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United Fire

NSQ:UFCS · US9103401082
InsuranceSmall

360

59
Profit price67
Owner Earnings Yield75
Dividend Yield57
Price/Sales81
EV / Gross Profit25
Price/Book63
Returns on capital59
Profit margins41
Cash Conversion79
Accruals31
Owner Earnings Margin50
Sales growth83
Profit Growth30
Long-Term EPS Growth60
Owner Earnings Growth83
Reinvestment23
Price momentum100
Debt load65
Debt serviceability5
Liquidity48
Analyst ratings86
Opinion Changes88
Price Target Upside22
Market mood5
Value Creation18/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

United Fire generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryInsurance
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1946
Employees1,082
Websiteufginsurance.com
ISINUS9103401082
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
Insurance

Description

United Fire Group, Inc. (‘UFG’), together with its subsidiaries, engages in the business of writing property and casualty insurance through a network of independent agencies. The company’s insurance subsidiaries are currently licensed as property an…

Analysis

Middle-of-the-road

United Fire Group, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 8.9×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is adequate. The company scores 18/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
71
2023202420252026

All-time high

85

Mar 2026

All-time low

6

Nov 2025

Average rank

34

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
81
91
86
83
Price/Earnings
49
52
23
34
Price/Book
63
89
90
87
Dividend Yield
57
60
76
55
Value (overall)
76
99
86
77

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →