United Fire Group, Inc.
UFCSFinancial ServicesNASDAQInsurance - Property & Casualty
Scan Results
Daily timeframeUnited Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. The $1.26B market capitalization puts UFCS squarely in small-cap range for its industry. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing.
Market Cap
$1.26B
Beta
0.50
P/E (TTM)
10.42
P/E (Fwd)
10.81
EPS (TTM)
$4.70
EPS (Fwd)
$4.53
ROE
14.8%
ROA
3.0%
Cash
$162.0M
Total Debt
$146.3M
Free CF
$267.8M
52W Change
81.2%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $162.0M in cash comfortably exceeding the $146.3M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. The company generates $267.8M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. ROE of 14.8% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 3.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $988.2M (2022) to $1.39B (2025), reflecting a 40% increase over the period.
UFCS's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for United Fire Group, Inc. and its sector.