UNITED FIRE GROUP INC

UFCS

UNITED FIRE GROUP INC

UFCS

Insider Sentiment (TTM):

Last Purchase:2026-06-05Last Sale:2026-03-04Shares Purchased (TTM):4,500Shares Sold (TTM):10,950

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:16,646,058Shares Outstanding:25,560,813Institutional Ownership Pct.:65.12%

Earnings Market Reaction:

Filing Date:2026-08-04Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Investments
Debt Securities
Debt Securities Available For Sale Excluding Accru…	2,284	2,219	2,205	2,016	1,953	1,931	1,868	1,853	1,796	1,589	1,687	1,639
Equity Securities Fv Ni	-	-	-	-	-	-	0	0	0	0	55	51
Financing Receivable Excluding Accrued Interest Be…	-	-	-	-	-	-	-	-	41	41	45	46
Financing Receivable Excluding Accrued Interest Af…	-	31	31	39	39	41	41	41	41	41	45	46
Other Long Term Investments	221	239	229	215	207	193	184	101	98	99	100	94
Other Short Term Investments	-	-	0	0	0	1	0	0	0	0	0	0
Investments	2,535	2,489	2,465	2,271	2,200	2,166	2,093	1,995	1,936	1,730	1,886	1,829
Cash And Cash Equivalents At Carrying Value	139	162	156	234	202	184	201	197	153	218	102	69
Accrued Investment Income Receivable	19	17	18	16	16	15	16	16	17	16	16	17
Premiums Receivable At Carrying Value	600	546	498	521	513	453	451	609	585	518	465	476
Deferred Policy Acquisition Costs And Value Of Bus…	176	163	158	164	162	152	147	149	144	135	127	125
Property Plant And Equipment Net	128	130	133	135	136	136	136	135	135	134	134	134
Reinsurance Recoverables On Paid And Unpaid Losses	236	230	239	233	248	232	231	250	244	240	223	212
Prepaid Reinsurance Premiums	34	30	32	32	40	44	45	42	33	25	28	21
Intangible Assets Net Excluding Goodwill	3	3	3	3	4	4	4	4	4	4	-	5
Deferred Income Tax Assets Net	20	14	15	17	22	20	23	14	27	23	14	37
Intangible Assets Net Including Goodwill	-	-	-	-	-	-	4	-	-	-	5	-
Income Tax Receivable	0	0	1	3	6	8	14	17	20	12	21	36
Other Assets	124	125	123	125	113	115	128	117	112	190	123	91
Assets	4,014	3,910	3,841	3,754	3,661	3,528	3,488	3,546	3,409	3,245	3,144	3,052
Liabilities And Stockhold…
Liability For Claims And Claims Adjustment Expense	1,990	1,970	1,925	1,882	1,860	1,816	1,797	1,795	1,756	1,691	1,639	1,637
Unearned Premiums	750	691	660	691	700	644	621	650	634	587	549	561
Surplus Notes	-	-	146	146	117	117	117	117	117	50	50	50
Long Term Debt	146	146	-	-	-	-	-	-	-	-	-	-
Liabilities	3,037	2,959	2,900	2,855	2,815	2,711	2,707	2,760	2,682	2,508	2,410	2,407
Stockholders Equity
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital Common Stock	227	224	224	222	218	217	216	213	212	211	210	210
Retained Earnings Accumulated Deficit	775	747	722	688	653	634	620	593	577	584	575	559
Accumulated Other Comprehensive Income Loss Net Of…	-25	-21	-5	-11	-26	-33	-55	-21	-63	-58	-51	-124
Stockholders Equity	977	951	941	899	846	818	782	786	727	737	734	645
Liabilities And Stockholders Equity	4,014	3,910	3,841	3,754	3,661	3,528	3,488	3,546	3,409	3,245	3,144	3,052
Debt Securities Available For Sale Amortized Cost …	2,340	2,272	2,239	2,054	2,011	1,997	1,962	1,899	1,896	1,683	1,771	1,794
Debt Securities Available For Sale Amortized Cost …	-	-	0	-	-	-	0	-	-	-	0	-
Financing Receivable Allowance For Credit Loss Exc…	-	0	0	1	1	0	0	0	0	0	0	0
Premiums Receivable Allowance For Doubtful Account…	3	2	2	2	2	1	2	2	2	2	2	2
Equity Securities Fv Ni Cost	-	-	-	-	-	-	0	0	0	0	29	29
Accumulated Depreciation Depletion And Amortizatio…	87	87	86	83	80	78	76	74	73	71	68	66
Reinsurance Recoverables Allowance	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001
Common Stock Shares Authorized	75	75	75	75	75	75	75	75	75	75	75	75
Common Stock Shares Issued	26	26	26	26	25	25	25	25	25	25	25	25
Shares Outstanding	26	26	26	26	25	25	25	25	25	25	25	25

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	3.07%	22.74%	19.89%	-	-	-	-	-	-	-	-	-
2025	4.25%	5.03%	-0.90%	7.59%	7.73%	9.66%	3.13%	3.28%	-2.64%	-6.16%	4.10%	23.90%
2024	-5.04%	-8.28%	-5.85%	10.50%	12.06%	6.13%	24.35%	15.73%	2.69%	8.48%	2.60%	7.96%
2023	-	-	-	0.75%	-1.10%	-1.00%	7.03%	3.45%	11.45%	-5.91%	-1.42%	1.74%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	14.96	14.71	14.13	14.18	12.64	10.28	11.58	11.87	12.30	-6.05	-11.18	-10.07
Per Share Metrics
Diluted EPS TTM	5.44	5.00	4.48	4.22	3.48	2.52	2.39	1.93	1.45	-0.65	-1.18	-1.14
Free Cash Flow Per Share TTM	10.58	11.37	10.59	12.01	11.85	13.38	13.44	8.14	10.33	8.49	6.80	7.05
Dividend Per Share TTM	0.72	0.68	0.64	0.64	0.64	0.64	0.64	0.64	0.64	0.64	0.64	0.64
Margin Metrics
Gross Profit Margin TTM	99.14%	99.16%	99.19%	99.22%	99.25%	99.31%	99.42%	99.53%	99.66%	99.70%	99.70%	99.71%
Operating Profit Margin TTM	12.01%	11.52%	10.67%	10.29%	8.74%	6.41%	6.15%	5.10%	3.89%	-2.08%	-3.63%	-3.79%
Net Profit Margin TTM	9.57%	9.16%	8.52%	8.22%	6.94%	5.13%	4.94%	4.15%	3.17%	-1.50%	-2.71%	-2.68%
Growth Metrics
Net Revenue Growth (1Y)	11.36%	10.58%	10.62%	12.12%	14.18%	14.59%	14.41%	10.95%	10.34%	12.17%	11.75%	11.89%
Net Income Growth (1Y)	53.49%	97.33%	90.76%	122.01%	149.86%	-491.64%	-308.61%	-271.72%	-162.78%	33.81%	-297.59%	-155.44%
EPS Growth (1Y)	52.26%	96.02%	89.64%	120.58%	148.33%	-489.84%	-308.03%	-271.23%	-162.65%	33.58%	-297.29%	-155.28%
Valuation Metrics
P/E TTM	9.55	7.22	7.80	6.91	7.85	11.08	11.33	10.26	14.24	-31.11	-16.22	-16.09
P/B TTM	1.38	0.99	0.98	0.86	0.85	0.90	0.90	0.65	0.72	0.71	0.66	0.73
P/S TTM	0.91	0.66	0.66	0.57	0.54	0.57	0.56	0.43	0.45	0.47	0.44	0.43
Market Cap	1.35B	942.96M	921.62M	768.78M	720.69M	733.26M	702.18M	514.18M	523.37M	525.56M	481.86M	469.62M
Enterprise Value	1.35B	927.20M	765.29M	535.04M	518.54M	549.58M	501.23M	316.81M	369.94M	307.78M	379.81M	400.47M
Calculated Values
Free Cash Flow TTM	271.55M	290.70M	269.74M	306.20M	301.86M	339.82M	340.30M	206.24M	261.38M	214.68M	171.74M	178.05M
Net Debt	6.91M	-15.76M	-156.33M	-233.74M	-202.15M	-183.68M	-200.95M	-197.37M	-153.43M	-217.79M	-102.05M	-69.15M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-05Purchase

Owner: Milligan, George D

Title: -

Shares: 4,500

Price/Share: $45.23

Value: $203,535.00

Shares Owned: 90,034

Relationship: Director

Ownership: Direct

2026-03-04Sale

Owner: Drahozal, Christopher R

Title: -

Shares: 4,250

Price/Share: $38.49

Value: $163,582.50

Shares Owned: 429,113

Relationship: Director

Ownership: Indirect

2026-03-02Sale

Owner: Mcintyre, Dee Ann

Title: -

Shares: 4,250

Price/Share: $38.84

Value: $165,070.00

Shares Owned: 437,613

Relationship: TenPercentOwner

Ownership: Indirect

2025-09-18Sale

Owner: Besong, John Paul E

Title: -

Shares: 2,450

Price/Share: $32.25

Value: $79,012.50

Shares Owned: 24,494

Relationship: Director

Ownership: Direct

2025-08-11Purchase

Owner: Martin, Eric J

Title: Chief Financial Officer

Shares: 500

Price/Share: $29.00

Value: $14,500.00

Shares Owned: 35,155

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-05	Milligan, George D	Director	-	Direct	Purchase	4,500	45.23	$203,535.00	90,034	4
2026-03-04	Drahozal, Christopher R	Director	-	Indirect	Sale	4,250	38.49	$163,582.50	429,113	4
2026-03-02	Mcintyre, Dee Ann	TenPercentOwner	-	Indirect	Sale	4,250	38.84	$165,070.00	437,613	4
2025-09-18	Besong, John Paul E	Director	-	Direct	Sale	2,450	32.25	$79,012.50	24,494	4
2025-08-11	Martin, Eric J	Officer	Chief Financial Officer	Direct	Purchase	500	29.00	$14,500.00	35,155	4
2025-03-06	Mcintyre, Dee Ann	TenPercentOwner	-	Indirect	Sale	2,500	28.33	$70,825.00	441,863	5
2025-03-06	Drahozal, Christopher R	Director	-	Indirect	Sale	2,500	28.33	$70,825.00	441,863	4
2025-03-06	Mcintyre, Dee Ann	TenPercentOwner	-	Indirect	Sale	2,500	28.33	$70,825.00	441,863	4
2025-02-14	Noyce, James	Director	-	Direct	Purchase	2,000	26.97	$53,940.00	27,316	4
2025-02-14	Milligan, George D	Director	-	Direct	Purchase	3,500	26.97	$94,395.00	79,446	4
2024-12-19	Ruehle, Corey Lynn	Officer	VP & Chief Claims Officer	Direct	Sale	2,664	29.60	$78,854.40	12,523	4
2024-11-19	Carlton, Scott L	Director	-	Direct	Sale	3,756	27.15	$101,975.40	204,827	4
2024-09-16	Milligan, George D	Director	-	Direct	Purchase	222	20.34	$4,519.55	75,800	4
2024-08-14	Woolstenhulme, Micah G	Officer	SVP & Chief Risk Officer	Direct	Purchase	2,500	19.20	$48,000.00	39,940	4
2024-08-12	Foran, Matthew R	Director	-	Direct	Purchase	1,000	18.45	$18,450.00	9,762	4
2024-08-09	Milligan, George D	Director	-	Direct	Purchase	3,500	18.40	$64,400.00	75,159	4
2024-06-10	Walsh, Kelly A	Officer	Chief Underwriting Officer	Direct	Sale	4,700	21.11	$99,217.00	16,189	4
2024-06-06	Mcintyre, Dee Ann	TenPercentOwner	-	Indirect	Sale	2,500	21.06	$52,650.00	449,363	5
2024-06-06	Martin, Eric J	Officer	Chief Financial Officer	Direct	Purchase	500	21.22	$10,610.00	26,310	4
2024-06-06	Woolstenhulme, Micah G	Officer	SVP & Chief Risk Officer	Direct	Purchase	1,000	21.25	$21,250.00	37,440	4
2024-06-06	Drahozal, Christopher R	Director	-	Indirect	Sale	2,500	21.06	$52,650.00	449,363	4
2024-06-06	Mcintyre, Dee Ann	TenPercentOwner	-	Indirect	Sale	2,500	21.06	$52,650.00	449,363	4
2024-03-18	Mcintyre, Dee Ann	TenPercentOwner	-	Indirect	Sale	2,500	21.90	$54,750.00	451,863	4
2024-03-18	Drahozal, Christopher R	Director	-	Indirect	Sale	2,500	21.90	$54,750.00	451,863	4
2024-03-13	Woolstenhulme, Micah G	Officer	VP & Chief Risk Officer	Direct	Purchase	1,500	21.76	$32,640.00	32,763	4
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Institutional Ownership

No data available for chart

2026-03-31

65.12%

Inst. Shares: 16,646,058

Shares Outstanding: 25,560,813

2025-12-31

64.65%

Inst. Shares: 16,465,439

Shares Outstanding: 25,470,451

2025-09-30

63.82%

Inst. Shares: 16,275,962

Shares Outstanding: 25,501,551

2025-06-30

61.77%

Inst. Shares: 15,734,125

Shares Outstanding: 25,471,114

2025-03-31

62.58%

Inst. Shares: 15,888,630

Shares Outstanding: 25,391,281

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	16,646,058	25,560,813	65.12%
2025-12-31	16,465,439	25,470,451	64.65%
2025-09-30	16,275,962	25,501,551	63.82%
2025-06-30	15,734,125	25,471,114	61.77%
2025-03-31	15,888,630	25,391,281	62.58%
2024-12-31	15,682,167	25,319,973	61.94%
2024-09-30	15,602,693	25,337,147	61.58%
2024-06-30	15,451,923	25,314,456	61.04%
2024-03-31	15,051,306	25,274,941	59.55%
2023-12-31	15,404,906	25,249,269	61.01%
2023-09-30	15,354,609	25,249,269	60.81%
2023-06-30	15,468,057	25,262,949	61.23%
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UNITED FIRE GROUP INC (UFCS) — SEC Financial Statements & Analysis

UNITED FIRE GROUP INC (UFCS) is a fire, marine & casualty insurance company. UNITED FIRE GROUP INC trades on Nasdaq as: UFCS. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), UNITED FIRE GROUP INC reported a 11.36% year-over-year revenue growth, a Gross Profit Margin of 99.14% (TTM), a Price-to-Sales (P/S) ratio of 0.91x (TTM), a Price-to-Book (P/B) ratio of 1.38x (TTM), at a market cap of $1.35B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 11.36%
Gross Profit Margin TTM: 99.14%
P/S TTM: 0.91x
P/B TTM: 1.38x
Market Cap: $1.35B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is UNITED FIRE GROUP INC in?

UNITED FIRE GROUP INC (UFCS) operates in the Fire, Marine & Casualty Insurance industry.

What is UFCS's market cap?

UNITED FIRE GROUP INC (UFCS) has a market capitalization of $1.35B as of 2026-06-30.

What is UFCS's P/E ratio?

UNITED FIRE GROUP INC (UFCS)'s trailing twelve month P/E ratio is 9.55x as of 2026-06-30.

What exchange does UFCS trade on?

UNITED FIRE GROUP INC (UFCS) trades on the Nasdaq.