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Upturn AI SWOT - About
UFCS 
United Fire Group Inc (UFCS)
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Upturn Advisory Summary
12/02/2025: 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 -2.45% | Avg. Invested days 28 | 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 12/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 927.19M USD | Price to earnings Ratio 8.57 | 1Y Target Price 36.5 |
Price to earnings Ratio 8.57 | 1Y Target Price 36.5 | ||
Volume (30-day avg) 2 | Beta 0.49 | 52 Weeks Range 23.71 - 37.84 | Updated Date 12/2/2025 |
52 Weeks Range 23.71 - 37.84 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 1.76% | Basic EPS (TTM) 4.24 |
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 8.57 | Forward PE - | Enterprise Value 841367718 | Price to Sales(TTM) 0.68 |
Enterprise Value 841367718 | Price to Sales(TTM) 0.68 | ||
Enterprise Value to Revenue 0.62 | Enterprise Value to EBITDA - | Shares Outstanding 25514329 | Shares Floating 22077549 |
Shares Outstanding 25514329 | Shares Floating 22077549 | ||
Percent Insiders 18.09 | Percent Institutions 67.65 |
Upturn AI SWOT
United Fire Group Inc
Company Overview
History and Background
United Fire Group Inc. (UFCS) was founded in 1946. Initially focused on fire insurance, it has expanded into a diversified property and casualty insurance company. Key milestones include its initial public offering and strategic acquisitions to broaden its product offerings and geographic reach.
Core Business Areas
- Commercial Insurance: Provides property, casualty, and liability coverage to businesses, including small to mid-sized enterprises. Includes coverages like commercial auto, workers' compensation, and general liability.
- Personal Insurance: Offers personal lines of insurance, such as auto, homeowners, and umbrella policies.
- Life Insurance: Provides life insurance products.
- Reinsurance: Underwrites reinsurance policies.
Leadership and Structure
The company is led by a board of directors and a senior management team. The organizational structure consists of various departments responsible for underwriting, claims, finance, and other key functions. Key leaders include the CEO, CFO, and Chief Underwriting Officer.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Provides coverage for businesses' physical assets, including buildings and equipment. UFCS does not break down exact revenue from each product. Competitors include Travelers, Hartford Financial, and Chubb.
- Commercial Auto Insurance: Offers protection for business-owned vehicles against physical damage and liability claims. UFCS does not break down exact revenue from each product. Competitors include Progressive Commercial, Liberty Mutual, and Zurich.
- Workers' Compensation Insurance: Covers medical expenses and lost wages for employees injured on the job. UFCS does not break down exact revenue from each product. Competitors include Berkshire Hathaway, AIG, and Hartford Financial.
- Personal Auto Insurance: Covers individuals vehicles against physical damage and liability claims. UFCS does not break down exact revenue from each product. Competitors include Progressive, Geico, Allstate, State Farm, and Nationwide.
- Home Owners Insurance: Covers home physical damage and liability claims. UFCS does not break down exact revenue from each product. Competitors include Progressive, Geico, Allstate, State Farm, and Nationwide.
Market Dynamics
Industry Overview
The property and casualty insurance industry is competitive and highly regulated. Factors influencing the industry include interest rates, catastrophic events, and economic growth.
Positioning
United Fire Group Inc. competes primarily on service and distribution. Their regional focus allows for better customer relationships but also introduces geographic concentration risk.
Total Addressable Market (TAM)
The global property and casualty insurance market is estimated at over $2 trillion. UFCS's TAM is a portion of this, reflecting their regional and product focus. They are positioned to capture further market share within their segments.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified product offerings
- Established distribution network
- Sound financial position
Weaknesses
- Geographic concentration risk
- Smaller scale compared to major competitors
- Susceptibility to catastrophic events
- Limited international presence
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Leveraging technology for improved efficiency
- Strategic acquisitions
Threats
- Increased competition
- Changing regulatory landscape
- Economic downturn
- Catastrophic events (hurricanes, wildfires, etc.)
Competitors and Market Share
Key Competitors
- TRV
- HIG
- CINF
Competitive Landscape
UFCS faces stiff competition from larger national players. Its regional focus provides a competitive advantage in certain markets.
Major Acquisitions
Mercer Insurance Group
- Year: 2011
- Acquisition Price (USD millions): 190
- Strategic Rationale: Expanded geographic footprint in the Mid-Atlantic region and diversified product offerings.
Growth Trajectory and Initiatives
Historical Growth: Growth has been moderate, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates would provide insight into future growth. Generally, expect continued expansion within its target markets.
Recent Initiatives: Strategic initiatives might include technology investments, product diversification, or market expansion. Review company announcements for details.
Summary
United Fire Group is a regional insurer with a diversified product portfolio and a consistent dividend history. Its smaller size and geographic concentration pose some challenges, but strategic acquisitions and market expansion offer opportunities. The company needs to carefully manage competition and potential catastrophic losses. Overall, UFCS is moderately strong but needs to improve market share against larger competitors.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC filings (10-K, 10-Q)
- Company investor relations website
- Industry reports
- Market data providers (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
The analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is approximate and may vary based on the source. Financial data needs to be pulled from current SEC filings.
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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