# United Fire Group Inc. (UFCS) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Insurance. Price $55.98, market value $1.4 billion.

## Valuation
- **P/E (trailing): 10.4×** (5-yr avg 20.8×, 3-yr avg 9.8×). United Fire Group Inc. trades at 10.4× trailing earnings, well below its own five-year average of 20.8×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.6×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.13**. A PEG of 0.13 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.0×**. Each dollar of revenue is priced at 1.0×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 9.6%**. The inverse of the P/E: 9.6% of the price is earned each year.

## Profitability
- **Net margin: 8.5%**. 8.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.6%**. 12.6% on shareholders' equity is solid.
- **Return on assets: 3.7%**. Each dollar of assets produces 3.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 10.6%** (3-yr 12.2%/yr, 5-yr 5.3%/yr). Revenue grew 10.6% over the last year, against 5.3% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 87.4%** (3-yr 96.6%/yr). Earnings per share rose 87.4%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $156 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.43%** ($0.72 per share, trailing). United Fire Group Inc. yields 1.43%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 14%**. 14% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): -10.9%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 77.7%** (YTD 54.7%, 3-mo 23.8%). The shares are up 77.7% over twelve months including dividends.
- **From 52-week high: -1.3%** (88.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 66**. An RSI of 66 is neutral.
- **Beta (1 yr): 0.20** (volatility 32%). Beta of 0.20 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UFCS · Page: https://foliofundamentals.com/stocks/ufcs

Not investment advice.