United Fire Group, Inc.

  • Market Cap: Small Cap
  • Industry: Insurance
  • ISIN: US9103401082
USD
35.98
-0.36 (-0.99%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

106.12 k

Shareholding (Mar 2025)

FII

7.49%

Held by 75 FIIs

DII

60.04%

Held by 36 DIIs

Promoter

0.00%

How big is United Fire Group, Inc.?

22-Jun-2025

As of Jun 18, United Fire Group, Inc. has a market capitalization of 724.84 million and reported net sales of 0.00 million with a net profit of 66.16 million over the latest four quarters. The company's balance sheet shows shareholder's funds of 781.53 million and total assets of 3,265.78 million.

As of Jun 18, United Fire Group, Inc. has a market capitalization of 724.84 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported net sales of 0.00 million for the latest four quarters, while the net profit for the same period was 66.16 million.<BR><BR>As of Dec 24, the company's balance sheet shows shareholder's funds of 781.53 million and total assets amounting to 3,265.78 million.

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What does United Fire Group, Inc. do?

22-Jun-2025

United Fire Group, Inc. is a micro-cap company that provides property and casualty insurance and sells annuities. As of March 2025, it reported a net profit of $18 million and has a market cap of $724.84 million.

Overview:<BR>United Fire Group, Inc. is engaged in writing property and casualty insurance and selling annuities, operating within the insurance industry and classified as a micro-cap company.<BR><BR>Financial Snapshot:<BR>Most recent Net Profit: 18 Million (Quarterly Results - Mar 2025)<BR>Market cap: USD 724.84 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 11.00<BR>Return on Equity: 8.09%<BR>Price to Book: 0.89<BR><BR>Contact Details:<BR>Address: 118 2nd Ave SE, CEDAR RAPIDS IA: 52401-1212<BR>Tel: 1 319 3995700<BR>Website: https://www.unitedfiregroup.com/

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Should I buy, sell or hold United Fire Group, Inc.?

22-Jun-2025

Who are in the management team of United Fire Group, Inc.?

22-Jun-2025

As of March 2022, the management team of United Fire Group, Inc. includes Mr. Jack Evans (Independent Chairman), Mr. Randy Ramlo (CEO), and several independent directors: Mr. James Noyce, Mr. John-Paul Besong, Mr. Scott Carlton, Ms. Brenda Clancy, Mr. Christopher Drahozal, and Mr. George Milligan. They oversee the company's operations and strategic direction.

As of March 2022, the management team of United Fire Group, Inc. includes the following individuals:<BR><BR>- Mr. Jack Evans, Independent Chairman of the Board<BR>- Mr. Randy Ramlo, President, Chief Executive Officer, Executive Director<BR>- Mr. James Noyce, Independent Vice Chair Director<BR>- Mr. John-Paul Besong, Independent Director<BR>- Mr. Scott Carlton, Independent Director<BR>- Ms. Brenda Clancy, Independent Director<BR>- Mr. Christopher Drahozal, Independent Director<BR>- Mr. George Milligan, Independent Director<BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

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Is United Fire Group, Inc. overvalued or undervalued?

20-Sep-2025

As of August 5, 2025, United Fire Group, Inc. is fairly valued with a P/E ratio of 11 and has outperformed the S&P 500 over the past year, but its longer-term growth potential appears limited compared to the broader market.

As of 5 August 2025, the valuation grade for United Fire Group, Inc. has moved from attractive to fair. Based on the current metrics, the company appears to be fairly valued. Key ratios include a P/E ratio of 11, a Price to Book Value of 0.88, and an EV to Sales ratio of 0.42. In comparison to peers, Mercury General Corp. has a P/E of 11.03, while Palomar Holdings, Inc. shows a significantly higher P/E of 21.54, indicating that United Fire Group is positioned more conservatively within its industry.<BR><BR>In terms of recent performance, United Fire Group has outperformed the S&P 500 over the past year, returning 54.98% compared to the index's 17.14%. However, its longer-term returns, particularly over three and five years, lag behind the S&P 500, which returned 70.41% and 96.61%, respectively. This suggests that while the company is currently fairly valued, its growth potential may be limited relative to broader market trends.

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Is United Fire Group, Inc. technically bullish or bearish?

14-Oct-2025

As of October 10, 2025, United Fire Group, Inc. has a mildly bullish technical trend, supported by bullish weekly and monthly MACD and KST indicators, despite a mildly bearish weekly Dow Theory stance, and has returned 54.60% over the past year, outperforming the S&P 500.

As of 10 October 2025, the technical trend for United Fire Group, Inc. has changed from bullish to mildly bullish. The weekly MACD and KST indicators are bullish, while the monthly MACD and KST also remain bullish. The Bollinger Bands show a mildly bullish stance on the weekly and bullish on the monthly. However, the Dow Theory indicates a mildly bearish position on the weekly timeframe. The daily moving averages are mildly bullish.<BR><BR>In terms of performance, the stock has returned 54.60% over the past year, significantly outperforming the S&P 500's 13.36% return, but it has underperformed over the longer 3-year and 5-year periods. Overall, the current technical stance is mildly bullish, driven primarily by the bullish MACD and KST indicators.

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iScoreScore
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Strong Sell
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Dashboard
1

Poor long term growth as Net Sales has grown by an annual rate of 4.41% and Operating profit at 0%

 
2

Positive results in Jun 25

3

With ROE of 8.09%, it has a attractive valuation with a 0.88 Price to Book Value

4

High Institutional Holdings at 68.46%

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Insurance

stock-summary
Market cap

USD 789 Million (Small Cap)

stock-summary
P/E

11.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

10.96%

stock-summary
Price to Book

0.93

Revenue and Profits:
Net Sales:
(Quarterly Results - Jun 2025)
Net Profit:
23 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
18.2%
0%
18.2%
6 Months
26.73%
0%
26.73%
1 Year
17.35%
0%
17.35%
2 Years
69.48%
0%
69.48%
3 Years
23.39%
0%
23.39%
4 Years
61.64%
0%
61.64%
5 Years
57.39%
0%
57.39%

United Fire Group, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
4.41%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0.02
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
19.91%
Dividend Payout Ratio
26.77%
Pledged Shares
0
Institutional Holding
68.46%
ROCE (avg)
0.01%
ROE (avg)
3.78%
Valuation key factors
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.88
EV to EBIT
NA
EV to EBITDA
50.42
EV to Capital Employed
0.85
EV to Sales
0.42
PEG Ratio
0.02
Dividend Yield
0.00%
ROCE (Latest)
ROE (Latest)
8.09%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 49 Schemes (32.36%)

Foreign Institutions

Held by 75 Foreign Institutions (7.49%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ",
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      "header": [
        "Jun'25",
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          "field": "Consolidate Net Profit",
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          "val2": "17.70",
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          "field": "Operating Profit Margin (Excl OI)",
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Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQstock-summary
Jun'25
Mar'25
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
2.50
2.50
Interest
2.50
2.50
Exceptional Items
-1.10
0.00
Consolidate Net Profit
22.90
17.70
29.38%
Operating Profit Margin (Excl OI)
97.40%
73.50%
2.39%
USD in Million.
Net Sales

QoQ Growth in quarter ended Jun 2025 is 0.00% vs 0.00% in Mar 2025

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is 29.38% vs -43.63% in Mar 2025

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
10.90
10.50
3.81%
Interest
7.30
3.30
121.21%
Exceptional Items
0.00
-0.00
Consolidate Net Profit
62.00
-29.70
308.75%
Operating Profit Margin (Excl OI)
67.30%
-33.30%
10.06%
USD in Million.
Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 308.75% vs -298.00% in Dec 2023

stock-summaryCompany CV
About United Fire Group, Inc. stock-summary
stock-summary
United Fire Group, Inc.
Insurance
United Fire Group, Inc. is engaged in the business of writing property and casualty insurance and selling annuities through a network of independent agencies. Its segment property and casualty insurance segment consists of commercial lines insurance, including surety bonds, personal lines insurance and assumed reinsurance.
Company Coordinates stock-summary
Company Details
118 2nd Ave SE , CEDAR RAPIDS IA : 52401-1212
Registrar Details