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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
UFCS's Cash to Debt is ranked higher than
92% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.89 vs. UFCS: No Debt )
UFCS' s 10-Year Cash to Debt Range
Min: 1.64   Max: No Debt
Current: No Debt

Equity to Asset 0.22
UFCS's Equity to Asset is ranked higher than
65% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. UFCS: 0.22 )
UFCS' s 10-Year Equity to Asset Range
Min: 0.14   Max: 1
Current: 0.22

0.14
1
Interest Coverage 2.90
UFCS's Interest Coverage is ranked lower than
51% of the 163 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 vs. UFCS: 2.90 )
UFCS' s 10-Year Interest Coverage Range
Min: 0.53   Max: 9999.99
Current: 2.9

0.53
9999.99
F-Score: 6
Z-Score: 0.65
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 8.89
UFCS's Operating margin (%) is ranked higher than
66% of the 198 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.16 vs. UFCS: 8.89 )
UFCS' s 10-Year Operating margin (%) Range
Min: -5.51   Max: 24.95
Current: 8.89

-5.51
24.95
Net-margin (%) 6.86
UFCS's Net-margin (%) is ranked higher than
68% of the 198 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.15 vs. UFCS: 6.86 )
UFCS' s 10-Year Net-margin (%) Range
Min: -2.17   Max: 17.45
Current: 6.86

-2.17
17.45
ROE (%) 7.54
UFCS's ROE (%) is ranked higher than
64% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.05 vs. UFCS: 7.54 )
UFCS' s 10-Year ROE (%) Range
Min: -2.04   Max: 17.43
Current: 7.54

-2.04
17.43
ROA (%) 1.62
UFCS's ROA (%) is ranked higher than
63% of the 198 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. UFCS: 1.62 )
UFCS' s 10-Year ROA (%) Range
Min: -0.49   Max: 4.04
Current: 1.62

-0.49
4.04
ROC (Joel Greenblatt) (%) 168.09
UFCS's ROC (Joel Greenblatt) (%) is ranked higher than
72% of the 155 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 210.73 vs. UFCS: 168.09 )
UFCS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -216.93   Max: 1476.13
Current: 168.09

-216.93
1476.13
Revenue Growth (%) 15.20
UFCS's Revenue Growth (%) is ranked higher than
90% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. UFCS: 15.20 )
UFCS' s 10-Year Revenue Growth (%) Range
Min: -8.5   Max: 15.2
Current: 15.2

-8.5
15.2
EBITDA Growth (%) 10.50
UFCS's EBITDA Growth (%) is ranked higher than
74% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.60 vs. UFCS: 10.50 )
UFCS' s 10-Year EBITDA Growth (%) Range
Min: -55   Max: 86.4
Current: 10.5

-55
86.4
EPS Growth (%) 18.10
UFCS's EPS Growth (%) is ranked higher than
83% of the 168 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. UFCS: 18.10 )
UFCS' s 10-Year EPS Growth (%) Range
Min: -100   Max: 48.7
Current: 18.1

-100
48.7
» UFCS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

UFCS Guru Trades in Q3 2013

Jim Simons Sold Out
Chuck Royce 128,277 sh (-10.72%)
» More
Q4 2013

UFCS Guru Trades in Q4 2013

Chuck Royce 127,977 sh (-0.23%)
» More
Q1 2014

UFCS Guru Trades in Q1 2014

Bill Frels 6,600 sh (New)
Chuck Royce 127,977 sh (unchged)
» More
Q2 2014

UFCS Guru Trades in Q2 2014

Jim Simons 28,083 sh (New)
Bill Frels 62,064 sh (+840.36%)
Chuck Royce 134,077 sh (+4.77%)
» More
» Details

Insider Trades

Latest Guru Trades with UFCS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Guru Investment Theses on United Fire Group Inc

Mairs & Power Small Cap Fund Comments on United Fire Group - Jul 31, 2014



Portfolio additions during the second quarter included United Fire Group (UFCS), a company based in Cedar Rapids, Iowa that writes property and casualty insurance, life insurance, and offers annuities. With a strong history of conservative underwriting, this steady performer grew its Return on Equity (ROE) 10% last year, while its stock traded at a discount to book value – considered a rare event at current valuations. Another aspect we like about this company is that its management goes out of its way to tell potential investors that, while they must report their results quarterly, they manage their company for the much longer term; music to our ears.

From Bill Frels (Trades, Portfolio)’ Small Cap Fund Second Quarter 2014 Commentary.

Check out Bill Frels latest stock trades

Top Ranked Articles about United Fire Group Inc

Mairs & Power Small Cap Fund Comments on United Fire Group
Portfolio additions during the second quarter included United Fire Group (UFCS), a company based in Cedar Rapids, Iowa that writes property and casualty insurance, life insurance, and offers annuities. With a strong history of conservative underwriting, this steady performer grew its Return on Equity (ROE) 10% last year, while its stock traded at a discount to book value – considered a rare event at current valuations. Another aspect we like about this company is that its management goes out of its way to tell potential investors that, while they must report their results quarterly, they manage their company for the much longer term; music to our ears.

From Bill Frels (Trades, Portfolio)’ Small Cap Fund Second Quarter 2014 Commentary. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 11.80
UFCS's P/E(ttm) is ranked higher than
77% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.40 vs. UFCS: 11.80 )
UFCS' s 10-Year P/E(ttm) Range
Min: 6.97   Max: 10465
Current: 11.8

6.97
10465
P/B 0.87
UFCS's P/B is ranked higher than
91% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. UFCS: 0.87 )
UFCS' s 10-Year P/B Range
Min: 0.58   Max: 2.16
Current: 0.87

0.58
2.16
P/S 0.81
UFCS's P/S is ranked higher than
84% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. UFCS: 0.81 )
UFCS' s 10-Year P/S Range
Min: 0.55   Max: 1.84
Current: 0.81

0.55
1.84
PFCF 5.00
UFCS's PFCF is ranked higher than
89% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.59 vs. UFCS: 5.00 )
UFCS' s 10-Year PFCF Range
Min: 3.11   Max: 57.37
Current: 5

3.11
57.37
EV-to-EBIT 7.89
UFCS's EV-to-EBIT is ranked higher than
83% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.33 vs. UFCS: 7.89 )
UFCS' s 10-Year EV-to-EBIT Range
Min: 1.6   Max: 97.5
Current: 7.89

1.6
97.5
PEG 0.22
UFCS's PEG is ranked higher than
99% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. UFCS: 0.22 )
UFCS' s 10-Year PEG Range
Min: 0.15   Max: 1.79
Current: 0.22

0.15
1.79
Shiller P/E 29.42
UFCS's Shiller P/E is ranked higher than
68% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.45 vs. UFCS: 29.42 )
UFCS' s 10-Year Shiller P/E Range
Min: 6.05   Max: 36.22
Current: 29.42

6.05
36.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.70
UFCS's Dividend Yield is ranked higher than
57% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.50 vs. UFCS: 2.70 )
UFCS' s 10-Year Dividend Yield Range
Min: 1   Max: 3.91
Current: 2.7

1
3.91
Dividend Payout 0.30
UFCS's Dividend Payout is ranked higher than
77% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.46 vs. UFCS: 0.30 )
UFCS' s 10-Year Dividend Payout Range
Min: 0.09   Max: 3.4
Current: 0.3

0.09
3.4
Dividend growth (3y) 4.80
UFCS's Dividend growth (3y) is ranked higher than
70% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.70 vs. UFCS: 4.80 )
UFCS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 9.7
Current: 4.8

0
9.7
Yield on cost (5-Year) 3.10
UFCS's Yield on cost (5-Year) is ranked lower than
51% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.22 vs. UFCS: 3.10 )
UFCS' s 10-Year Yield on cost (5-Year) Range
Min: 1.15   Max: 4.49
Current: 3.1

1.15
4.49
Share Buyback Rate 1.00
UFCS's Share Buyback Rate is ranked higher than
80% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. UFCS: 1.00 )
UFCS' s 10-Year Share Buyback Rate Range
Min: 2.2   Max: -11.1
Current: 1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.91
UFCS's Price/Tangible Book is ranked higher than
92% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.47 vs. UFCS: 0.91 )
UFCS' s 10-Year Price/Tangible Book Range
Min: 0.12   Max: 1.91
Current: 0.91

0.12
1.91
Price/DCF (Projected) 0.46
UFCS's Price/DCF (Projected) is ranked higher than
91% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.66 vs. UFCS: 0.46 )
UFCS' s 10-Year Price/DCF (Projected) Range
Min: 0.11   Max: 0.87
Current: 0.46

0.11
0.87
Price/Median PS Value 0.88
UFCS's Price/Median PS Value is ranked higher than
89% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. UFCS: 0.88 )
UFCS' s 10-Year Price/Median PS Value Range
Min: 0.43   Max: 1.84
Current: 0.88

0.43
1.84
Price/Graham Number 0.68
UFCS's Price/Graham Number is ranked higher than
88% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.89 vs. UFCS: 0.68 )
UFCS' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 40.36
Current: 0.68

0.26
40.36
Earnings Yield (Greenblatt) 12.70
UFCS's Earnings Yield (Greenblatt) is ranked higher than
81% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. UFCS: 12.70 )
UFCS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 63.7
Current: 12.7

1
63.7
Forward Rate of Return (Yacktman) 6.95
UFCS's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.75 vs. UFCS: 6.95 )
UFCS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.1   Max: 76
Current: 6.95

-5.1
76

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
United Fire Group Inc. is engaged in the business of writing property and casualty insurance and life insurance and selling annuities. The Company's operation is divided into two business segments property and casualty insurance and life insurance. Its property and casualty insurance segment is comprised of commercial lines insurance, including surety bonds, personal lines insurance and assumed insurance. Its life insurance segment is comprised of deferred and immediate annuities, universal life insurance products and traditional life insurance products. All of its property and casualty insurance subsidiaries belong to one of two reinsurance pooling arrangement. Its life insurance segment consists solely of the operations of United Life Insurance Company. The Company markets its products through its home office in Cedar Rapids, Iowa, and four regional locations: Westminster, Colorado, a suburb of Denver; Galveston, Texas; Pennington, New Jersey; and Rocklin, California. It is licensed as a property and casualty insurer in 43 states, primarily in the Midwest, West and South, plus the District of Columbia. Its life insurance subsidiary is licensed in 36 states, primarily in the Midwest and West, and is represented by 900 independent agencies. The property and casualty insurance segments compete with numerous property and casualty insurance companies in the regional and national market. Life Insurance Segment competitors include companies that market their products through agents, as well as companies that sell directly to their customers. The Company is subject to various state regulations requiring investment portfolio diversification.
» More Articles for UFCS

Headlines

Articles On GuruFocus.com
Mairs & Power Small Cap Fund Comments on United Fire Group Jul 31 2014 
Mairs & Power Small Cap Fund Second Quarter 2014 Commentary Jul 31 2014 
The Tweedy Browne Stock Screen Nov. 6 2012 Nov 08 2012 
United Fire & Casualty Company Reports Operating Results (10-Q) Nov 09 2009 
United Fire & Casualty Company Reports Operating Results (10-Q) Jul 31 2009 
UFCS: valued at $46 by biloslhi May 17 2009 
United Fire & Casualty Company Reports Operating Results (10-Q) May 05 2009 

More From Other Websites
UNITED FIRE GROUP INC Files SEC form 8-K, Other Events Aug 28 2014
United Fire Group, Inc. Management to Speak at the Keefe, Bruyette & Woods 2014 Insurance Conference... Aug 28 2014
United Fire Group Authorizes Buyback of 1 Million Shares Aug 19 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Other Events Aug 15 2014
United Fire Group, Inc. Declares a Common Stock Cash Dividend, Extends the Stock Repurchase Program... Aug 15 2014
UNITED FIRE GROUP INC Financials Aug 15 2014
Q2 2014 United Fire Group Inc Earnings Release - Before Market Open Aug 05 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition Aug 05 2014
United Fire Group, Inc. Reports Second Quarter 2014 Results Aug 05 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Other Events Jul 08 2014
United Fire Group, Inc. Announces Its 2014 Second Quarter and Year-to-Date Earnings Call Jul 08 2014
United Fire Group to Incur $20-23M Q2 Cat Loss Jun 25 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Other Events Jun 24 2014
United Fire Group, Inc. Comments on Preliminary Loss Estimate for Second Quarter Spring Storms Jun 24 2014
American Equity Investment Life Holding to hold a conference May 29 2014
United Fire Group Hikes Dividend 11% May 22 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Change in Directors or Principal Officers, Regulation FD... May 22 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Other Events May 21 2014
United Fire & Casualty raises quarterly dividend 11% to 20c per share May 21 2014
Iowa Insurance Companies to Host Des Moines Insurance Conference May 21 2014
United Fire Shares Fall on Depressed Earnings May 07 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition May 06 2014
United Fire Group Simplifies Name, Introduces Refreshed Logo and Reveals New Tagline Mar 14 2014
United Fire Group, Inc. to Present at the 18th Annual NYSSA Insurance Industry Conference Mar 10 2014
United Fire Group, Inc. Declares Common Stock Cash Dividend and Appoints Susan E. Voss to the Board... Feb 21 2014
United Fire Group, Inc. Reports 2013 Earnings Per Share of $2.98 and Other Fourth Quarter and Year... Feb 18 2014
United Fire Group, Inc. Announces Its 2013 Fourth Quarter and Year-End Earnings Call Jan 24 2014
United Fire Group, Inc. Declares Common Stock Cash Dividend Nov 15 2013
United Fire Group, Inc. Reports Third Quarter 2013 Results Nov 05 2013

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