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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
87% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. UFCS: No Debt )
UFCS' s 10-Year Cash to Debt Range
Min: 1.64   Max: No Debt
Current: No Debt

Equity to Asset 0.21
UFCS's Equity to Asset is ranked higher than
64% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. UFCS: 0.21 )
UFCS' s 10-Year Equity to Asset Range
Min: 0.14   Max: 1
Current: 0.21

0.14
1
Interest Coverage 2.90
UFCS's Interest Coverage is ranked higher than
51% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 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: 7
Z-Score: 0.64
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 : 8/10

vs
industry
vs
history
Operating margin (%) 6.89
UFCS's Operating margin (%) is ranked higher than
67% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. UFCS: 6.89 )
UFCS' s 10-Year Operating margin (%) Range
Min: -5.51   Max: 24.95
Current: 6.89

-5.51
24.95
Net-margin (%) 5.53
UFCS's Net-margin (%) is ranked higher than
66% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. UFCS: 5.53 )
UFCS' s 10-Year Net-margin (%) Range
Min: -2.17   Max: 17.45
Current: 5.53

-2.17
17.45
ROE (%) 6.41
UFCS's ROE (%) is ranked higher than
63% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. UFCS: 6.41 )
UFCS' s 10-Year ROE (%) Range
Min: -1.88   Max: 17.68
Current: 6.41

-1.88
17.68
ROA (%) 1.35
UFCS's ROA (%) is ranked higher than
62% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. UFCS: 1.35 )
UFCS' s 10-Year ROA (%) Range
Min: -0.48   Max: 4.02
Current: 1.35

-0.48
4.02
ROC (Joel Greenblatt) (%) 134.53
UFCS's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 170 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 288.43 vs. UFCS: 134.53 )
UFCS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -254.22   Max: 1358.52
Current: 134.53

-254.22
1358.52
Revenue Growth (3Y)(%) 15.20
UFCS's Revenue Growth (3Y)(%) is ranked higher than
90% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. UFCS: 15.20 )
UFCS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.5   Max: 15.2
Current: 15.2

-8.5
15.2
EBITDA Growth (3Y)(%) 10.50
UFCS's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. UFCS: 10.50 )
UFCS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -55   Max: 86.4
Current: 10.5

-55
86.4
EPS Growth (3Y)(%) 18.10
UFCS's EPS Growth (3Y)(%) is ranked higher than
83% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. UFCS: 18.10 )
UFCS' s 10-Year EPS Growth (3Y)(%) 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

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
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
» 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 Guru 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) 14.50
UFCS's P/E(ttm) is ranked higher than
70% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. UFCS: 14.50 )
UFCS' s 10-Year P/E(ttm) Range
Min: 6.97   Max: 10465
Current: 14.5

6.97
10465
P/B 0.88
UFCS's P/B is ranked higher than
92% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.33 vs. UFCS: 0.88 )
UFCS' s 10-Year P/B Range
Min: 0.58   Max: 2.16
Current: 0.88

0.58
2.16
P/S 0.79
UFCS's P/S is ranked higher than
86% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. UFCS: 0.79 )
UFCS' s 10-Year P/S Range
Min: 0.55   Max: 1.84
Current: 0.79

0.55
1.84
PFCF 6.00
UFCS's PFCF is ranked higher than
87% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.10 vs. UFCS: 6.00 )
UFCS' s 10-Year PFCF Range
Min: 3.15   Max: 57.37
Current: 6

3.15
57.37
EV-to-EBIT 10.08
UFCS's EV-to-EBIT is ranked higher than
71% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.77 vs. UFCS: 10.08 )
UFCS' s 10-Year EV-to-EBIT Range
Min: -92.7   Max: 97.5
Current: 10.08

-92.7
97.5
PEG 0.27
UFCS's PEG is ranked higher than
98% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. UFCS: 0.27 )
UFCS' s 10-Year PEG Range
Min: 0.15   Max: 1.82
Current: 0.27

0.15
1.82
Shiller P/E 26.49
UFCS's Shiller P/E is ranked higher than
70% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.87 vs. UFCS: 26.49 )
UFCS' s 10-Year Shiller P/E Range
Min: 6.05   Max: 36.22
Current: 26.49

6.05
36.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.74
UFCS's Dividend Yield is ranked higher than
54% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.55 vs. UFCS: 2.74 )
UFCS' s 10-Year Dividend Yield Range
Min: 1   Max: 3.91
Current: 2.74

1
3.91
Dividend Payout 0.38
UFCS's Dividend Payout is ranked higher than
72% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. UFCS: 0.38 )
UFCS' s 10-Year Dividend Payout Range
Min: 0.09   Max: 20
Current: 0.38

0.09
20
Dividend growth (3y) 4.80
UFCS's Dividend growth (3y) is ranked higher than
72% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.30 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
53% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 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
83% of the 169 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 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.63 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) 0.45
UFCS's Price/DCF (Projected) is ranked higher than
93% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.87 vs. UFCS: 0.45 )
UFCS' s 10-Year Price/DCF (Projected) Range
Min: 0.11   Max: 0.87
Current: 0.45

0.11
0.87
Price/Median PS Value 0.86
UFCS's Price/Median PS Value is ranked higher than
90% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. UFCS: 0.86 )
UFCS' s 10-Year Price/Median PS Value Range
Min: 0.43   Max: 1.84
Current: 0.86

0.43
1.84
Price/Peter Lynch Fair Value 0.58
UFCS's Price/Peter Lynch Fair Value is ranked higher than
95% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. UFCS: 0.58 )
UFCS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.31   Max: 3.23
Current: 0.58

0.31
3.23
Price/Graham Number 0.76
UFCS's Price/Graham Number is ranked higher than
86% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. UFCS: 0.76 )
UFCS' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 40.36
Current: 0.76

0.26
40.36
Earnings Yield (Greenblatt) 9.90
UFCS's Earnings Yield (Greenblatt) is ranked higher than
70% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. UFCS: 9.90 )
UFCS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 63.7
Current: 9.9

1
63.7
Forward Rate of Return (Yacktman) 37.35
UFCS's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.44 vs. UFCS: 37.35 )
UFCS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.5   Max: 76.8
Current: 37.35

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 

More From Other Websites
UNITED FIRE GROUP INC Files SEC form 8-K, Other Events Nov 21 2014
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Q3 2014 United Fire Group Inc Earnings Release - Before Market Open Nov 04 2014
United Fire posts 3Q profit Nov 04 2014
United Fire posts 3Q profit Nov 04 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition Nov 04 2014
United Fire Group, Inc. Reports Third Quarter 2014 Results Nov 04 2014
United Fire Group, Inc. Reports Estimate for Third Quarter 2014 Results Oct 23 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Other Events Oct 23 2014
United Fire Group, Inc. Reports Estimate for Third Quarter 2014 Results Oct 23 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Other Events Oct 01 2014
United Fire Group, Inc. Announces Its 2014 Third Quarter and Year-to-Date Earnings Call Oct 01 2014
UNITED FIRE GROUP INC Files SEC form 8-K, Other Events Aug 28 2014
United Fire Group Authorizes Buyback of 1 Million Shares Aug 19 2014

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