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28.15 (1y: +33%)
Market Cap 722.3 M P/E(ttm) 16.40
Enterprise Value 720.76 M P/B 1.00
UFCS- NAS (USA)
United Fire Group Inc
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$28.15
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GuruFocus Financial Strength Rank measures how strong a companyย’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
76% of the 97 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.65 vs. UFCS: No Debt )
UFCS' s 10-Year Cash to Debt Range
Min: 3.21   Max: No Debt
Current: No Debt
Equity to Asset 0.19
UFCS's Equity to Asset is ranked lower than
73% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. UFCS: 0.19 )
UFCS' s 10-Year Equity to Asset Range
Min: 0.15   Max: 0.27
Current: 0.19
0.15
0.27
Interest Coverage 1.1
UFCS's Interest Coverage is ranked lower than
96% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.20 vs. UFCS: 1.1 )
UFCS' s 10-Year Interest Coverage Range
Min: 0   Max: 4
Current: 1.1
0
4
F-Score: 6
Z-Score: 0.54
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 5.70
UFCS's Operating margin (%) is ranked lower than
75% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. UFCS: 5.70 )
UFCS' s 10-Year Operating margin (%) Range
Min: -5.5   Max: 25
Current: 5.7
-5.5
25
Net-margin (%) 4.9
UFCS's Net-margin (%) is ranked lower than
69% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. UFCS: 4.9 )
UFCS' s 10-Year Net-margin (%) Range
Min: -2.2   Max: 17.4
Current: 4.9
-2.2
17.4
ROE (%) 5.5
UFCS's ROE (%) is ranked lower than
72% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.20 vs. UFCS: 5.5 )
UFCS' s 10-Year ROE (%) Range
Min: -2   Max: 17.4
Current: 5.5
-2
17.4
ROA (%) 1.1
UFCS's ROA (%) is ranked lower than
79% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.40 vs. UFCS: 1.1 )
UFCS' s 10-Year ROA (%) Range
Min: -0.5   Max: 4
Current: 1.1
-0.5
4
Revenue Growth (%) 10.4
UFCS's Revenue Growth (%) is ranked higher than
57% of the 69 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.00 vs. UFCS: 10.4 )
UFCS' s 10-Year Revenue Growth (%) Range
Min: -6.4   Max: 10.4
Current: 10.4
-6.4
10.4
ยป UFCS's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

UFCS Guru Trades in Q2 2012

Jim Simons 17,483 sh (New)
Diamond Hill Capital 634,824 sh (+134.4%)
Chuck Royce 194,194 sh (-1.97%)
» More
Q3 2012

UFCS Guru Trades in Q3 2012

Jim Simons Sold Out
Chuck Royce 194,077 sh (-0.06%)
Diamond Hill Capital 261,968 sh (-58.73%)
» More
Q4 2012

UFCS Guru Trades in Q4 2012

Steven Cohen 64 sh (New)
Chuck Royce 209,077 sh (+7.73%)
Diamond Hill Capital 151,464 sh (-42.18%)
» More
Q1 2013

UFCS Guru Trades in Q1 2013

Jim Simons 9,300 sh (New)
Diamond Hill Capital Sold Out
Steven Cohen Sold Out
Chuck Royce 142,177 sh (-32%)
» More
» Details

Insider Trades

Latest Guru Trades with UFCS



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 16.40
UFCS's P/E(ttm) is ranked lower than
64% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.80 vs. UFCS: 16.40 )
UFCS' s 10-Year P/E(ttm) Range
Min: 6.97   Max: 10465
Current: 16.4
6.97
10465
P/B 1.00
UFCS's P/B is ranked higher than
54% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.01 vs. UFCS: 1.00 )
UFCS' s 10-Year P/B Range
Min: 0.58   Max: 2.16
Current: 1
0.58
2.16
P/S 0.87
UFCS's P/S is ranked higher than
66% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. UFCS: 0.87 )
UFCS' s 10-Year P/S Range
Min: 0.39   Max: 1.84
Current: 0.87
0.39
1.84
PFCF 4.30
UFCS's PFCF is ranked higher than
83% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.76 vs. UFCS: 4.30 )
UFCS' s 10-Year PFCF Range
Min: 3.15   Max: 57.37
Current: 4.3
3.15
57.37
EV-to-EBIT 13.7
UFCS's EV-to-EBIT is ranked lower than
64% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. UFCS: 13.7 )
UFCS' s 10-Year EV-to-EBIT Range
Min: 1.5   Max: 189.7
Current: 13.7
1.5
189.7
Shiller P/E 25.7
UFCS's Shiller P/E is ranked lower than
100% of the Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: vs. UFCS: 25.7 )
UFCS' s 10-Year Shiller P/E Range
Min: 6.19   Max: 29.37
Current: 25.7
6.19
29.37

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.13
UFCS's Dividend Yield is ranked lower than
52% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.20 vs. UFCS: 2.13 )
UFCS' s 10-Year Dividend Yield Range
Min: 1   Max: 4.45
Current: 2.13
1
4.45
Dividend Payout 0.3507
UFCS's Dividend Payout is ranked lower than
55% of the 66 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.32 vs. UFCS: 0.3507 )
UFCS' s 10-Year Dividend Payout Range
Min: 0.11   Max: 1411.58
Current: 0.35
0.11
1411.58
Yield on cost (5-Year) 2.10
UFCS's Yield on cost (5-Year) is ranked lower than
56% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.48 vs. UFCS: 2.10 )
UFCS' s 10-Year Yield on cost (5-Year) Range
Min: 1   Max: 4.45
Current: 2.1
1
4.45
Share Buyback Rate 1.1
UFCS's Share Buyback Rate is ranked lower than
70% of the 40 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.30 vs. UFCS: 1.1 )
UFCS' s 10-Year Share Buyback Rate Range
Min: 1.2   Max: -8.2
Current: 1.1

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 17.3
UFCS's Price/Net Current Asset Value is ranked lower than
80% of the 70 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.60 vs. UFCS: 17.3 )
UFCS' s 10-Year Price/Net Current Asset Value Range
Min: 3.8   Max: 29.1
Current: 17.3
3.8
29.1
Price/Tangible Book 1
UFCS's Price/Tangible Book is ranked higher than
59% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. UFCS: 1 )
UFCS' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 1.8
Current: 1
0.7
1.8
Price/DCF (Projected) 0.6
UFCS's Price/DCF (Projected) is ranked lower than
54% of the 56 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.60 vs. UFCS: 0.6 )
UFCS' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.9
Current: 0.6
0.4
0.9
Price/Median PS Value 1
UFCS's Price/Median PS Value is ranked lower than
56% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. UFCS: 1 )
UFCS' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.8
Current: 1
0.6
1.8
Price/Graham Number 0.9
UFCS's Price/Graham Number is ranked lower than
60% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. UFCS: 0.9 )
UFCS' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 40.4
Current: 0.9
0.6
40.4
Earnings Yield (Greenblatt) 7.30
UFCS's Earnings Yield (Greenblatt) is ranked lower than
62% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.20 vs. UFCS: 7.30 )
UFCS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 68.3
Current: 7.3
0.5
68.3
Forward Rate of Return (Yacktman) 5.18
UFCS's Forward Rate of Return (Yacktman) is ranked lower than
82% of the 51 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. UFCS: 5.18 )
UFCS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.3   Max: 205.7
Current: 5.18
5.3
205.7

Business Description

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 33 states, primarily in the Midwest and West, and is represented by 950 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.
Company Website
SEC Reports
Industry: Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY
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