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United Fire Group Inc (UFCS)



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Upturn Advisory Summary
06/30/2025: UFCS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $30
1 Year Target Price $30
1 | Strong Buy |
0 | Buy |
1 | Hold |
0 | Sell |
0 | Strong Sell |
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 - |
Upturn AI SWOT
United Fire Group Inc

Company Overview
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.
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 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
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
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
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.
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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