UFCS
Chart
Ratings & dials
1m · 5m · 15m · 1h · 4h · 1DAnalyst & Morningstar ratings
Consensus · Targets · MorningstarThird-party ratings, not SURVYR.'s views.
Key stats & company
What they do
United Fire Group, Inc. engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds. The company also offers marine specialty, professional liability, and earthquake coverages; specialty and surplus lines coverage; and reinsurance coverage for property and casualty insurance.
Valuation and fundamentals
Valuation & fundamentals
Discounted cash flow
A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.
Edit assumptions · recalculates instantly
Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 0.47 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.
Multiples vs Financials
cheaper
pricier
cheaper
cheaper
cheaper
Forward EPS $4.84 vs trailing $5.39 (-10% expected growth). Forward P/E uses analysts' next-12-month estimate.
Quality & financial health
Piotroski F-score 5/9 · last two fiscal years
Analysts
Annual history
| FY | Revenue | Net income | Free cash flow |
|---|---|---|---|
| 2025 | $1.4B | $118.2M | $269.7M |
| 2024 | $1.3B | $62.0M | $340.3M |
| 2023 | $1.1B | $-29.7M | $171.7M |
| 2022 | $980.3M | $15.0M | $-1.3M |
| 2021 | $1.1B | $80.6M | $29.9M |
| 2020 | $1.1B | $-112.7M | $41.4M |
From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +12.2%.
For information only · Important disclosures
Grades vs sector
Momentum98th percentile in sectorA+
Percentile within its GICS sector across the S&P 1500.
Growth64th percentile in sectorB-
Percentile within its GICS sector across the S&P 1500.
Value57th percentile in sectorB-
Percentile within its GICS sector across the S&P 1500.
Profitability40th percentile in sectorC-
Percentile within its GICS sector across the S&P 1500.
RevisionsNot enough data yet–
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
Systematic Models
Held by 1 of 7 live models: Momentum Blend.
Earnings & events
UFCS earningsNext report in 6 daysIn line = within 1% of the estimate.
Quarterly revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 2026-06-30 | $383.7M | +14.0% |
| 2026-03-31 | $369.4M | – |
| 2025-12-31 | $366.2M | – |
| 2025-09-30 | $354.0M | – |
| 2025-06-30 | $336.6M | – |
Recent dividends
News & catalysts
More newsRating changes
Third-party analyst actions, not SURVYR.'s views. All rating changes
Insider trades
$542.8K
Stats refreshed 2026-10-27 18:03:53 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now
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Systematic research · Not investment advice · Hypothetical unless marked Live · Data: Yahoo Finance (15-min delayed), SEC EDGAR, House Clerk · Important disclosures · Contact desk@coteau.app
Coteau 0.9 · Oct 21, 2026