ScoreWhy is United Fire Group, Inc. ?
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
- OPERATING CASH FLOW(Y) Highest at USD 301.87 MM
- ROCE(HY) Highest at 11.68%
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
3
With ROE of 8.09%, it has a attractive valuation with a 0.88 Price to Book Value
- Over the past year, while the stock has generated a return of 29.12%, its profits have risen by 491.4% ; the PEG ratio of the company is 0
4
Market Beating Performance
- The stock has generated a return of 29.12% in the last 1 year, much higher than market (S&P 500) returns of 15.98%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to United Fire Group, Inc. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is United Fire Group, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
United Fire Group, Inc.
44.78%
2.22
31.73%
S&P 500
13.95%
0.81
19.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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
70.37%
ROCE (avg)
0.01%
ROE (avg)
3.78%
ValuationValuation 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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 301.87 MM
ROCE(HY)
Highest at 11.68%
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DEBT-EQUITY RATIO
(HY)
Lowest at -10.05 %
NET SALES(Q)
Highest at USD 336.58 MM
PRE-TAX PROFIT(Q)
At USD 30.31 MM has Grown at 46.77%
NET PROFIT(Q)
At USD 23.82 MM has Grown at 44.01%
-10What is not working for the Company
INTEREST(HY)
At USD 4.97 MM has Grown at 114.19%
INTEREST COVERAGE RATIO(Q)
Lowest at 100.48
Here's what is working for United Fire Group, Inc.
Operating Cash Flow
Highest at USD 301.87 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 336.58 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 30.31 MM has Grown at 46.77%
over average net sales of the previous four periods of USD 20.65 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 23.82 MM has Grown at 44.01%
over average net sales of the previous four periods of USD 16.54 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Debt-Equity Ratio
Lowest at -10.05 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for United Fire Group, Inc.
Interest
At USD 4.97 MM has Grown at 114.19%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest Coverage Ratio
Lowest at 100.48
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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