United Fire Group Inc (UFCS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
United Fire Group Inc stock (UFCS) is currently trading at $36.85. United Fire Group Inc PE ratio is 8.32. United Fire Group Inc PS ratio (Price-to-Sales) is 0.69. Analyst consensus price target for UFCS is $40.50. WallStSmart rates UFCS as Moderate Buy.
- UFCS PE ratio analysis and historical PE chart
- UFCS PS ratio (Price-to-Sales) history and trend
- UFCS intrinsic value — DCF, Graham Number, EPV models
- UFCS stock price prediction 2025 2026 2027 2028 2029 2030
- UFCS fair value vs current price
- UFCS insider transactions and insider buying
- Is UFCS undervalued or overvalued?
- United Fire Group Inc financial analysis — revenue, earnings, cash flow
- UFCS Piotroski F-Score and Altman Z-Score
- UFCS analyst price target and Smart Rating
United Fire Group Inc
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UFCS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · United Fire Group Inc (UFCS)
UFCS trades at a significant discount to its Graham intrinsic value of $173.82, offering a 77% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
United Fire Group Inc (UFCS) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
United Fire Group Inc (UFCS) Key Strengths (5)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Good growth relative to its price
Strong earnings growth at 20.00% per year
67.81% held by institutions, strong professional interest
Supporting Valuation Data
United Fire Group Inc (UFCS) Areas to Watch (5)
Thin operating margins with cost pressures present
Modest revenue growth at 9.80%
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
United Fire Group Inc (UFCS) Detailed Analysis Report
Overall Assessment
This company scores 68/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, PEG Ratio. Valuation metrics including PEG Ratio (1.41), Price/Sales (0.69), Price/Book (0.99) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 20.00%.
The Bear Case
The primary concerns are Operating Margin, Revenue Growth, Profit Margin. Growth concerns include Revenue Growth at 9.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.70%, Operating Margin at 14.10%, Profit Margin at 8.53%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 9.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Price/Book) and negatives (Operating Margin, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UFCS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UFCS's Price-to-Sales ratio of 0.69x sits near its historical average of 0.69x (43th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 0.71x set in Mar 2026, and 2% above its historical low of 0.67x in Mar 2026.
Compare UFCS with Competitors
Top INSURANCE - PROPERTY & CASUALTY stocks by market cap
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Data-driven financial summary for United Fire Group Inc (UFCS) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
United Fire Group Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 1.4B with 10% growth year-over-year. Profit margins are thin at 8.5%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 119M in free cash flow and 120M in operating cash flow. Earnings are translating into actual cash generation.
Debt-to-equity ratio of 0.18 indicates a conservative balance sheet with 156M in cash.
What to Watch Next
Margin expansion: can United Fire Group Inc push profit margins above 15% as the business scales?
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact United Fire Group Inc.
Bottom Line
United Fire Group Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(31 last 3 months)
| Insider | Type | Shares |
|---|---|---|
HERNANDEZ, STEVEN DENNIS Chief Human Resources Officer | Sell | -2,858 |
| Insider | Type | Shares |
|---|---|---|
DRAHOZAL, CHRISTOPHER R Director | Sell | -4,250 |
| Insider | Type | Shares |
|---|---|---|
DRAHOZAL, CHRISTOPHER R Director | Sell | -4,250 |
Data sourced from SEC Form 4 filings
Last updated: 2:28:55 PM
About United Fire Group Inc(UFCS)
NASDAQ
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
United Fire Group, Inc., offers property and casualty insurance for individuals and businesses in the United States. The company is headquartered in Cedar Rapids, Iowa.