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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 : 7/10

vs
industry
vs
history
Cash to Debt No Debt
UFCS's Cash to Debt is ranked higher than
97% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.81 vs. UFCS: No Debt )
Ranked among companies with meaningful Cash to Debt only.
UFCS' s Cash to Debt Range Over the Past 10 Years
Min: 1.64  Med: No Debt Max: No Debt
Current: No Debt
Equity to Asset 0.23
UFCS's Equity to Asset is ranked lower than
64% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. UFCS: 0.23 )
Ranked among companies with meaningful Equity to Asset only.
UFCS' s Equity to Asset Range Over the Past 10 Years
Min: 0.14  Med: 0.21 Max: 1
Current: 0.23
0.14
1
Interest Coverage No Debt
UFCS's Interest Coverage is ranked higher than
97% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 34.62 vs. UFCS: No Debt )
Ranked among companies with meaningful Interest Coverage only.
UFCS' s Interest Coverage Range Over the Past 10 Years
Min: 1.11  Med: 2.55 Max: 5.13
Current: No Debt
1.11
5.13
F-Score: 5
WACC vs ROIC
8.30%
8.74%
WACC
ROIC
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 (%) 7.93
UFCS's Operating margin (%) is ranked lower than
58% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.63 vs. UFCS: 7.93 )
Ranked among companies with meaningful Operating margin (%) only.
UFCS' s Operating margin (%) Range Over the Past 10 Years
Min: -5.51  Med: 9 Max: 24.95
Current: 7.93
-5.51
24.95
Net-margin (%) 6.19
UFCS's Net-margin (%) is ranked lower than
58% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.27 vs. UFCS: 6.19 )
Ranked among companies with meaningful Net-margin (%) only.
UFCS' s Net-margin (%) Range Over the Past 10 Years
Min: -2.17  Med: 8.04 Max: 17.45
Current: 6.19
-2.17
17.45
ROE (%) 7.52
UFCS's ROE (%) is ranked lower than
60% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. UFCS: 7.52 )
Ranked among companies with meaningful ROE (%) only.
UFCS' s ROE (%) Range Over the Past 10 Years
Min: -1.88  Med: 7.39 Max: 15.55
Current: 7.52
-1.88
15.55
ROA (%) 1.72
UFCS's ROA (%) is ranked lower than
67% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.33 vs. UFCS: 1.72 )
Ranked among companies with meaningful ROA (%) only.
UFCS' s ROA (%) Range Over the Past 10 Years
Min: -0.48  Med: 1.61 Max: 4.02
Current: 1.72
-0.48
4.02
Revenue Growth (3Y)(%) 8.80
UFCS's Revenue Growth (3Y)(%) is ranked higher than
61% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.50 vs. UFCS: 8.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UFCS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.9  Med: 7.9 Max: 15.3
Current: 8.8
-6.9
15.3
EBITDA Growth (3Y)(%) 17.10
UFCS's EBITDA Growth (3Y)(%) is ranked higher than
67% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.40 vs. UFCS: 17.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UFCS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -55  Med: 1.4 Max: 82.1
Current: 17.1
-55
82.1
EPS Growth (3Y)(%) 30.70
UFCS's EPS Growth (3Y)(%) is ranked higher than
81% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 vs. UFCS: 30.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UFCS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 3.25 Max: 44.9
Current: 30.7
0
44.9
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» UFCS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2016

UFCS Guru Trades in Q1 2016

Jim Simons 82,500 sh (+17.86%)
Mairs and Power 160,707 sh (-18.18%)
Chuck Royce 35,517 sh (-39.92%)
» More
Q2 2016

UFCS Guru Trades in Q2 2016

Mairs and Power 187,307 sh (+16.55%)
Chuck Royce 29,517 sh (-16.89%)
Jim Simons 41,700 sh (-49.45%)
» More
Q3 2016

UFCS Guru Trades in Q3 2016

Paul Tudor Jones 8,942 sh (New)
Mairs and Power 212,007 sh (+13.19%)
Chuck Royce 29,517 sh (unchged)
Jim Simons 31,200 sh (-25.18%)
» More
Q4 2016

UFCS Guru Trades in Q4 2016

Jim Simons 42,900 sh (+37.50%)
Mairs and Power 219,457 sh (+3.51%)
Paul Tudor Jones Sold Out
Chuck Royce 28,417 sh (-3.73%)
» 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%)

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:STFC, NYSE:STC, NAS:SAFT, NAS:IPCC, NAS:JRVR, NYSE:UVE, NAS:AMSF, NYSE:MBI, NAS:NMIH, NAS:KNSL, NAS:EMCI, NAS:GBLI, NAS:SNC, NAS:NAVG, NYSE:HRTG, NAS:DGICA, NYSE:HCI, NAS:BWINB, NAS:UIHC, NYSE:ENHPRC » details
United Fire Group Inc is engaged in the business of writing property and casualty insurance and life insurance and selling annuities. Its operations are divided into two segments: property and casualty insurance and life insurance.

United Fire Group Inc was incorporated in Iowa in January 1946. The Company is engaged in the business of writing property and casualty insurance and life insurance and selling annuities through a network of independent agencies. It operates in two business segments: property and casualty insurance and life insurance. The property and casualty insurance segment is comprised of commercial lines insurance, including surety bonds, personal lines insurance and assumed reinsurance. The life insurance segment is comprised of deferred and immediate fixed annuities, universal life insurance products and traditional life insurance products. The 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; Webster, Texas; Pennington, New Jersey; and Rocklin, California. It competes with numerous property and casualty insurance companies in the regional and national market, many of which are substantially larger and have considerably greater financial and other resources. The Company is subject to various state regulations requiring investment portfolio diversification.

Guru Investment Theses on United Fire Group Inc

Mairs & Power Comments on United Fire - Feb 04, 2016

United Fire (UFCS), a property, casualty and life insurance company based in Cedar Falls, Iowa, was a top contributor to performance for the year. Solid execution in building the book value of the company, accompanied by an improving valuation as the stock went from trading at a discount to book value to a slight premium, has driven performance. We like the company’s long-term focus on driving value for shareholders, customers and employees.



From Mairs & Power Small Cap Fund 4th quarter investor letter.



Check out Mairs & Power latest stock trades

Ratios

vs
industry
vs
history
P/E(ttm) 15.30
UFCS's P/E(ttm) is ranked lower than
58% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.49 vs. UFCS: 15.30 )
Ranked among companies with meaningful P/E(ttm) only.
UFCS' s P/E(ttm) Range Over the Past 10 Years
Min: 6.97  Med: 12.43 Max: 234.75
Current: 15.3
6.97
234.75
PE(NRI) 15.30
UFCS's PE(NRI) is ranked lower than
58% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.53 vs. UFCS: 15.30 )
Ranked among companies with meaningful PE(NRI) only.
UFCS' s PE(NRI) Range Over the Past 10 Years
Min: 6.97  Med: 12.43 Max: 234.75
Current: 15.3
6.97
234.75
Price/Owner Earnings (ttm) 6.01
UFCS's Price/Owner Earnings (ttm) is ranked higher than
81% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.57 vs. UFCS: 6.01 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UFCS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.54  Med: 7.84 Max: 35.54
Current: 6.01
4.54
35.54
P/B 1.09
UFCS's P/B is ranked higher than
57% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.36 vs. UFCS: 1.09 )
Ranked among companies with meaningful P/B only.
UFCS' s P/B Range Over the Past 10 Years
Min: 0.58  Med: 0.93 Max: 1.67
Current: 1.09
0.58
1.67
P/S 0.95
UFCS's P/S is ranked higher than
54% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. UFCS: 0.95 )
Ranked among companies with meaningful P/S only.
UFCS' s P/S Range Over the Past 10 Years
Min: 0.56  Med: 0.9 Max: 1.82
Current: 0.95
0.56
1.82
PFCF 5.60
UFCS's PFCF is ranked higher than
82% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.05 vs. UFCS: 5.60 )
Ranked among companies with meaningful PFCF only.
UFCS' s PFCF Range Over the Past 10 Years
Min: 3.15  Med: 5.8 Max: 57.78
Current: 5.6
3.15
57.78
POCF 5.46
UFCS's POCF is ranked higher than
78% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.86 vs. UFCS: 5.46 )
Ranked among companies with meaningful POCF only.
UFCS' s POCF Range Over the Past 10 Years
Min: 3.1  Med: 5.98 Max: 27.84
Current: 5.46
3.1
27.84
EV-to-EBIT 8.11
UFCS's EV-to-EBIT is ranked higher than
57% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.62 vs. UFCS: 8.11 )
Ranked among companies with meaningful EV-to-EBIT only.
UFCS' s EV-to-EBIT Range Over the Past 10 Years
Min: -87.4  Med: 5.7 Max: 97.2
Current: 8.11
-87.4
97.2
EV-to-EBITDA 7.86
UFCS's EV-to-EBITDA is ranked higher than
54% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. UFCS: 7.86 )
Ranked among companies with meaningful EV-to-EBITDA only.
UFCS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -155.7  Med: 5.3 Max: 64.2
Current: 7.86
-155.7
64.2
PEG 0.85
UFCS's PEG is ranked lower than
53% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.92 vs. UFCS: 0.85 )
Ranked among companies with meaningful PEG only.
UFCS' s PEG Range Over the Past 10 Years
Min: 0.45  Med: 0.65 Max: 0.97
Current: 0.85
0.45
0.97
Shiller P/E 21.56
UFCS's Shiller P/E is ranked lower than
86% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.05 vs. UFCS: 21.56 )
Ranked among companies with meaningful Shiller P/E only.
UFCS' s Shiller P/E Range Over the Past 10 Years
Min: 7.8  Med: 15.1 Max: 26.14
Current: 21.56
7.8
26.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.35
UFCS's Dividend Yield is ranked lower than
72% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. UFCS: 2.35 )
Ranked among companies with meaningful Dividend Yield only.
UFCS' s Dividend Yield Range Over the Past 10 Years
Min: 1.27  Med: 2.48 Max: 3.91
Current: 2.35
1.27
3.91
Dividend Payout 0.35
UFCS's Dividend Payout is ranked lower than
51% of the 139 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. UFCS: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
UFCS' s Dividend Payout Range Over the Past 10 Years
Min: 0.14  Med: 0.24 Max: 0.38
Current: 0.35
0.14
0.38
Dividend Growth (3y) 12.70
UFCS's Dividend Growth (3y) is ranked higher than
62% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. UFCS: 12.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UFCS' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -4.6  Med: 4.8 Max: 12.7
Current: 12.7
-4.6
12.7
Forward Dividend Yield 2.42
UFCS's Forward Dividend Yield is ranked lower than
72% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. UFCS: 2.42 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.45
UFCS's Yield on cost (5-Year) is ranked lower than
76% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.59 vs. UFCS: 3.45 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UFCS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.87  Med: 3.66 Max: 5.77
Current: 3.45
1.87
5.77
3-Year Average Share Buyback Ratio 0.10
UFCS's 3-Year Average Share Buyback Ratio is ranked higher than
58% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. UFCS: 0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UFCS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -11.3  Med: 0.2 Max: 2.2
Current: 0.1
-11.3
2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
UFCS's Price/Tangible Book is ranked higher than
64% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.54 vs. UFCS: 1.12 )
Ranked among companies with meaningful Price/Tangible Book only.
UFCS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.12  Med: 1.06 Max: 1.91
Current: 1.12
0.12
1.91
Price/Projected FCF 0.51
UFCS's Price/Projected FCF is ranked higher than
69% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.73 vs. UFCS: 0.51 )
Ranked among companies with meaningful Price/Projected FCF only.
UFCS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.11  Med: 0.49 Max: 0.85
Current: 0.51
0.11
0.85
Price/Median PS Value 1.05
UFCS's Price/Median PS Value is ranked lower than
69% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. UFCS: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
UFCS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.44  Med: 0.96 Max: 1.85
Current: 1.05
0.44
1.85
Price/Peter Lynch Fair Value 0.80
UFCS's Price/Peter Lynch Fair Value is ranked higher than
52% of the 33 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. UFCS: 0.80 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UFCS' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.32  Med: 0.64 Max: 10.78
Current: 0.8
0.32
10.78
Price/Graham Number 0.87
UFCS's Price/Graham Number is ranked higher than
54% of the 107 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. UFCS: 0.87 )
Ranked among companies with meaningful Price/Graham Number only.
UFCS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.26  Med: 0.8 Max: 4.78
Current: 0.87
0.26
4.78
Earnings Yield (Greenblatt) (%) 12.30
UFCS's Earnings Yield (Greenblatt) (%) is ranked higher than
61% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. UFCS: 12.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UFCS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1  Med: 16.8 Max: 42.8
Current: 12.3
1
42.8
Forward Rate of Return (Yacktman) (%) 33.50
UFCS's Forward Rate of Return (Yacktman) (%) is ranked higher than
76% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.29 vs. UFCS: 33.50 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UFCS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 6.5  Med: 13.1 Max: 39.9
Current: 33.5
6.5
39.9

More Statistics

Revenue (TTM) (Mil) $1,111
EPS (TTM) $ 2.70
Beta0.78
Short Percentage of Float0.57%
52-Week Range $36.69 - 50.75
Shares Outstanding (Mil)25.36
» More Articles for UFCS

Headlines

Articles On GuruFocus.com
Mairs & Power Comments on United Fire Feb 04 2016 
Mairs & Power Small Cap Fund 4th Quarter Investor Letter Feb 04 2016 
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 
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 Feb 17 2017
United Fire Group, Inc. Declares a Common Stock Quarterly Cash Dividend of $0.25 per Share Feb 17 2017
Edited Transcript of UFCS earnings conference call or presentation 16-Feb-17 3:00pm GMT Feb 16 2017
UNITED FIRE GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition Feb 16 2017
United Fire posts 4Q profit Feb 16 2017
United Fire posts 4Q profit Feb 16 2017
Q4 2016 United Fire Group Inc Earnings Release - Before Market Open Feb 16 2017
United Fire Group, Inc. Reports Fourth Quarter and Year End 2016 Results Feb 16 2017
United Fire Group, Inc. : UFCS-US: Dividend Analysis : December 01st, 2016 (record date) : By the... Jan 25 2017
United Fire Group, Inc. breached its 50 day moving average in a Bearish Manner : UFCS-US : January... Jan 18 2017
UNITED FIRE GROUP INC Files SEC form 8-K, Other Events Jan 17 2017
United Fire Group, Inc. Announces Its 2016 Fourth Quarter and Year-End Earnings Call Jan 17 2017
Do Hedge Funds Love United Fire Group, Inc. (UFCS)? Dec 14 2016
United Fire Group, Inc. Declares a Common Stock Quarterly Cash Dividend of $0.25 per Share and... Nov 18 2016
UNITED FIRE GROUP INC Files SEC form 8-K, Change in Directors or Principal Officers Nov 18 2016
UNITED FIRE GROUP INC Financials Nov 09 2016
Edited Transcript of UFCS earnings conference call or presentation 2-Nov-16 2:00pm GMT Nov 02 2016
UNITED FIRE GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition Nov 02 2016
United Fire Group, Inc. Reports Third Quarter 2016 Results Nov 02 2016
United Fire Group, Inc. Announces Its 2016 Third Quarter Earnings Call Oct 11 2016

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