Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UFCS
Strong BuyAPPROVEUnited Fire Group, Inc. · Financial Services · United States · $1.4B · Avg Vol: $8M/d
United Fire Group is balanced at Q60 V60 M72 with insiders buying and nothing adverse on record. Property and casualty insurers earn genuinely more on float when rates stay high, and the momentum leg suggests the market is starting to price the improved underwriting cycle.
COMPANY DESCRIPTION
United Fire Group, Inc. is a property and casualty insurance company offering commercial and personal insurance products, alongside life insurance and annuities, primarily in the United States. It operates through an independent agency distribution network, building relationships and specializing in certain niches or regions to provide tailored insurance solutions. United Fire Group is a regional insurance provider focusing on a diversified portfolio of property, casualty, and life insurance, committed to its independent agent partnerships.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 988.2M | 1.1B | 1.3B | 1.4B | 12.0% | 1.5B | 1.6B | 1.9B | 17.2% |
| EPS | 3.21 | 0.60 | -1.18 | 2.44 | 4.63 | 9.6% | 5.39 | 5.02 | 4.87 | 2.6% |
| Shares | — | 25.2M | 25.3M | 25.4M | 25.5M | +1.2% | 25.7M | — | — | — |
| Debt | — | 50.0M | 50.0M | 117.1M | 146.2M | 43.0% | 146.3M | — | — | — |
| Equity | — | 740.1M | 733.7M | 781.5M | 941.2M | 8.3% | — | — | — | — |
| Op CF | — | -1.3M | 171.7M | 340.3M | 269.7M | 25.3% | 271.6M | — | — | — |
| Inv CF | — | -19.2M | -149.9M | -292.5M | -326.0M | — | — | — | — | — |
| Fin CF | — | -15.0M | -16.5M | 51.1M | 11.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UFCS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UFCS | United Fire Group, Inc.(you) | $1.4B | 90 | Strong Buy |
| ASIC | Ategrity Specialty Insurance Co | $1.3B | 88 | Strong Buy |
| UVE | Universal Insurance Holdings, Inc. | $1.2B | 95 | Strong Buy |
| HRTG | Heritage Insurance Holdings, Inc. | $1.0B | 94 | Strong Buy |
| HCI | HCI Group, Inc. | $2.3B | 83 | Strong Buy |
| SAFT | Safety Insurance Group, Inc. | $1.5B | 74 | Buy |
| HIPO | Hippo Holdings Inc. | $876M | 80 | Strong Buy |
| HMN | Horace Mann Educators Corporation | $2.1B | 79 | Buy |
| SLDE | Slide Insurance Holdings, Inc. | $2.7B | 98 | Strong Buy |
| DGICB | Donegal Group Inc. | $860M | 77 | Buy |
Peer medians: ROE 9.7% · P/E 13.1x · Gross margin 100.0%