Switch to:

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 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 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
65% of the 138 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: 0.22 Max: 1
Current: 0.23
0.14
1
Interest Coverage 11.59
UFCS's Interest Coverage is ranked lower than
65% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 34.80 vs. UFCS: 11.59 )
Ranked among companies with meaningful Interest Coverage only.
UFCS' s Interest Coverage Range Over the Past 10 Years
Min: 1.11  Med: 2.9 Max: 11.59
Current: 11.59
1.11
11.59
WACC vs ROIC
5.21%
5.72%
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 : 5/10

vs
industry
vs
history
Operating Margin % 4.76
UFCS's Operating Margin % is ranked lower than
72% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. UFCS: 4.76 )
Ranked among companies with meaningful Operating Margin % only.
UFCS' s Operating Margin % Range Over the Past 10 Years
Min: -5.51  Med: 6.9 Max: 24.95
Current: 4.76
-5.51
24.95
Net Margin % 4.11
UFCS's Net Margin % is ranked lower than
67% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.61 vs. UFCS: 4.11 )
Ranked among companies with meaningful Net Margin % only.
UFCS' s Net Margin % Range Over the Past 10 Years
Min: -2.17  Med: 6.28 Max: 17.45
Current: 4.11
-2.17
17.45
ROE % 4.99
UFCS's ROE % is ranked lower than
72% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. UFCS: 4.99 )
Ranked among companies with meaningful ROE % only.
UFCS' s ROE % Range Over the Past 10 Years
Min: -1.88  Med: 6.84 Max: 15.55
Current: 4.99
-1.88
15.55
ROA % 1.17
UFCS's ROA % is ranked lower than
74% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. UFCS: 1.17 )
Ranked among companies with meaningful ROA % only.
UFCS' s ROA % Range Over the Past 10 Years
Min: -0.48  Med: 1.56 Max: 4.02
Current: 1.17
-0.48
4.02
3-Year Revenue Growth Rate 8.60
UFCS's 3-Year Revenue Growth Rate is ranked higher than
66% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.10 vs. UFCS: 8.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UFCS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -6.9  Med: 8.6 Max: 15.3
Current: 8.6
-6.9
15.3
3-Year EBITDA Growth Rate -16.20
UFCS's 3-Year EBITDA Growth Rate is ranked lower than
80% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.80 vs. UFCS: -16.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UFCS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.4 Max: 84.1
Current: -16.2
0
84.1
3-Year EPS without NRI Growth Rate -13.50
UFCS's 3-Year EPS without NRI Growth Rate is ranked lower than
77% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.90 vs. UFCS: -13.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UFCS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.25 Max: 160.8
Current: -13.5
0
160.8
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UFCS's 30-Y Financials

Financials (Next Earnings Date: 2017-10-11 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NYSE:MBI, NAS:AMSF, NYSE:STC, NAS:STFC, NAS:IPCC, NAS:JRVR, NAS:SAFT, NYSE:UVE, NAS:KNSL, NAS:SNC, NAS:GBLI, NAS:NMIH, NAS:UIHC, NAS:NATL, NAS:NAVG, NAS:EMCI, NYSE:HCI, NAS:AGII, NAS:DGICB, NAS:NODK » details
Headquarter Location:USA
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
PE Ratio 24.11
UFCS's PE Ratio is ranked lower than
77% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. UFCS: 24.11 )
Ranked among companies with meaningful PE Ratio only.
UFCS' s PE Ratio Range Over the Past 10 Years
Min: 6.97  Med: 12.57 Max: 234.75
Current: 24.11
6.97
234.75
PE Ratio without NRI 24.11
UFCS's PE Ratio without NRI is ranked lower than
77% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.65 vs. UFCS: 24.11 )
Ranked among companies with meaningful PE Ratio without NRI only.
UFCS' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.97  Med: 12.57 Max: 234.75
Current: 24.11
6.97
234.75
Price-to-Owner-Earnings 5.61
UFCS's Price-to-Owner-Earnings is ranked higher than
87% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.58 vs. UFCS: 5.61 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UFCS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.54  Med: 7.72 Max: 35.21
Current: 5.61
4.54
35.21
PB Ratio 1.15
UFCS's PB Ratio is ranked higher than
57% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. UFCS: 1.15 )
Ranked among companies with meaningful PB Ratio only.
UFCS' s PB Ratio Range Over the Past 10 Years
Min: 0.58  Med: 0.93 Max: 1.56
Current: 1.15
0.58
1.56
PS Ratio 0.99
UFCS's PS Ratio is ranked higher than
59% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. UFCS: 0.99 )
Ranked among companies with meaningful PS Ratio only.
UFCS' s PS Ratio Range Over the Past 10 Years
Min: 0.55  Med: 0.9 Max: 1.85
Current: 0.99
0.55
1.85
Price-to-Free-Cash-Flow 5.46
UFCS's Price-to-Free-Cash-Flow is ranked higher than
84% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.83 vs. UFCS: 5.46 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UFCS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.15  Med: 5.65 Max: 57.51
Current: 5.46
3.15
57.51
Price-to-Operating-Cash-Flow 5.26
UFCS's Price-to-Operating-Cash-Flow is ranked higher than
85% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.68 vs. UFCS: 5.26 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UFCS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.09  Med: 5.59 Max: 27.72
Current: 5.26
3.09
27.72
EV-to-EBIT 12.74
UFCS's EV-to-EBIT is ranked lower than
59% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.52 vs. UFCS: 12.74 )
Ranked among companies with meaningful EV-to-EBIT only.
UFCS' s EV-to-EBIT Range Over the Past 10 Years
Min: -87.4  Med: 5.8 Max: 96
Current: 12.74
-87.4
96
EV-to-EBITDA 11.89
UFCS's EV-to-EBITDA is ranked lower than
62% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.49 vs. UFCS: 11.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
UFCS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -155.7  Med: 5.4 Max: 63.5
Current: 11.89
-155.7
63.5
PEG Ratio 1.39
UFCS's PEG Ratio is ranked lower than
63% of the 60 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. UFCS: 1.39 )
Ranked among companies with meaningful PEG Ratio only.
UFCS' s PEG Ratio Range Over the Past 10 Years
Min: 0.44  Med: 0.73 Max: 26.38
Current: 1.39
0.44
26.38
Shiller PE Ratio 24.63
UFCS's Shiller PE Ratio is ranked lower than
88% of the 59 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.56 vs. UFCS: 24.63 )
Ranked among companies with meaningful Shiller PE Ratio only.
UFCS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.84  Med: 15.56 Max: 27.42
Current: 24.63
7.84
27.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.32
UFCS's Dividend Yield % is ranked lower than
65% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. UFCS: 2.32 )
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: 2.32
1.27
3.91
Dividend Payout Ratio 0.55
UFCS's Dividend Payout Ratio is ranked lower than
70% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.37 vs. UFCS: 0.55 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UFCS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.33 Max: 0.55
Current: 0.55
0.14
0.55
3-Year Dividend Growth Rate 12.00
UFCS's 3-Year Dividend Growth Rate is ranked higher than
60% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. UFCS: 12.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UFCS' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -4.6  Med: 7.7 Max: 14.7
Current: 12
-4.6
14.7
Forward Dividend Yield % 2.58
UFCS's Forward Dividend Yield % is ranked lower than
57% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. UFCS: 2.58 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.89
UFCS's 5-Year Yield-on-Cost % is ranked lower than
76% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.51 vs. UFCS: 3.89 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UFCS' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.13  Med: 4.16 Max: 6.56
Current: 3.89
2.13
6.56
3-Year Average Share Buyback Ratio -0.10
UFCS's 3-Year Average Share Buyback Ratio is ranked higher than
56% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 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: 0.3 Max: 2.3
Current: -0.1
-11.3
2.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.20
UFCS's Price-to-Tangible-Book is ranked higher than
64% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. UFCS: 1.20 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UFCS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.12  Med: 1.14 Max: 1.91
Current: 1.2
0.12
1.91
Price-to-Intrinsic-Value-Projected-FCF 0.47
UFCS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
79% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. UFCS: 0.47 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UFCS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.11  Med: 0.48 Max: 0.89
Current: 0.47
0.11
0.89
Price-to-Median-PS-Value 1.10
UFCS's Price-to-Median-PS-Value is ranked lower than
53% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. UFCS: 1.10 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UFCS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.44  Med: 0.94 Max: 1.88
Current: 1.1
0.44
1.88
Price-to-Peter-Lynch-Fair-Value 3.68
UFCS's Price-to-Peter-Lynch-Fair-Value is ranked lower than
91% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. UFCS: 3.68 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UFCS' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.32  Med: 0.63 Max: 10.78
Current: 3.68
0.32
10.78
Price-to-Graham-Number 1.13
UFCS's Price-to-Graham-Number is ranked lower than
55% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. UFCS: 1.13 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UFCS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.26  Med: 0.76 Max: 4.78
Current: 1.13
0.26
4.78
Earnings Yield (Greenblatt) % 7.88
UFCS's Earnings Yield (Greenblatt) % is ranked lower than
53% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. UFCS: 7.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UFCS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -8.8  Med: 16.1 Max: 43.6
Current: 7.88
-8.8
43.6
Forward Rate of Return (Yacktman) % 21.71
UFCS's Forward Rate of Return (Yacktman) % is ranked higher than
57% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.64 vs. UFCS: 21.71 )
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: -5.7  Med: 12 Max: 40
Current: 21.71
-5.7
40

More Statistics

Revenue (TTM) (Mil) $1,154.32
EPS (TTM) $ 1.83
Beta0.51
Short Percentage of Float0.53%
52-Week Range $37.54 - 50.75
Shares Outstanding (Mil)25.21
» More Articles for UFCS

Headlines

Articles On GuruFocus.com
STORE Capital: Thank You, Warren Buffett Jun 28 2017 
Test2 Jun 28 2017 
US Market Indexes Higher on Wednesday Jun 28 2017 
Test Jun 28 2017 
British Pound Moving Higher Against US Dollar Jun 28 2017 
Bain Capital's Offer to Buy German Stada Falls Through Jun 28 2017 
Test Jun 28 2017 
Growing Competition Will Continue to Hurt Fitbit Jun 28 2017 
Rich Cigars Debuts in the OTC Pink Sheets Market Jun 28 2017 
Some More Timeless Advice From the Intelligent Investor Jun 28 2017 

More From Other Websites
United Fire Group, Inc. breached its 50 day moving average in a Bearish Manner : UFCS-US : June 23,... Jun 23 2017
Iowa Insurance Companies to Host Des Moines Insurance Conference June 22 Jun 15 2017
United Fire Group, Inc. : UFCS-US: Dividend Analysis : June 01st, 2017 (record date) : By the... May 31 2017
United Fire Group, Inc. – Value Analysis (NASDAQ:UFCS) : May 22, 2017 May 22 2017
United Fire Group, Inc. Reports on Annual Meeting of Shareholders May 19 2017
United Fire Group, Inc. breached its 50 day moving average in a Bullish Manner : UFCS-US : May 19,... May 19 2017
United Fire Group (UFCS) Increases Dividend Payout by 12% May 18 2017
United Fire Group, Inc. Approves a Dividend Increase and Declares a Common Stock Quarterly Cash... May 17 2017
United Fire Group, Inc. breached its 50 day moving average in a Bearish Manner : UFCS-US : May 8,... May 08 2017
Edited Transcript of UFCS earnings conference call or presentation 3-May-17 2:00pm GMT May 04 2017
Investor Network: United Fire Group, Inc. to Host Earnings Call May 03 2017
United Fire posts 1Q profit May 03 2017
United Fire Group, Inc. Reports First Quarter 2017 Results May 03 2017
United Fire Group, Inc. breached its 50 day moving average in a Bullish Manner : UFCS-US : April 25,... Apr 25 2017
United Fire Group, Inc. Announces Its 2017 First Quarter Earnings Call Apr 07 2017
United Fire Group, Inc. :UFCS-US: Earnings Analysis: Q4, 2016 By the Numbers : February 22, 2017 Feb 22 2017
Edited Transcript of UFCS earnings conference call or presentation 16-Feb-17 3:00pm GMT Feb 16 2017

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

GF Chat

{{numOfNotice}}