Zacks Investment Research·3 days ago
United Fire Group (UFCS) Is Up 8.82% in One Week: What You Should KnowDoes United Fire Group (UFCS) have what it takes to be a top stock pick for momentum investors? Let's find out.
United Fire Group, Inc.(UFCS)Earnings, Financials & Key Ratios
UFCS•NASDAQ•Insurance & Managed Care
$52.79
11.8× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryCommercial lines and surety insurers
AboutUnited Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. The company offers commercial and personal lines of property and casualty insurance; and commercial multiple peril and inland marine insurance, as well as assumed reinsurance products. Its commercial policies include fire and allied lines, other liability, automobile, workers' compensation, and fidelity and surety coverage; and personal lines comprise automobile, and fire and allied lines coverage, including homeowners. The company sells its products through a network of independent agencies. United Fire Group, Inc. was founded in 1946 and is headquartered in Cedar Rapids, Iowa.Show more
- Revenue$1.39B+10.7%
- Combined Ratio89.33%-4.8%
- Net Income$118M+90.8%
- Return on Equity13.72%+67.8%
- Medical Cost Ratio55.14%-32.7%
- Operating Margin10.67%+73.4%
- Net Margin8.52%+72.2%
- ROA3.23%+72.6%
- Equity / Assets24.5%+9.4%
UFCS Price & Volume
United Fire Group, Inc. (UFCS) stock price & volume — 10-year historical chart
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Regional Underwriting Recovery Drives Earnings Growth Momentum
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Robust
Primary Risk:Midwest catastrophe loss volatility
Key Thesis Takeaways
- United Fire Group has demonstrated a robust operational turnaround, evidenced by revenue growth from $290.2 million in 2023Q4 to $369.4 million by 2026Q1, driven by successful rate implementation in core commercial lines.
- While the company has successfully improved its combined ratio from a peak of 101.3% in 2024Q2 to 86.8% by 2025Q4, investors should monitor the ongoing sensitivity to Midwest catastrophe losses and potential reserve development risks.
- The firm's conservative capital structure and consistent cash generation provide a stable foundation, though long-term performance remains contingent on managing social inflation and claims volatility.
Verdict Logic
while the company shows a clear operational recovery with operating income reaching $48.2 million in 2025Q4, the inherent volatility of Midwest catastrophe losses and a 1.47 P/B ratio suggest a balanced risk-reward profile.
UFCS Growth Metrics
United Fire Group, Inc. (UFCS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years4.45%
5 Years5.16%
3 Years11.95%
TTM10.79%
Profit CAGR
10 Years2.86%
5 Years-
3 Years98.85%
TTM97.33%
EPS CAGR
10 Years2.41%
5 Years-
3 Years96.55%
TTM96.05%
Return on Capital
10 Years2.24%
5 Years5.07%
3 Years4.74%
Last Year13.7%
UFCS Recent Earnings
United Fire Group, Inc. (UFCS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$1.16+33.3%
$0.87
Rev
$343M+0.8%
$340M
Q1 2026
Feb 10, 2026Metric
Actual
Est
EPS
$1.50+66.7%
$0.90
Rev
$341M+11.5%
$306M
Q4 2025
Nov 4, 2025Metric
Actual
Est
EPS
$1.50+117.4%
$0.69
Rev
$354M+6.5%
$332M
Q3 2025
Aug 5, 2025Metric
Actual
Est
EPS
$0.90+57.9%
$0.57
Rev
$337M-2.5%
$345M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $1.16vs $0.87+33.3% | $343Mvs $340M+0.8% |
| Q1 2026 | Feb 10, 2026 | $1.50vs $0.90+66.7% | $341Mvs $306M+11.5% |
| Q4 2025 | Nov 4, 2025 | $1.50vs $0.69+117.4% | $354Mvs $332M+6.5% |
| Q3 2025 | Aug 5, 2025 | $0.90vs $0.57+57.9% | $337Mvs $345M-2.5% |
Based on last 12 quarters of dataView full earnings history →
Latest UFCS News
Recent stock market news and headlines for United Fire Group, Inc. (UFCS)
Zacks Investment Research·5 days ago
Should Value Investors Buy United Fire Group (UFCS) Stock?Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Zacks Investment Research·Jun 24, 2026
United Fire Group, Inc (UFCS) Hits Fresh High: Is There Still Room to Run?United Fire (UFCS) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
Seeking Alpha·Jun 17, 2026
United Fire Group: A Cautious Value Recovery Story After Strong Q1 ResultsUnited Fire Group (UFCS) demonstrates real business quality improvement, with Q1 results showing 11.6% revenue growth and 70% net income increase. UFCS's underwriting discipline is evident in a 95.6% combined ratio and a 91.9% base combined ratio, reflecting successful risk assessment and cost control. Valuation remains moderate at 9.6x P/E and 1.3x P/B, offering margin of safety as the market has not fully priced in operational recovery.
Peers Comparison
Key metrics vs top competitors for United Fire Group, Inc. (UFCS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $52.79 | $1.35B | 11.78 | 10.75% | 8.53% | 13.72% | 1.17% | |
| $28.80 | $1.7B | 12.58 | 3.62% | 0.89% | 1.53% | — | |
| $257.13 | $11.88B | 24.21 | 7.17% | 13.2% | 25.03% | — | |
| $15.77 | $322.99M | -31.54 | -12.35% | -1.6% | -1.79% | — | |
| $142.13 | $3.77B | 19.82 | 58.16% | 20.15% | 21.74% | — | |
| $137.64 | $37.85B | 10.33 | 7.1% | 14.13% | 22.01% | — |
Compare UFCS vs Peers
United Fire Group, Inc. (UFCS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UFCS SEC Filings & Documents
United Fire Group, Inc. (UFCS) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 5, 2026·SEC
Material company update
Apr 21, 2026·SEC
Material company update
Feb 11, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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UFCS Frequently Asked Questions
United Fire Group, Inc. (UFCS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is United Fire Group, Inc. growing?
United Fire Group, Inc. (UFCS) grew revenue by 10.7% over the past year. This is steady growth.
Is UFCS profitable?
Yes, United Fire Group, Inc. (UFCS) is profitable, generating $130.5M in net income for fiscal year 2025 (8.5% net margin).
Dividend & Returns
Does UFCS pay dividends?
Yes, United Fire Group, Inc. (UFCS) pays a dividend with a yield of 1.17%. This makes it attractive for income-focused investors.
What is UFCS's return on equity?
United Fire Group, Inc. (UFCS) has a return on equity (ROE) of 13.7%. This is reasonable for most industries.
Industry Metrics
What is United Fire Group, Inc.'s combined ratio?
United Fire Group, Inc. (UFCS) has a combined ratio of 89.3%. A ratio below 100% indicates underwriting profitability.