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United Fire Group Inc (UFCS)

Upturn stock ratingUpturn stock rating
$28.7
Last Close (24-hour delay)
Profit since last BUY0.38%
upturn advisory
Consider higher Upturn Star rating
BUY since 7 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

06/30/2025: UFCS (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

2 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $30

1 Year Target Price $30

Analysts Price Target For last 52 week
$30Target price
Low$17.6
Current$28.7
high$31.34

Analysis of Past Performance

Type Stock
Historic Profit -15.09%
Avg. Invested days 20
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 730.44M USD
Price to earnings Ratio 11.3
1Y Target Price 30
Price to earnings Ratio 11.3
1Y Target Price 30
Volume (30-day avg) 2
Beta 0.51
52 Weeks Range 17.60 - 31.34
Updated Date 06/30/2025
52 Weeks Range 17.60 - 31.34
Updated Date 06/30/2025
Dividends yield (FY) 2.25%
Basic EPS (TTM) 2.54

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 5.14%
Operating Margin (TTM) 7.35%

Management Effectiveness

Return on Assets (TTM) 1.69%
Return on Equity (TTM) 8.51%

Valuation

Trailing PE 11.3
Forward PE -
Enterprise Value 641459852
Price to Sales(TTM) 0.57
Enterprise Value 641459852
Price to Sales(TTM) 0.57
Enterprise Value to Revenue 0.5
Enterprise Value to EBITDA -
Shares Outstanding 25450900
Shares Floating 21986499
Shares Outstanding 25450900
Shares Floating 21986499
Percent Insiders 18.14
Percent Institutions 66.42

Analyst Ratings

Rating 2
Target Price 30
Buy -
Strong Buy 1
Buy -
Strong Buy 1
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

United Fire Group Inc

stock logo

Company Overview

overview logo History and Background

United Fire Group, founded in 1946 and headquartered in Cedar Rapids, Iowa, has evolved from a small regional insurer to a publicly traded company providing commercial and personal insurance products. It focuses on partnering with independent insurance agencies.

business area logo Core Business Areas

  • Commercial Insurance: Offers a range of property and casualty insurance products for businesses, including coverage for property damage, liability, workers' compensation, and commercial auto.
  • Personal Insurance: Provides personal lines insurance products, such as homeowners and auto insurance, to individuals and families.
  • Life Insurance: UFG Life provides individual life policies and annuities, primarily marketed through its independent agency network.

leadership logo Leadership and Structure

Randy A. Ramlo serves as Chairman of the Board and Chief Executive Officer. The company operates with a typical corporate structure, including various executive management roles overseeing different business functions.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Property and Casualty Insurance: Coverage for property damage, liability claims, and other business-related risks. The market is highly competitive, with key competitors including Travelers (TRV), Hartford Financial Services (HIG), and Chubb (CB). Difficult to determine exact market share without proprietary data, but UFG targets small to medium sized businesses.
  • Market Share (%): Unknown, but estimated to be <1% of the overall U.S. Commercial P&C Insurance Market.
  • Market Share (%): Unknown, but estimated to be <1% of the overall U.S. Personal Lines Insurance Market.
  • Personal Lines Insurance (Homeowners, Auto): Offers policies for individual homeowners and auto insurance. Competitors include State Farm, Geico (BRK.A), and Progressive (PGR).
  • Life Insurance: Offers Term Life and Whole Life insurance policies. Competitors include New York Life, Northwestern Mutual, and Prudential (PRU).
  • Market Share (%): Unknown, but estimated to be <1% of the overall U.S. Life Insurance Market.

Market Dynamics

industry overview logo Industry Overview

The property and casualty insurance industry is highly competitive and cyclical, influenced by factors like economic conditions, interest rates, regulatory changes, and catastrophic events.

Positioning

United Fire Group is a regional player focusing on independent agencies. Their competitive advantage comes from strong agency relationships, localized expertise, and specialized product offerings.

Total Addressable Market (TAM)

The U.S. Property & Casualty Insurance market is estimated at over $800 billion. UFG's TAM is a subset of this focusing on commercial and personal lines insurance in specific regions. The company is moderately positioned to capture a small portion of this larger market, focusing on small to medium sized businesses.

Upturn SWOT Analysis

Strengths

  • Strong relationships with independent insurance agencies
  • Regional focus and expertise
  • Solid financial stability
  • Diversified product portfolio

Weaknesses

  • Smaller market share compared to larger national competitors
  • Geographic concentration
  • Reliance on independent agencies
  • Limited brand recognition outside of core regions

Opportunities

  • Expanding into new geographic markets
  • Developing new insurance products and services
  • Leveraging technology to improve efficiency and customer service
  • Acquiring smaller insurance companies

Threats

  • Increased competition from larger national insurers
  • Economic downturn affecting insurance demand
  • Catastrophic events leading to significant claims
  • Changes in regulatory environment

Competitors and Market Share

competitor logo Key Competitors

  • TRV
  • HIG
  • CB
  • ALL
  • PRU

Competitive Landscape

UFCS is smaller than its main competitors in the insurance market. This presents the business with both advantages and disadvantages. The UFCS is smaller in scale than many national insurance corporations, which allows it to be more adaptable and responsive to local market conditions. However, its limited brand recognition compared to other established competitors is a disadvantage.

Major Acquisitions

Mercer Insurance Group

  • Year: 2011
  • Acquisition Price (USD millions): 190
  • Strategic Rationale: Expanded UFG's presence in the Mid-Atlantic region.

Growth Trajectory and Initiatives

Historical Growth: Analysis of historical growth requires up to date financial data. Historically the company has maintained moderate but steady growth.

Future Projections: Future projections requires financial analyst data. Analyst estimates generally project moderate growth based on UFG's market position and expansion strategy.

Recent Initiatives: Analysis of Recent initiatives requires up to date data and usually includes technology upgrades, new partnerships, or strategic acquisitions.

Summary

United Fire Group is a regional insurance company focused on independent agencies. Its strengths lie in these agency relationships, regional expertise, and financial stability. However, it faces competition from larger national insurers and limited brand recognition. Future success depends on effectively navigating these challenges and capitalizing on growth opportunities.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Industry Reports
  • Market Analysis

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and publicly available information and may not be precise. Financial performance information requires accessing up-to-date financial reporting data, which can change with time and may not be available in this response.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 877

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.