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    United Fire Group Inc (UFCS)

    Official site

    FINANCIAL SERVICES • INSURANCE - PROPERTY & CASUALTY • NASDAQ

    $55.40
    -0.08 (-0.14%)

    Market Cap: $1.43B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    67%(26/39)
    Avg Surprise
    -184.08%
    Streak
    8 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.19
    Range$1.19 - $1.19
    2 analysts
    EPS Revisions
    1
    0
    7d
    1
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$1.26-5.6%
    60d ago$1.31-9.5%
    30d ago$1.31-9.5%
    7d ago$1.31-9.5%
    Current$1.19
    Revenue Consensus
    $414M
    Range$389M - $438M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$2.27
    Range$2.27 - $2.29
    2 analysts
    Revenue Consensus
    $442M
    Range$383M - $501M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$2.27---
    Sep 26EST
    		-$1.19---
    Jun 26
    Reported Aug 3
    		$1.30$0.70+85.71%Beat+44.4%
    Mar 26
    Reported May 5
    		$1.15$0.79+45.57%Beat+64.3%
    Dec 25
    Reported Feb 10
    		$1.50$0.91+64.84%Beat+20.0%
    Sep 25
    Reported Nov 4
    		$1.50$0.72+108.33%Beat+85.2%
    Jun 25
    Reported Aug 5
    		$0.90$0.56+60.71%Beat+1385.7%
    Mar 25
    Reported May 6
    		$0.70$0.61+14.75%Beat+25.0%
    Dec 24
    Reported Feb 11
    		$1.25$0.66+89.39%Beat+92.3%
    Sep 24
    Reported Nov 5
    		$0.81$0.21+285.71%Beat+161.3%
    Jun 24
    Reported Aug 6
    		$-0.07$-0.04-75.00%Miss+96.9%
    Mar 24
    Reported May 7
    		$0.56$0.55+1.82%Beat+600.0%
    Dec 23
    Reported Feb 13
    		$0.65$0.53+22.64%Beat+261.1%
    Sep 23
    Reported Nov 1
    		$0.31$-0.16+293.75%Beat+166.0%
    Jun 23
    Reported Aug 7
    		$-2.27$-2.27+0.00%Beat-1045.8%
    Mar 23
    Reported May 8
    		$0.08N/A-84.91%Miss-92.9%
    Dec 22
    Reported Feb 15
    		$0.18$0.36-50.00%Miss-89.3%
    Sep 22
    Reported Nov 2
    		$-0.47$-0.48+2.08%Beat-51.6%
    Jun 22
    Reported Aug 4
    		$0.24N/A-51.02%Miss-31.4%
    Mar 22
    Reported May 5
    		$1.13$0.94+20.21%Beat+3866.7%
    Dec 21
    Reported Feb 15
    		$1.69$0.51+231.37%Beat+230.0%
    Sep 21
    Reported Nov 4
    		$-0.31$-0.31+0.00%Beat+77.4%
    Jun 21
    Reported Aug 4
    		$0.35$-0.05+800.00%Beat+234.6%
    Mar 21
    Reported May 5
    		$-0.03N/A-133.33%Miss-160.0%
    Dec 20
    Reported Feb 17
    		$-1.30$-1.30+0.00%Beat-25.0%
    Sep 20
    Reported Nov 4
    		$-1.37$-1.55+11.61%Beat-242.5%
    Jun 20
    Reported Aug 5
    		$-0.26$-0.27+3.70%Beat+55.9%
    Mar 20
    Reported May 6
    		$0.05$0.08-37.50%Miss-94.5%
    Dec 19
    Reported Feb 18
    		$-1.04$-1.15+9.57%Beat-246.7%
    Sep 19
    Reported Nov 6
    		$-0.40$-0.03-1233.33%Miss-192.6%
    Jun 19
    Reported Aug 7
    		$-0.59$0.01-6000.00%Miss-1866.7%
    Mar 19
    Reported May 8
    		$0.91$0.70+30.00%Beat-9.0%
    Dec 18
    Reported Feb 20
    		$-0.30$0.02-1600.00%Miss-132.6%
    Sep 18
    Reported Nov 7
    		$0.43$0.31+39.35%Beat+159.2%
    Jun 18
    Reported Aug 8
    		$-0.03N/A-113.04%Miss-160.0%
    Mar 18
    Reported May 9
    		$1.00$0.94+6.38%Beat+29.9%
    Dec 17
    Reported Feb 14
    		$0.92$0.47+95.74%Beat+100.0%
    Sep 17
    Reported Nov 8
    		$-0.73$-0.72-1.39%Miss-
    Jun 17
    Reported Aug 2
    		$0.05N/A-77.27%Miss-
    Mar 17
    Reported May 3
    		$0.77$0.75+2.67%Beat-
    Dec 16
    Reported Feb 16
    		$0.46$0.89-48.31%Miss-

    Dividends

    Dividend Metrics

    Forward Yield1.44%
    Forward Annual Dividend$0.80
    Payout Ratio13.84%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.53%
    5Y CAGR-10.90%
    UFCS dividend history and ex-dividend datesRun UFCS in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.17EV/EBITDA7.09x
    Price/FCF5.30xFCF Yield18.87%
    Profitability
    Profit Margin9.57%Operating Margin11.80%
    ROE15.50%ROIC13.44%
    Financial Health
    Debt/Equity0.15xInterest Coverage14.96x
    Current Ratio1.34xQuick Ratio1.34x
    Trading Statistics
    Beta0.47Avg Volume133.08K
    52-Week High$56.9852-Week Low$29.32

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$55.34
    SMA 20$54.43
    SMA 50$54.23
    SMA 200$45.23
    EMA 10$55.23
    EMA 20$54.83
    EMA 50$53.82
    EMA 200$46.64

    MACD

    Line: 0.48Signal: 0.36Hist: 0.12

    ADX

    ADX: 17.1+DI: 19.1-DI: 21.8

    Aroon & PSAR

    Aroon Up92.0
    Aroon Down36.0
    PSAR$53.34

    Bollinger Bands

    Upper Band$56.56
    Lower Band$52.31
    %B Position781%(Upper)
    Band Width0.73

    RSI (14-Day)

    Neutral
    55.9

    Momentum Oscillators

    Stoch %K72.4
    Stoch %D77.9
    Williams %R-30.6
    ROC (10d)2.7%
    Momentum1.46
    CCI (20d)104.9
    MFI (14d)63.6

    Volatility Measures

    ATR (14d)$1.69(3.1%)
    StdDev (20d)1.06
    Hist Vol19.5%(Low)

    Volume Flow

    VWAP$55.77
    OBV5.3M
    AD Line-22.8M
    CMF (20d)0.242

    Volume Metrics

    Avg Vol (20d)134.1K
    Vol Ratio0.9x
    VWMA (20d)$54.41

    Pivot Points

    R3$57.21
    R2$56.53
    R1$56.01
    Pivot Point$55.33
    S1$54.80
    S2$54.12
    S3$53.59

    Advanced Oscillators

    TSI12.84
    Ultimate Osc57.8
    KST17.28

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$384.15M$369.70M$367.47M$354.42M$336.48M$331.87M$334.49M$324.64M$302.40M$297.20M$285.21M$275.92M
    Cost of Revenue$1.12M$514,000$-9,000$407,000$335,000$142,000$419,000$481,000$152,000$1.05M$-174,427,000$179,000
    Gross Profit$383.03M$369.18M$367.48M$354.02M$336.14M$331.73M$334.07M$324.16M$302.25M$296.15M$459.64M$275.74M
    Operating Expenses$337.47M$327.73M$314.43M$301.82M$303.45M$306.64M$290.73M$295.03M$303.33M$277.80M$436.75M$264.60M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating Income$45.56M$41.45M$53.05M$52.20M$32.69M$25.09M$43.34M$29.14M$-1,081,000$18.34M$22.89M$11.13M
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$3.19M$3.18M$3.18M$3.12M$2.48M$2.48M$2.48M$2.48M$1.46M$859,000$869,000$797,000
    Income Before Tax$41.94M$38.01M$48.20M$48.68M$29.20M$21.85M$39.55M$24.98M$-3,770,000$16.28M$24.13M$8.38M
    Income Tax Expense$8.58M$7.96M$9.85M$9.49M$6.25M$4.15M$8.10M$5.23M$-1,035,000$2.78M$4.52M$2.00M
    Net Income$33.37M$30.05M$38.35M$39.19M$22.95M$17.70M$31.44M$19.75M$-2,735,000$13.50M$19.61M$6.38M
    EBITDA$47.70M$44.34M$54.75M$54.96M$34.72M$27.09M$45.16M$30.86M$2.25M$21.48M$27.41M$13.58M
    EBIT$45.13M$41.20M$51.39M$51.79M$31.69M$24.34M$42.03M$27.46M$-2,310,000$17.14M$22.89M$9.17M
    * Some calculated fields are derived from available data when not provided by source

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    News

    United Fire Group, Inc (UFCS) Stock Forecasts

    The article is a stub from Yahoo Finance, titled "United Fire Group, Inc (UFCS) Stock Forecasts." However, the main content appears to be an error message indicating that something went wrong during data retrieval. It...

    Yahoo! Finance Canada•10/15/26•Neutral

    AM Best affirms United Fire Group ratings. November 3 matters for United Fire Group stock

    AM Best has affirmed the A- financial strength ratings for United Fire Group's property and casualty subsidiaries. The company is set to report its third-quarter results on November 3, 2026...

    ad-hoc-news.de•10/15/26•Somewhat-Bullish

    United Fire Group stock hits 52-week high at 56.98 USD

    United Fire Group (UFCS) stock reached a 52-week high of $56.98, reflecting an 81.24% increase over the past year, driven by strong investor confidence. Despite appearing overvalued according to InvestingPro...

    Investing.com•10/13/26•Bullish

    United Fire Group stock hits 52-week high at 56.98 USD

    United Fire Group Inc. (UFCS) stock reached a 52-week high of $56.98, reflecting an 81.24% increase over the past year. Despite appearing overvalued by InvestingPro analysis...

    Investing.com Canada•10/13/26•Bullish

    United Fire Group stock heads toward November 3 results after Q2 beat

    United Fire Group's stock is heading towards its Q3 results on November 3, buoyed by a strong Q2 performance where diluted EPS significantly beat consensus estimates. The insurance group reported robust revenue and net...

    AD HOC NEWS•10/6/26•Somewhat-Bullish

    UFCS Valuation and Fair Value

    P/E
    10.2x
    Forward P/E
    14.1x
    EV/EBITDA
    7.1x
    P/FCF
    5.3x
    PEG
    1.4x
    P/B
    1.5x
    See GNG's fair value

    UFCS Profitability: Margins, ROIC and FCF

    Gross margin
    99.9%
    Operating margin
    11.8%
    Net margin
    9.6%
    ROIC
    13.4%
    ROE
    15.5%
    FCF margin
    18.2%
    FCF yield
    18.9%

    UFCS Competitors

    CompanyTicker
    BlackRock Capital Allocation TrustBCAT
    Lakeland Financial CorporationLKFN
    Esquire Financial Holdings IncESQ
    Bitfarms LtdBITF
    Triumph Financial, Inc.TFIN
    BlackRock ESG Capital Allocation TrustECAT
    Capital Southwest CorporationCSWC
    Tompkins Financial CorporationTMP

    Sector: Financial Services

    UFCS Bull Case vs Bear Case

    Bull case

    • UFCS converts 18.2% of revenue into free cash flow.
    • UFCS beat EPS estimates in 100.0% of its last 8 reported quarters.
    • UFCS grew quarterly revenue 14.4% year over year.

    UFCS Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    94.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.19
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 1 down

    UFCS Dividend

    Forward yield
    1.4%
    Payout ratio
    13.8%
    3Y DPS growth
    0.5%
    5Y DPS growth
    -10.9%
    Pay months
    Mar, Jun, Sep, Dec
    UFCS dividend history

    Frequently Asked Questions About UFCS

    What is UFCS's current dividend yield?

    United Fire Group Inc (UFCS) has a forward dividend yield of 1.44%.

    Does UFCS pay dividends?

    Yes, United Fire Group Inc pays dividends with a forward dividend yield of 1.44%.

    What is UFCS's P/E ratio?

    United Fire Group Inc has a price-to-earnings (P/E) ratio of 10.17.

    What is UFCS's market cap?

    United Fire Group Inc (UFCS) has a market capitalization of $1.43B with a current stock price of $55.40.

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