United Fire Group Inc
UFCS Nasdaq· Fire, Marine & Casualty Insurance
Last close · Oct 27, 2026
$57.20
KIRA · Stoqly’s AI analyst, in plain words
- United Fire Group Inc had $1.4B of revenue in fiscal 2025, up 10.6% on the year before. Over five years, revenue changed +5.3% a year on average.
- United Fire Group Inc made $118M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.8% a year.
- United Fire Group Inc returned $16.3M to shareholders in fiscal 2025. The diluted share count rose 1.7%.
- United Fire Group Inc has $10.1M more cash than debt.
Market cap
$1.5B
P/E
10.6x
Revenue
$1.4B
Net income
$118M
Free cash flow
—
Operating margin
—
United Fire Group Inc in 30 seconds · fiscal 2025
Are sales growing?
+10.6%
Yes. Sales grew 10.6% last year.
Does it make a profit?
8.5%
A little. It keeps 8.5% of every sale as profit.
How is the share priced?
10.6x
One share costs 10.6 times its yearly profit per share.
What United Fire Group Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- UNITED FIRE GROUP INC
- CIK
- 0000101199
United Fire Group Inc · UFCS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.1B | $980M | $1.1B | $1.3B | $1.4B |
| Revenue growth | −0.2% | −8.1% | 11.7% | 14.4% | 10.6% |
| Net income | $80.6M | $15.0M | −$29.7M | $62.0M | $118M |
| Net margin | 7.6% | 1.5% | −2.7% | 4.9% | 8.5% |
| Diluted EPS | — | $0.59 | −$1.18 | $2.39 | $4.48 |
| Cash | |||||
| Cash from operations | $29.9M | −$1.3M | $172M | $340M | $270M |
| Dividends paid | $15.1M | $15.9M | $16.2M | $16.2M | $16.3M |
| Share buybacks | $2.0M | $0.0M | $0.0M | — | — |
| Share count change | 2.0% | −0.8% | −0.3% | 2.6% | 1.7% |
| Debt and strength | |||||
| Cash and short-term investments | $132M | $96.7M | $102M | $201M | $156M |
| Debt incl. finance leases | — | — | — | — | $146M |
| Loans, net | $47.1M | $37.9M | $45.4M | $40.9M | $30.8M |
| Shareholders' equity | $879M | $740M | $734M | $782M | $941M |
| Returns and quality | |||||
| Return on equity | 9.5% | 1.9% | −4.0% | 8.2% | 13.7% |
| Return on tangible equity | 9.2% | 2.0% | −4.1% | 8.0% | 12.6% |
Insiders bought, 12 months
$0.2M
1 insider
Insiders sold, 12 months
$1.2M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
United Fire Group Inc · UFCS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $57.20 a share, the company is worth $1.5B: 10.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000101199). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.