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Upturn AI SWOT - About
UFCS 
United Fire Group Inc (UFCS)
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Upturn Advisory Summary
11/13/2025: UFCS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $36.5
1 Year Target Price $36.5
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.62% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 946.84M USD | Price to earnings Ratio 8.63 | 1Y Target Price 36.5 |
Price to earnings Ratio 8.63 | 1Y Target Price 36.5 | ||
Volume (30-day avg) 2 | Beta 0.49 | 52 Weeks Range 23.71 - 37.33 | Updated Date 11/14/2025 |
52 Weeks Range 23.71 - 37.33 | Updated Date 11/14/2025 | ||
Dividends yield (FY) 1.75% | Basic EPS (TTM) 4.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-04 | When After Market | Estimate 0.72 | Actual 1.5 |
Profitability
Profit Margin 8.22% | Operating Margin (TTM) 14.63% |
Management Effectiveness
Return on Assets (TTM) 2.57% | Return on Equity (TTM) 13.21% |
Valuation
Trailing PE 8.63 | Forward PE - | Enterprise Value 847491157 | Price to Sales(TTM) 0.7 |
Enterprise Value 847491157 | Price to Sales(TTM) 0.7 | ||
Enterprise Value to Revenue 0.63 | Enterprise Value to EBITDA - | Shares Outstanding 25514329 | Shares Floating 22074742 |
Shares Outstanding 25514329 | Shares Floating 22074742 | ||
Percent Insiders 18.08 | Percent Institutions 68.86 |
Upturn AI SWOT
United Fire Group Inc
Company Overview
History and Background
United Fire Group Inc. (UFCS) was founded in 1946. It began as a small insurance provider and has grown into a multi-line property and casualty insurance company. Key milestones include expanding its product offerings and geographic reach through acquisitions and organic growth.
Core Business Areas
- Commercial Insurance: Provides property, casualty, and surety insurance products to businesses.
- Personal Insurance: Offers auto, homeowners, and umbrella insurance policies to individuals.
- Life Insurance: Offers different life insurance products
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure includes underwriting, claims, sales, and support departments.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for commercial vehicles. Market share data is not readily available for UFCS specific to this product, but the overall commercial auto insurance market is highly competitive, with major players like Progressive, Travelers, and Liberty Mutual. Revenue data is not publicly broken down by individual product lines for UFCS. Competitors are Progressive, Travelers and Liberty Mutual.
- Workers' Compensation Insurance: Covers employee injuries and illnesses. UFCS competes with companies like Hartford Financial Services and Zurich. Market share and specific revenue data are not disaggregated enough for precise quantification. Competitors are Hartford Financial Services and Zurich.
- Homeowners Insurance: Offers coverage for personal property and residences. Market share data is unavailable for UFCS specifically but competes with companies like State Farm, Allstate and Progressive. Revenue data is not publicly broken down by individual product lines for UFCS. Competitors are State Farm, Allstate and Progressive.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to economic cycles, regulatory changes, and natural disasters.
Positioning
United Fire Group focuses on providing insurance products through independent agents. Its competitive advantages include its regional expertise and long-standing relationships with agents.
Total Addressable Market (TAM)
The TAM for property and casualty insurance in the US is estimated to be in the hundreds of billions of dollars annually. United Fire Group is a smaller player in this large market and is positioned to capture a small percentage of this TAM.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Regional expertise
- Diversified product offerings
- Conservative investment strategy
Weaknesses
- Smaller market share compared to larger national players
- Limited brand recognition outside of its core regions
- Vulnerability to catastrophic events
- High expense ratio compared to competitors
Opportunities
- Expanding into new geographic markets
- Leveraging technology to improve efficiency
- Acquiring smaller insurance companies
- Developing new insurance products to meet changing customer needs
Threats
- Increased competition from larger insurance companies
- Rising claims costs due to inflation and natural disasters
- Changes in regulatory requirements
- Economic downturn affecting premium volume
Competitors and Market Share
Key Competitors
- TRV
- HIG
- CINF
- AFG
- WTM
Competitive Landscape
United Fire Group faces competition from larger, more established insurance companies. Its advantages include strong agent relationships and regional focus, while disadvantages include smaller scale and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Discuss United Fire Group Inc's growth trends over the past years.(Data unavailable as per Zeus restrictions).
Future Projections: Provide projections for United Fire Group Inc's future growth based on analyst estimates.(Data unavailable as per Zeus restrictions).
Recent Initiatives: Highlight recent strategic initiatives undertaken by United Fire Group Inc.(Data unavailable as per Zeus restrictions).
Summary
United Fire Group is a regional insurance company with strong ties to independent agents. It faces challenges from larger national competitors and vulnerability to catastrophic events. The company could improve by expanding its geographic reach and leveraging technology to improve efficiency. Recent initiatives are unavailable but are vital for future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC filings
- Company website
- Industry reports
- Market Data
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary depending on the source and methodology. Financial data is based on available public information and may be subject to change. Data unavailable due to Zeus restrictions
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About United Fire Group Inc
Exchange NASDAQ | Headquaters Cedar Rapids, IA, United States | ||
IPO Launch date 1990-03-26 | President, CEO, Principal Executive Officer & Director Mr. Kevin James Leidwinger | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 877 | Website https://www.ufginsurance.com |
Full time employees 877 | Website https://www.ufginsurance.com | ||
United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. Its commercial lines include fire and allied lines, other liability, automobile, workers' compensation, fidelity and surety coverage, and other insurance products; and personal lines comprise automobile, and fire and allied lines coverage, including assumed reinsurance for homeowners multi-peril coverage. The company sells its products through a network of independent agencies. United Fire Group, Inc. was incorporated in 1946 and is headquartered in Cedar Rapids, Iowa.
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