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UNITED FIRE GROUP INC

UFCS

$54.55 ▼ -0.36 (-0.66%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

UNITED FIRE GROUP INC shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.4B

Dividend Yield 1.17%

Revenue Growth 10.6% ↘

Op. Margin 10.7% ↗

ROIC None

FCF / Share None

Trailing P/E 11.8x

Price / Book 1.5x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.39B

↑ +10.6% —

Net Income Profit after all expenses

$118.19M

↑ +90.8% —

Operating Margin Operating profit as % of sales

10.7%

↑ +73.6% 58th

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

trending_up

Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.64 Latest / share

+0.0% YoY

-1.8% 12-yr CAGR

$0.78

FY 2014

$0.86

FY 2015

$0.97

FY 2016

$1.09

FY 2017

$4.21

FY 2018

$1.30

FY 2019

$1.14

FY 2020

$0.60

FY 2021

$0.63

FY 2022

$0.64

FY 2023

$0.64

FY 2024

$0.64

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	10.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+77%)	14.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+140%)	11.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+96%)	-8.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-234%)	-0.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-104%)	-11.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-284%)	12.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+104%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-72%)	5.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-6%)	-3.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-162%)	9.9% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+65%)	7.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	7.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	15.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+156%)	19.3% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+221%)	3.3% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-45%)	—	—
EPS Growth YoY (%)	89.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—	-46.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-45.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-44.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	52.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-22.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	90.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	N/M	N/M	—	—
Net Income Growth YoY (%)	90.8% Excellent Excellent Year-over-year change in net income	N/M	N/M	-81.3% Weak Weak Year-over-year change in net income	N/M	N/M	-46.4% Weak ↓ Weak Declining Year-over-year change in net income	-45.8% Weak ↓ Weak Declining Year-over-year change in net income	2.2% Caution ↑ Caution Improving Year-over-year change in net income	-44.0% Weak ↓ Weak Declining Year-over-year change in net income	50.7% Excellent ↓ Excellent Declining Year-over-year change in net income	-22.3% Weak ↓ Weak Declining Year-over-year change in net income	89.3% Excellent ↓ Excellent Declining Year-over-year change in net income	365463.6% Excellent Excellent Year-over-year change in net income	-100.0% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	12.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	5.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	0.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-6.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.1% Good Good Compound annual revenue growth over 3 years	12.4% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	0.9% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	0.5% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-1.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	0.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	11.9% Good Good Compound annual revenue growth over 5 years	10.5% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	—	—	—	-33.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-32.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-13.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	31.1% Excellent Excellent Compound annual EPS growth over 3 years	—	18.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	10.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	6.1% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	-3.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	1.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	9.1% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	-15.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-163%)	1.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	-0.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	1.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	5.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	11.7% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	8.1% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	20.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-24.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.2% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	124.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-186.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.6% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	8.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	4.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	-2.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	1.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	7.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	-10.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-148%)	1.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	2.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	4.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	5.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	8.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	6.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	8.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	4.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	0.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	8.0% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	-1.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	3.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-3.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	12.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	-4.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-134%)	2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	9.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	-13.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-214%)	1.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	5.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	7.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	5.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	0.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	6.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	-1.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-113%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.06x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$54.43	$49.50	$43.39	$38.96	$42.49	$42.70	$47.78	$42.80	$41.94	$39.33	$41.32	$37.33	$34.63	$31.96	$27.24	$22.46	$21.52	—
Basic EPS, GAAP (USD)	$4.64	$2.45	$-1.18	—	—	—	$0.59	$1.11	$2.03	$1.97	$3.56	$2.34	$3.01	$1.58	$0.00	$1.81	$-0.39	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.64	$0.64	$0.64	$0.63	$0.60	$1.14	$1.30	$4.21	$1.09	$0.97	$0.86	$0.78	$0.69	$0.60	$0.60	$0.60	$0.60	—
Book Value per Share (USD)	$36.88	$30.80	$29.04	$29.36	$35.05	$32.93	$36.40	$35.40	$39.06	$37.04	$34.94	$32.67	$30.87	$28.90	$27.29	$27.22	$25.30	—
Tangible Book Value per Share (USD)	$36.75	$30.64	$28.85	$29.15	$34.81	$32.66	$35.49	$34.47	$38.10	$36.07	$33.93	$31.62	$29.80	$27.78	$26.68	$27.22	$25.30	—
Basic Weighted Avg Shares (shares)	25.47M	25.32M	25.25M	25.16M	25.09M	25.03M	25.14M	25.01M	25.10M	25.34M	25.05M	25.23M	25.33M	25.45M	25.88M	26.32M	26.59M	—
Dividend Payout Ratio (%)	13.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	26.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	-54.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	220.3% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	379.3% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	53.7% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	49.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	33.1% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	-153.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	$0.00	$45.00M	—	—	—
Total Equity (USD)	$941.17M	$781.53M	$733.75M	$740.11M	$879.12M	$825.15M	$910.47M	$888.38M	$973.37M	$941.88M	$878.90M	$817.41M	$782.83M	$729.18M	$696.14M	$716.42M	$672.74M	$641.74M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$1.39B	$1.25B	$1.10B	$980.29M	$1.07B	$1.07B	$1.20B	$1.07B	$1.05B	$996.36M	$1.03B	$941.89M	$877.04M	$813.24M	$705.01M	$591.07M	$572.19M	—
Depreciation Expense (USD)	$10.77M	$10.90M	$10.51M	$7.67M	$6.57M	$6.66M	$11.19M	$5.17M	$4.57M	$6.04M	$6.47M	$6.89M	$5.60M	$7.98M	$5.58M	$2.87M	$3.53M	—
Net Income, GAAP (USD)	$118.19M	$61.96M	$-29.70M	$15.03M	$80.59M	$-112.71M	$14.82M	$27.65M	$51.02M	$49.90M	$89.13M	$59.14M	$76.14M	$40.21M	$11.00K	$47.51M	$-10.44M	—
Operating Cash Flow (USD)	$269.74M	$340.30M	$171.74M	$-1.25M	$29.92M	$41.44M	$93.75M	$110.10M	$170.09M	$214.38M	$190.00M	$151.29M	$161.49M	$172.08M	$74.43M	$71.22M	$100.41M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Premiums Earned (USD)	$1.29B	$1.18B	$1.03B	$951.54M	$962.82M	$1.06B	$1.09B	$1.04B	$997.49M	$936.13M	$930.89M	$828.33M	$754.85M	$694.99M	$586.78M	$469.47M	$478.50M	—
Loss Ratio (%) (%)	59.1%	63.3%	74.4%	67.0%	67.7%	82.4%	76.4%	70.5%	72.8%	69.7%	59.0%	64.7%	60.8%	66.1%	73.3%	66.0%	79.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

UNITED FIRE GROUP INC

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