
United Fire Group stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.16%USD 51.372026-07-20
1 month-2.09%USD 52.552026-06-26
3 month+24.42%USD 41.352026-04-28
Year to date+42.94%USD 35.992025-12-31
1 year+95.1%USD 26.372025-07-25
3 year+131.39%USD 22.242023-07-28
5 year+142.84%USD 21.192021-07-28
Since inception+3,678.02%USD 1.361986-07-15

United Fire Group Financials at a Glance

Market Cap

$1.32BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.43B

Net Income (TTM)

$130.54M

EPS (TTM)

$5.01

P/E Ratio

10.27

Dividend

$0.72

Beta (Volatility)

0.54 (Low)

Price

$51.48

Volume

111,334.368

Open

$51.34

Previous Close

$51.45

Daily Range

$51.12 - $52.50

52-Week Range

$25.79 - $54.42

Estimated Earnings Date

Aug 3, 2026

UFCS News

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United Fire Declares Fresh Dividend

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9 Insurance Stocks Insiders Are Buying

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Page 1

UFCS: Motley Fool Moneyball Superscore

67

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About United Fire Group

United Fire Group helps businesses stay safe from financial loss. The company sells insurance that covers property damage, car accidents, and injuries at work. It works with local independent agents to reach customers across all 50 states.

Coverage for Your Business

  • Commercial Lines: Package policies for small and middle-market businesses covering fire, liability, and automobile risks; serves industries like construction, retail, and manufacturing.
  • Workers' Compensation: Coverage for businesses to pay for employee injuries or illnesses resulting from their jobs.
  • Surety Bonds: Performance and payment guarantees for contractors and businesses; offered through a network of roughly 160 specialized agencies.
  • Specialty and Surplus: Niche insurance products including marine, professional liability, and earthquake coverage managed through partner organizations.
  • Assumed Reinsurance: Protective coverage sold to other insurance companies to help them share the costs of large claims.

Strategic Moves and Strategy

  • Launched the "One UFG: Boldly Forward" plan to improve long-term profitability through five strategic pillars.
  • Appointed New England Asset Management in February 2024 to manage the company's fixed maturity investment portfolio.
  • Completed the withdrawal from writing direct personal insurance lines in 2025 to focus entirely on commercial and specialty markets.
  • Participates in the Lloyd's of London insurance marketplace to underwrite a range of property and casualty insurance lines.

The UFG Advantage

The company relies on a network of 850 independent agencies to maintain personal relationships with policyholders. It uses an intercompany pooling arrangement that allows its smaller subsidiaries to use the combined capital and financial strength of the entire group.

The Recent Financial Record

  • Revenue reached $365.8 million in Q4 2025, an increase of 10.3% from $331.7 million in Q4 2024.
  • Gross profit grew to $173 million in Q4 2025, rising 120.6% over the previous year.
  • Net income was $38.4 million in Q4 2025, up 22% from $31.4 million in Q4 2024.
  • Operating cash flow was $119.8 million in Q4 2025, down 23.4% from $156.4 million in Q4 2024.

The Big Picture

United Fire Group has transitioned into a dedicated commercial and specialty insurer by exiting the personal insurance market. Its focus on deepening agent relationships and disciplined underwriting aims to drive more stable growth across its national footprint.

AI Generated • May 2, 2026

Industry

Insurance

Sector

Financials

Employees

846

CEO

Kevin James Leidwinger

Website

www.ufginsurance.com

Headquarters

Cedar Rapids, IA 52401, US

UFCS Financials

Key Financial Metrics (TTM)

Gross Margin

34.16%

Operating Margin

11.51%

Net Income Margin

9.16%

Return on Equity

14.36%

Return on Capital

13.60%

Return on Assets

3.34%

Earnings Yield

9.74%

Dividend Yield

1.40%

Payout Ratio

13.30%

Stock Overview

Market Cap

$1.32BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

25.66M

Volume

111.33K

Avg. Volume

153.00K

Financials (TTM)

Gross Profit

$487.09M

Operating Income

$164.09M

EBITDA

$187.26M

Operating Cash Flow

$290.70M

Capital Expenditure

-$4.34M

Free Cash Flow

$286.36M

Cash & ST Invst.

$1.34B

Total Debt

$146.27M

United Fire Group Performance Analysis

United Fire Group annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 980,051,000-8.1%
20232023-12-31USD 1,095,424,00011.8%
20242024-12-31USD 1,253,306,00014.4%
20252025-12-31USD 1,386,412,00010.6%
United Fire Group sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-301.7%
Q32025-09-305.2%
Q42025-12-313.3%
Q12026-03-311.0%
United Fire Group annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.59-81.5%
20232023-12-31USD -1.18N/A
20242024-12-31USD 2.39N/A
20252025-12-31USD 4.4887.6%
United Fire Group sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3029.9%
Q32025-09-3071.3%
Q42025-12-31-2.7%
Q12026-03-31-20.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$369.44M

+11.6%

Gross Profit

$161.32M

+151.8%

Gross Margin

43.67%

N/A

Market Cap

$1.32BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.56M

N/A

Employees

846

N/A

Net Income

$30.05M

+69.8%

EBITDA

$44.12M

+64.4%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$1.34B

+625.6%

Total Debt

$146.27M

+24.9%

Accounts Receivable

$793.28M

+75.3%

Inventory

$0.00

N/A

Long Term Debt

$146.27M

+24.9%

Short Term Debt

$0.00

N/A

Return on Assets

3.34%

N/A

Return on Invested Capital

13.15%

N/A

Free Cash Flow

$56.24M

+69.5%

Operating Cash Flow

$56.63M

+58.7%

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Questions About UFCS

What is the current price of United Fire Group?

United Fire Group is trading at $51.45 per share.

What is the 52-week range for United Fire Group?

Over the past 52 weeks, United Fire Group has traded between $25.79 and $54.42.

How much debt does United Fire Group have?

As of the most recent reporting period, United Fire Group reported total debt of $146.27M.

How much cash does United Fire Group have on hand?

United Fire Group reported $162.03M in cash and cash equivalents in its most recent financial results.

What is United Fire Group’s dividend yield?

United Fire Group currently has a dividend yield of 1.40%.

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