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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
98% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.25 vs. UFCS: No Debt )
UFCS' s 10-Year Cash to Debt Range
Min: 3.21   Max: No Debt
Current: No Debt

Equity to Asset 0.21
UFCS's Equity to Asset is ranked higher than
65% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.24 vs. UFCS: 0.21 )
UFCS' s 10-Year Equity to Asset Range
Min: 0.15   Max: 1
Current: 0.21

0.15
1
Interest Coverage 2.90
UFCS's Interest Coverage is ranked lower than
51% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.35 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: 5
Z-Score: 0.63
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 (%) 11.62
UFCS's Operating margin (%) is ranked higher than
73% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. UFCS: 11.62 )
UFCS' s 10-Year Operating margin (%) Range
Min: -5.51   Max: 24.95
Current: 11.62

-5.51
24.95
Net-margin (%) 8.68
UFCS's Net-margin (%) is ranked higher than
73% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.52 vs. UFCS: 8.68 )
UFCS' s 10-Year Net-margin (%) Range
Min: -2.17   Max: 17.45
Current: 8.68

-2.17
17.45
ROE (%) 9.73
UFCS's ROE (%) is ranked higher than
72% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.24 vs. UFCS: 9.73 )
UFCS' s 10-Year ROE (%) Range
Min: -2.04   Max: 17.43
Current: 9.73

-2.04
17.43
ROA (%) 2.05
UFCS's ROA (%) is ranked higher than
68% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.60 vs. UFCS: 2.05 )
UFCS' s 10-Year ROA (%) Range
Min: -0.49   Max: 4.04
Current: 2.05

-0.49
4.04
ROC (Joel Greenblatt) (%) 215.81
UFCS's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 149 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 179.00 vs. UFCS: 215.81 )
UFCS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -216.93   Max: 1476.13
Current: 215.81

-216.93
1476.13
Revenue Growth (%) 15.50
UFCS's Revenue Growth (%) is ranked higher than
89% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. UFCS: 15.50 )
UFCS' s 10-Year Revenue Growth (%) Range
Min: -8.5   Max: 15.5
Current: 15.5

-8.5
15.5
EBITDA Growth (%) 10.80
UFCS's EBITDA Growth (%) is ranked higher than
74% of the 154 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. UFCS: 10.80 )
UFCS' s 10-Year EBITDA Growth (%) Range
Min: -55   Max: 86.4
Current: 10.8

-55
86.4
EPS Growth (%) 18.50
UFCS's EPS Growth (%) is ranked higher than
83% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. UFCS: 18.50 )
UFCS' s 10-Year EPS Growth (%) Range
Min: -100   Max: 48.7
Current: 18.5

-100
48.7
» UFCS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

UFCS Guru Trades in Q1 2013

Jim Simons 9,300 sh (New)
Steven Cohen Sold Out
Diamond Hill Capital Sold Out
Chuck Royce 142,177 sh (-32%)
» More
Q2 2013

UFCS Guru Trades in Q2 2013

Chuck Royce 143,677 sh (+1.06%)
Jim Simons 9,283 sh (-0.18%)
» More
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
» Details

Insider Trades

Latest Guru Trades with UFCS



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.60
UFCS's P/E(ttm) is ranked higher than
75% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.30 vs. UFCS: 9.60 )
UFCS' s 10-Year P/E(ttm) Range
Min: 6.97   Max: 10465
Current: 9.6

6.97
10465
P/B 0.90
UFCS's P/B is ranked higher than
83% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. UFCS: 0.90 )
UFCS' s 10-Year P/B Range
Min: 0.58   Max: 2.16
Current: 0.9

0.58
2.16
P/S 0.83
UFCS's P/S is ranked higher than
73% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. UFCS: 0.83 )
UFCS' s 10-Year P/S Range
Min: 0.55   Max: 1.84
Current: 0.83

0.55
1.84
PFCF 4.60
UFCS's PFCF is ranked higher than
81% of the 154 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.50 vs. UFCS: 4.60 )
UFCS' s 10-Year PFCF Range
Min: 3.11   Max: 57.37
Current: 4.6

3.11
57.37
EV-to-EBIT 7.30
UFCS's EV-to-EBIT is ranked higher than
83% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.50 vs. UFCS: 7.30 )
UFCS' s 10-Year EV-to-EBIT Range
Min: 1.5   Max: 97.7
Current: 7.3

1.5
97.7
PEG 0.20
UFCS's PEG is ranked higher than
93% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. UFCS: 0.20 )
UFCS' s 10-Year PEG Range
Min: 0.16   Max: 1.91
Current: 0.2

0.16
1.91
Shiller P/E 31.10
UFCS's Shiller P/E is ranked lower than
79% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.90 vs. UFCS: 31.10 )
UFCS' s 10-Year Shiller P/E Range
Min: 6.05   Max: 36.22
Current: 31.1

6.05
36.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.50
UFCS's Dividend Yield is ranked higher than
53% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.51 vs. UFCS: 2.50 )
UFCS' s 10-Year Dividend Yield Range
Min: 1   Max: 3.91
Current: 2.5

1
3.91
Dividend Payout 0.23
UFCS's Dividend Payout is ranked higher than
71% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. UFCS: 0.23 )
UFCS' s 10-Year Dividend Payout Range
Min: 0.13   Max: 2.18
Current: 0.23

0.13
2.18
Dividend growth (3y) 4.80
UFCS's Dividend growth (3y) is ranked higher than
66% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 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) 2.98
UFCS's Yield on cost (5-Year) is ranked lower than
53% of the 152 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.14 vs. UFCS: 2.98 )
UFCS' s 10-Year Yield on cost (5-Year) Range
Min: 1.15   Max: 4.49
Current: 2.98

1.15
4.49
Share Buyback Rate 1.30
UFCS's Share Buyback Rate is ranked higher than
79% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.10 vs. UFCS: 1.30 )
UFCS' s 10-Year Share Buyback Rate Range
Min: 2.2   Max: -11.1
Current: 1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
UFCS's Price/Tangible Book is ranked higher than
77% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. UFCS: 1.00 )
UFCS' s 10-Year Price/Tangible Book Range
Min: 0.12   Max: 1.91
Current: 1

0.12
1.91
Price/DCF (Projected) 0.50
UFCS's Price/DCF (Projected) is ranked higher than
68% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. UFCS: 0.50 )
UFCS' s 10-Year Price/DCF (Projected) Range
Min: 0.11   Max: 0.87
Current: 0.5

0.11
0.87
Price/Median PS Value 0.90
UFCS's Price/Median PS Value is ranked higher than
74% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. UFCS: 0.90 )
UFCS' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 1.64
Current: 0.9

0.51
1.64
Price/Graham Number 0.60
UFCS's Price/Graham Number is ranked higher than
86% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. UFCS: 0.60 )
UFCS' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 40.36
Current: 0.6

0.26
40.36
Earnings Yield (Greenblatt) 13.70
UFCS's Earnings Yield (Greenblatt) is ranked higher than
85% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. UFCS: 13.70 )
UFCS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 68.3
Current: 13.7

1
68.3
Forward Rate of Return (Yacktman) 5.64
UFCS's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.76 vs. UFCS: 5.64 )
UFCS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.4   Max: 71.8
Current: 5.64

-5.4
71.8

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.

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