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UFCS United Fire Group Inc

Price (delayed)

$27.92

Market cap

$710.59M

P/E Ratio

10.7

Dividend/share

$0.64

EPS

$2.61

Enterprise value

$644.02M

Founded in 1946 as United Fire & Casualty Company, United Fire Group, Inc., through its insurance company subsidiaries, is engaged in the business of writing property and casualty insurance. Through ...

Highlights
United Fire Group's gross profit has soared by 53% YoY and by 4.9% from the previous quarter
UFCS's gross margin is up by 33% year-on-year
The debt has soared by 134% YoY

Key stats

What are the main financial stats of UFCS
Market
Shares outstanding
25.45M
Market cap
$710.59M
Enterprise value
$644.02M
Valuations
Price to earnings (P/E)
10.7
Price to book (P/B)
0.87
Price to sales (P/S)
0.55
EV/EBIT
7.04
EV/EBITDA
6.3
EV/Sales
0.5
Earnings
Revenue
$1.29B
Gross profit
$533.77M
Operating income
$91.51M
Net income
$66.16M
EBIT
$91.51M
EBITDA
$102.24M
Free cash flow
$341.56M
Per share
EPS
$2.61
EPS diluted
$2.53
Free cash flow per share
$13.45
Book value per share
$32.21
Revenue per share
$50.74
TBVPS
$138.81
Balance sheet
Total assets
$3.53B
Total liabilities
$2.71B
Debt
$117.11M
Equity
$817.66M
Working capital
N/A
Liquidity
Debt to equity
0.14
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.65
Margins
EBITDA margin
7.9%
Gross margin
41.4%
Net margin
5.1%
Operating margin
7.1%
Efficiency
Return on assets
1.9%
Return on equity
8.5%
Return on invested capital
2.7%
Return on capital employed
N/A
Return on sales
7.1%
Dividend
Dividend yield
2.29%
DPS
$0.64
Payout ratio
24.5%

UFCS stock price

How has the United Fire Group stock price performed over time
Intraday
-0.04%
1 week
-1.38%
1 month
6.44%
1 year
17.81%
YTD
-1.86%
QTD
-5.23%

Financial performance

How have United Fire Group's revenue and profit performed over time
Revenue
$1.29B
Gross profit
$533.77M
Operating income
$91.51M
Net income
$66.16M
Gross margin
41.4%
Net margin
5.1%
United Fire Group's gross profit has soared by 53% YoY and by 4.9% from the previous quarter
UFCS's gross margin is up by 33% year-on-year
The company's revenue rose by 15% YoY and by 2.8% QoQ
The operating income has grown by 9% from the previous quarter

Price vs fundamentals

How does UFCS's price correlate with its fundamentals

Growth

What is United Fire Group's growth rate over time

Valuation

What is United Fire Group stock price valuation
P/E
10.7
P/B
0.87
P/S
0.55
EV/EBIT
7.04
EV/EBITDA
6.3
EV/Sales
0.5
The stock's P/E is 12% below its last 4 quarters average of 12.1
The EPS has grown by 7% from the previous quarter
The company's equity rose by 11% YoY and by 4.6% QoQ
The P/B is 9% above the 5-year quarterly average of 0.8 and 9% above the last 4 quarters average of 0.8
The company's revenue rose by 15% YoY and by 2.8% QoQ
The stock's P/S is 10% above its last 4 quarters average of 0.5 but 8% below its 5-year quarterly average of 0.6

Efficiency

How efficient is United Fire Group business performance
The ROIC has grown by 8% from the previous quarter
UFCS's ROA is up by 6% from the previous quarter
The ROS has grown by 6% from the previous quarter
UFCS's return on equity is up by 3.7% since the previous quarter

Dividends

What is UFCS's dividend history
DPS
$0.64
Dividend yield
2.29%
Payout ratio
24.5%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did United Fire Group financials performed over time
United Fire Group's total assets is 30% higher than its total liabilities
United Fire Group's total assets has increased by 9% YoY
The company's total liabilities rose by 8% YoY
The debt is 86% lower than the equity
The debt has soared by 134% YoY
UFCS's debt to equity has soared by 100% YoY but it is down by 7% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.