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 10.9, a price-to-book of about 1.3 — 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 $49.34 (-4.2% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

United Fire Group

UFCS · NYSE · Financials · United States

$49.34-4.2%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:28 PM

Snapshot

TickerUFCS

ExchangeNYSE

SectorFinancials

IndustryInsurance - Property & Casualty

CountryUnited States

Employees846

HeadquartersCedar Rapids, United States

Market cap$1.3B

P/E (TTM)11.8

P/B1.3

Volume89.49K

Websitewww.ufginsurance.com

Filings tracked6

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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders17.3%
Institutions69.0%
Public & other13.7%

316 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.13.44%
Dimensional Fund Advisors LP5.81%
Vanguard Capital Management LLC3.77%
State Street Corporation3.19%
Geode Capital Management, LLC2.58%
Systematic Financial Management, L.P.2.39%
American Century Companies Inc2.21%
Vanguard Portfolio Management LLC2.08%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

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 $392.5M · EPS 1.31

Est. earnings growth -12.3%

Next fiscal year

Rev $1.8B · EPS 4.53

Est. earnings growth -0.3%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$25.7952-wk range$54.42

Delayed · as reported by Yahoo Finance

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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

Market cap

$1.3B

Day change

-4.2%

P/E (TTM)

11.8

Fwd P/E

10.9

P/B

1.3

Div yield

1.55%

Beta

0.50

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

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

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
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 — 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

In the news

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