Is United Fire Group (UFCS) overvalued or fairly valued?

MarketChacha shows United Fire Group's valuation in context — a trailing P/E of about 11.8, a forward P/E of about 11.8, a price-to-book of about 1.5 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does United Fire Group's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (5.20×) from reported figures — education, not a rating.

What is United Fire Group's revenue?

United Fire Group reported revenue of $1.4B for FY2025, with net profit of $118.2M, per official filings.

What is the share price of United Fire Group (UFCS)?

United Fire Group last traded at $56.49 (+0.7% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

United Fire Group

UFCS · NYSE · Financials · United States

Snapshot

TickerUFCS

ExchangeNYSE

SectorFinancials

IndustryInsurance - Property & Casualty

CountryUnited States

Employees846

HeadquartersCedar Rapids, United States

Websitewww.ufginsurance.com

Filings tracked21

About United Fire Group

United Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing. The company also offers marine specialty, professional liability, and earthquake coverages; specialty and surplus lines coverage; and reinsurance coverage for property and casualty insurance. It sells its products through a network of independent agencies. United Fire Group, Inc. was incorporated in 1946 and is headquartered in Cedar Rapids, Iowa.

Who owns it

Insiders17.2%
Institutions70.5%
Public & other12.3%

327 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.13.59%
Dimensional Fund Advisors LP5.86%
Vanguard Capital Management LLC3.76%
State Street Corporation3.35%
American Century Companies Inc2.81%
Geode Capital Management, LLC2.76%
Systematic Financial Management, L.P.2.27%
Vanguard Portfolio Management LLC2.17%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion5.20×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend-2.7% → 8.5%

Margin has expanded by about 11.2 points — the business is getting more profitable.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $431.0M · EPS 1.35

Est. earnings growth -10.0%

Next fiscal year

Rev $1.9B · EPS 4.84

Est. earnings growth -3.0%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$1.4B

Net margin

8.5%

ROE

12.6%

Revenue CAGR (2y)

+12.5%

EPS (FY2025)

4.48

Net profit (FY2025)

$118.2M

Ask MarketChacha about UFCS

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$1.4B	$118.2M	4.48	8.5%	12.6%
FY2024	$1.3B	$62.0M	2.39	4.9%	7.9%
FY2023	$1.1B	$-29.7M	-1.18	-2.7%	-4.0%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$383.7M	$33.4M	1.29	8.7%
2026Q1	$369.4M	$30.1M	1.15	8.1%
2025Q3	$354.0M	$39.2M	1.49	11.1%
2025Q2	$335.5M	$22.9M	0.87	6.8%
2025Q1	$331.1M	$17.7M	0.67	5.3%
2024Q3	$323.0M	$19.7M	0.76	6.1%
2024Q2	$301.2M	$-2.7M	-0.11	-0.9%
2024Q1	$296.0M	$13.5M	0.52	4.6%
2023Q3	$274.0M	$6.4M	0.25	2.3%
2023Q2	$267.1M	$-56.4M	-2.23	-21.1%
2023Q1	$267.1M	$694,000	0.03	0.3%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Executive/director change, Reg FD disclosure, Other events, Exhibits
SEC8/21/2026material
10-Q filing
SEC8/4/2026
8-K — Results of operations, Exhibits
SEC8/3/2026material
8-K — Other events
SEC7/17/2026material
8-K — Executive/director change, Exhibits
SEC5/26/2026material
8-K — Shareholder vote results, Reg FD disclosure, Other events, Exhibits
SEC5/20/2026material
10-Q filing
SEC5/6/2026
8-K — Results of operations, Exhibits
SEC5/5/2026material
8-K — Other events, Exhibits
SEC4/21/2026material
10-K filing
SEC2/26/2026
8-K — Results of operations, Other events, Exhibits
SEC2/11/2026material
8-K — Other events, Exhibits
SEC1/26/2026material

2025

8-K — Other events, Exhibits
SEC11/21/2025material
10-Q filing
SEC11/5/2025
8-K — Results of operations, Exhibits
SEC11/4/2025material
8-K — Other events, Exhibits
SEC10/23/2025material
8-K — Executive/director change, Exhibits
SEC8/29/2025material
8-K — Executive/director change, Exhibits
SEC8/19/2025material
8-K — Other events, Exhibits
SEC8/15/2025material
10-Q filing
SEC8/6/2025
8-K — Results of operations, Exhibits
SEC8/5/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.