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Upturn AI SWOT - About
UFCS 
United Fire Group Inc (UFCS)
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Upturn Advisory Summary
08/14/2025: 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 $32
1 Year Target Price $32
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.45% | Avg. Invested days 19 | 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 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 781.58M USD | Price to earnings Ratio 8.73 | 1Y Target Price 32 |
Price to earnings Ratio 8.73 | 1Y Target Price 32 | ||
Volume (30-day avg) 2 | Beta 0.54 | 52 Weeks Range 18.87 - 31.34 | Updated Date 08/15/2025 |
52 Weeks Range 18.87 - 31.34 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.09% | Basic EPS (TTM) 3.51 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-05 | When - | Estimate 0.47 | Actual 0.87 |
Profitability
Profit Margin 6.94% | Operating Margin (TTM) 9.45% |
Management Effectiveness
Return on Assets (TTM) 2.22% | Return on Equity (TTM) 11.68% |
Valuation
Trailing PE 8.73 | Forward PE - | Enterprise Value 693788997 | Price to Sales(TTM) 0.59 |
Enterprise Value 693788997 | Price to Sales(TTM) 0.59 | ||
Enterprise Value to Revenue 0.52 | Enterprise Value to EBITDA - | Shares Outstanding 25492000 | Shares Floating 22027139 |
Shares Outstanding 25492000 | Shares Floating 22027139 | ||
Percent Insiders 18.12 | Percent Institutions 66.78 |
Upturn AI SWOT
United Fire Group Inc
Company Overview
History and Background
United Fire Group Inc. was founded in 1946. Initially focused on fire insurance, it has grown into a multi-line property and casualty insurer. Significant milestones include expanding product offerings and geographic reach through strategic acquisitions.
Core Business Areas
- Commercial Insurance: Provides a range of property and casualty insurance products for businesses, including commercial auto, property, and liability coverage.
- Personal Insurance: Offers personal lines insurance products such as homeowners, auto, and umbrella policies to individuals and families.
- Reinsurance: Manages risk through reinsurance agreements, spreading potential losses across multiple insurers.
Leadership and Structure
The company is led by its CEO, Randy Ramlo. The organizational structure includes departments for underwriting, claims, finance, and operations, with regional offices across the United States.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for businesses' vehicle fleets. Market share data is not readily available. Competitors include Travelers (TRV), The Hartford (HIG), and CNA Financial (CNA).
- Commercial Property Insurance: Protects business properties from damage or loss. Market share data is not readily available. Competitors include Chubb (CB), AIG (AIG), and Zurich Insurance Group (ZURVY).
- Homeowners Insurance: Provides coverage for personal residences. Market share data is not readily available. Competitors include State Farm (Private), Progressive (PGR), and Allstate (ALL).
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive, with numerous national and regional players. Factors influencing the industry include economic conditions, regulatory changes, and catastrophic events.
Positioning
United Fire Group Inc. is a regional insurer with a focus on select markets. Its competitive advantages include strong relationships with independent agents and a diversified product portfolio.
Total Addressable Market (TAM)
The US property and casualty insurance market is estimated to be over $700 billion. United Fire Group Inc is positioned as a regional player targeting a portion of this market, suggesting a focus on specific geographical areas and niche segments rather than the entire TAM.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Diversified product portfolio
- Solid financial stability
- Experienced management team
Weaknesses
- Smaller scale compared to national competitors
- Geographic concentration in certain regions
- Limited brand recognition
- Dependence on independent agents
Opportunities
- Expanding into new geographic markets
- Developing new insurance products
- Acquiring smaller insurance companies
- Leveraging technology to improve efficiency
Threats
- Increased competition from larger insurers
- Catastrophic events leading to significant claims
- Regulatory changes impacting insurance rates
- Economic downturn reducing demand for insurance
Competitors and Market Share
Key Competitors
- TRV
- HIG
- ALL
- PGR
- CB
Competitive Landscape
United Fire Group Inc. faces intense competition from larger, more established insurers with greater resources and brand recognition. UFG's advantage lies in its relationships with independent agents and regional focus, allowing for more personalized service. However, its smaller scale limits its ability to compete on price and product offerings compared to national players.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends data not available.
Future Projections: Future growth projections data not available.
Recent Initiatives: Recent initiatives data not available.
Summary
United Fire Group is a smaller regional insurer facing strong competition. Its strengths are its agent network and diversified products. Key weaknesses include its smaller scale and geographic concentration. Opportunities for growth include expansion and acquisitions; potential threats are larger competitors and catastrophic events.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, market research
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on publicly available information and may not be precise.
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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