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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
96% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.35 vs. UFCS: No Debt )
Ranked among companies with meaningful Cash to Debt only.
UFCS' s 10-Year Cash to Debt Range
Min: 1.64  Med: 10000.00 Max: No Debt
Current: No Debt
Equity to Asset 0.21
UFCS's Equity to Asset is ranked lower than
70% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. UFCS: 0.21 )
Ranked among companies with meaningful Equity to Asset only.
UFCS' s 10-Year Equity to Asset Range
Min: 0.14  Med: 0.21 Max: 1
Current: 0.21
0.14
1
Interest Coverage 2.53
UFCS's Interest Coverage is ranked lower than
94% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. UFCS: 2.53 )
Ranked among companies with meaningful Interest Coverage only.
UFCS' s 10-Year Interest Coverage Range
Min: 0.53  Med: 2.04 Max: 9999.99
Current: 2.53
0.53
9999.99
F-Score: 7
WACC vs ROIC
10.21%
10.06%
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 (%) 10.08
UFCS's Operating margin (%) is ranked lower than
54% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. UFCS: 10.08 )
Ranked among companies with meaningful Operating margin (%) only.
UFCS' s 10-Year Operating margin (%) Range
Min: -5.51  Med: 8.26 Max: 24.95
Current: 10.08
-5.51
24.95
Net-margin (%) 7.53
UFCS's Net-margin (%) is ranked lower than
59% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. UFCS: 7.53 )
Ranked among companies with meaningful Net-margin (%) only.
UFCS' s 10-Year Net-margin (%) Range
Min: -2.17  Med: 7.00 Max: 17.45
Current: 7.53
-2.17
17.45
ROE (%) 8.94
UFCS's ROE (%) is ranked lower than
59% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. UFCS: 8.94 )
Ranked among companies with meaningful ROE (%) only.
UFCS' s 10-Year ROE (%) Range
Min: -1.88  Med: 7.12 Max: 16.62
Current: 8.94
-1.88
16.62
ROA (%) 1.91
UFCS's ROA (%) is ranked lower than
67% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.77 vs. UFCS: 1.91 )
Ranked among companies with meaningful ROA (%) only.
UFCS' s 10-Year ROA (%) Range
Min: -0.48  Med: 1.59 Max: 4.02
Current: 1.91
-0.48
4.02
Revenue Growth (3Y)(%) 10.70
UFCS's Revenue Growth (3Y)(%) is ranked higher than
68% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. UFCS: 10.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UFCS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.5  Med: 8.70 Max: 15.2
Current: 10.7
-8.5
15.2
EBITDA Growth (3Y)(%) 34.60
UFCS's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.30 vs. UFCS: 34.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UFCS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -55  Med: -1.10 Max: 86.4
Current: 34.6
-55
86.4
» UFCS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

UFCS Guru Trades in Q3 2014

Bill Frels 132,332 sh (+113.22%)
Chuck Royce 140,394 sh (+4.71%)
Jim Simons 18,683 sh (-33.47%)
» More
Q4 2014

UFCS Guru Trades in Q4 2014

Bill Frels 173,664 sh (+31.23%)
Chuck Royce 141,194 sh (+0.57%)
Jim Simons Sold Out
» More
Q1 2015

UFCS Guru Trades in Q1 2015

Jim Simons 19,500 sh (New)
Bill Frels 205,963 sh (+18.60%)
Chuck Royce 143,094 sh (+1.35%)
» More
Q2 2015

UFCS Guru Trades in Q2 2015

Jim Simons 37,800 sh (+93.85%)
Bill Frels 207,893 sh (+0.94%)
Chuck Royce 143,094 sh (unchged)
» 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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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

Ratios

vs
industry
vs
history
P/E(ttm) 11.52
UFCS's P/E(ttm) is ranked higher than
53% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.20 vs. UFCS: 11.52 )
Ranked among companies with meaningful P/E(ttm) only.
UFCS' s 10-Year P/E(ttm) Range
Min: 6.97  Med: 12.21 Max: 10465
Current: 11.52
6.97
10465
Forward P/E 14.66
UFCS's Forward P/E is ranked lower than
68% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.05 vs. UFCS: 14.66 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.60
UFCS's PE(NRI) is ranked higher than
52% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. UFCS: 11.60 )
Ranked among companies with meaningful PE(NRI) only.
UFCS' s 10-Year PE(NRI) Range
Min: 6.97  Med: 12.03 Max: 99999999.99
Current: 11.6
6.97
99999999.99
P/B 1.00
UFCS's P/B is ranked higher than
69% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. UFCS: 1.00 )
Ranked among companies with meaningful P/B only.
UFCS' s 10-Year P/B Range
Min: 0.58  Med: 0.93 Max: 2.16
Current: 1
0.58
2.16
P/S 0.85
UFCS's P/S is ranked higher than
66% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. UFCS: 0.85 )
Ranked among companies with meaningful P/S only.
UFCS' s 10-Year P/S Range
Min: 0.55  Med: 0.91 Max: 1.84
Current: 0.85
0.55
1.84
PFCF 4.66
UFCS's PFCF is ranked higher than
82% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. UFCS: 4.66 )
Ranked among companies with meaningful PFCF only.
UFCS' s 10-Year PFCF Range
Min: 3.15  Med: 6.36 Max: 57.37
Current: 4.66
3.15
57.37
POCF 4.48
UFCS's POCF is ranked higher than
84% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. UFCS: 4.48 )
Ranked among companies with meaningful POCF only.
UFCS' s 10-Year POCF Range
Min: 3.09  Med: 6.46 Max: 27.41
Current: 4.48
3.09
27.41
EV-to-EBIT 6.49
UFCS's EV-to-EBIT is ranked higher than
69% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. UFCS: 6.49 )
Ranked among companies with meaningful EV-to-EBIT only.
UFCS' s 10-Year EV-to-EBIT Range
Min: -92.7  Med: 5.55 Max: 97.5
Current: 6.49
-92.7
97.5
PEG 0.30
UFCS's PEG is ranked higher than
83% of the 54 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.82 vs. UFCS: 0.30 )
Ranked among companies with meaningful PEG only.
UFCS' s 10-Year PEG Range
Min: 0.15  Med: 0.45 Max: 1.82
Current: 0.3
0.15
1.82
Shiller P/E 19.51
UFCS's Shiller P/E is ranked lower than
65% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.20 vs. UFCS: 19.51 )
Ranked among companies with meaningful Shiller P/E only.
UFCS' s 10-Year Shiller P/E Range
Min: 6  Med: 16.79 Max: 36.22
Current: 19.51
6
36.22
Days Sales Outstanding 114.95
UFCS's Days Sales Outstanding is ranked lower than
68% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. UFCS: 114.95 )
Ranked among companies with meaningful Days Sales Outstanding only.
UFCS' s 10-Year Days Sales Outstanding Range
Min: 48.41  Med: 96.50 Max: 166.42
Current: 114.95
48.41
166.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.55
UFCS's Dividend Yield is ranked lower than
71% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.97 vs. UFCS: 2.55 )
Ranked among companies with meaningful Dividend Yield only.
UFCS' s 10-Year Dividend Yield Range
Min: 1  Med: 2.47 Max: 3.91
Current: 2.55
1
3.91
Dividend Payout 0.28
UFCS's Dividend Payout is ranked higher than
61% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. UFCS: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
UFCS' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.22 Max: 20
Current: 0.28
0.09
20
Dividend growth (3y) 9.10
UFCS's Dividend growth (3y) is ranked higher than
51% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. UFCS: 9.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
UFCS' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 4.80 Max: 9.7
Current: 9.1
0
9.7
Yield on cost (5-Year) 3.27
UFCS's Yield on cost (5-Year) is ranked lower than
79% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.32 vs. UFCS: 3.27 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UFCS' s 10-Year Yield on cost (5-Year) Range
Min: 1.28  Med: 3.17 Max: 5.01
Current: 3.27
1.28
5.01
Share Buyback Rate 0.50
UFCS's Share Buyback Rate is ranked higher than
69% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. UFCS: 0.50 )
Ranked among companies with meaningful Share Buyback Rate only.
UFCS' s 10-Year Share Buyback Rate Range
Min: 2.2  Med: 0.50 Max: -11.1
Current: 0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
UFCS's Price/Tangible Book is ranked higher than
73% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. UFCS: 1.03 )
Ranked among companies with meaningful Price/Tangible Book only.
UFCS' s 10-Year Price/Tangible Book Range
Min: 0.12  Med: 1.06 Max: 1.91
Current: 1.03
0.12
1.91
Price/Projected FCF 0.46
UFCS's Price/Projected FCF is ranked higher than
80% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.72 vs. UFCS: 0.46 )
Ranked among companies with meaningful Price/Projected FCF only.
UFCS' s 10-Year Price/Projected FCF Range
Min: 0.11  Med: 0.49 Max: 0.87
Current: 0.46
0.11
0.87
Price/Median PS Value 0.94
UFCS's Price/Median PS Value is ranked higher than
68% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. UFCS: 0.94 )
Ranked among companies with meaningful Price/Median PS Value only.
UFCS' s 10-Year Price/Median PS Value Range
Min: 0.43  Med: 0.95 Max: 1.86
Current: 0.94
0.43
1.86
Price/Peter Lynch Fair Value 0.77
UFCS's Price/Peter Lynch Fair Value is ranked lower than
63% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.68 vs. UFCS: 0.77 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UFCS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.31  Med: 0.62 Max: 3.23
Current: 0.77
0.31
3.23
Price/Graham Number 0.71
UFCS's Price/Graham Number is ranked higher than
64% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. UFCS: 0.71 )
Ranked among companies with meaningful Price/Graham Number only.
UFCS' s 10-Year Price/Graham Number Range
Min: 0.26  Med: 0.78 Max: 40.36
Current: 0.71
0.26
40.36
Earnings Yield (Greenblatt) (%) 15.44
UFCS's Earnings Yield (Greenblatt) (%) is ranked higher than
73% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. UFCS: 15.44 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UFCS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1  Med: 13.60 Max: 38.1
Current: 15.44
1
38.1
Forward Rate of Return (Yacktman) (%) 26.03
UFCS's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. UFCS: 26.03 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UFCS' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 6.5  Med: 13.10 Max: 76.8
Current: 26.03
6.5
76.8

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
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. The property and casualty insurance industry is highly competitive. 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.
» 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 

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