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United Fire Group, Inc. (UFCS) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

United Fire Group, Inc.

UFCSMarket cap $1.42BPrice $55.0

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Underwrites property, casualty, and commercial insurance for businesses and individuals across the Midwest and beyond. It's a mid-sized regional carrier that survives by knowing its niche markets better than the national giants ever could.

In Bastion Portfolios?

52W Return+82%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+12%8

Revenue Forecast

Rev CAGR (1y)+15%7

Rev CAGR (3y)+16%8

Rev CAGR (5y)+11%8

Earnings Forecast

EPS Growth Y+1+9%6

EPS Growth Y+2-3%3

EPS Growth Y+3+32%9

Quality

Margins

EBIT Margin13%5

Net Income Margin10%5

Free Cash Flow Margin18%8

Debt

Net Debt/EBITDA0.09

Efficiency

ROE15%7

ROA4%5

Earnings Stability55

GEAR+VERY STRONG97

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)89

P/BV1.48

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%9

Dividend Yield1.5%4

Momentum

Short term

1 month return+0%8

3 month return+6%8

YTD return+53%9

Mid term

Price vs 52wHigh97%10

1 year return+80%10

Long term

3 year return+204%9

5 year return+171%9

Risk Shield

Price Risk

Beta0.86

Volatility31%7

Free Cash Flow

Free Cash Flow Margin18%8

Free Cash Flow Yield0.0%9

Quality

ROCE18%5

Earnings Stability55

Net Debt/EBITDA0.09

02Growth

Is it actually growing, and how fast?

UFCSUnited Fire Group

Revenue FY25$1.4B

GROWTH RATING↗

STRONG75 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%8

Revenue, next 1Y+15%7

Revenue, next 3Y, CAGR+16%8

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+9%6

EPS growth, FY27E-3%3

EPS growth, FY28E+32%9

GROWTH ASSESSMENT

STRENGTHS

It out-grows 75% of companies worldwide.

Revenue grew 12%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 16%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 12%/yr over the last 3 years and is set to grow 16%/yr from here.

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 9%/yr vs revenue 16%/yr), so margins are under pressure. One year dips: EPS falls 3% in year 2.

WEAKNESSES

None flagged.

BOTTOM LINE

Reaccelerating Grower

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG96 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+0%8

3-month return+6%8

YTD return+53%9

MID & LONG-TERM▾SCORE

% of 52-week high97%10

1-year return+80%10

3-year return+204%9

5-year return+171%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +204% over three years and +171% over five, ahead of 80% of the market.

It's up 80% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+6%) and so far this year (+53%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on United Fire Group, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

UFCSUnited Fire Group

Revenue FY25$1.4B

GROWTH RATING↗

STRONG75 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%8

Revenue, next 1Y+15%7

Revenue, next 3Y, CAGR+16%8

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+9%6

EPS growth, FY27E-3%3

EPS growth, FY28E+32%9

GROWTH ASSESSMENT

STRENGTHS

It out-grows 75% of companies worldwide.

Revenue grew 12%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 16%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 12%/yr over the last 3 years and is set to grow 16%/yr from here.

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 9%/yr vs revenue 16%/yr), so margins are under pressure. One year dips: EPS falls 3% in year 2.

WEAKNESSES

None flagged.

BOTTOM LINE

Reaccelerating Grower

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG96 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+0%8

3-month return+6%8

YTD return+53%9

MID & LONG-TERM▾SCORE

% of 52-week high97%10

1-year return+80%10

3-year return+204%9

5-year return+171%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +204% over three years and +171% over five, ahead of 80% of the market.

It's up 80% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+6%) and so far this year (+53%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on United Fire Group, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community