ScoreWhy is United Fire Group, Inc. ?
1
Poor long term growth as Net Sales has grown by an annual rate of 5.36% and Operating profit at 0%
2
Positive results in Dec 25
- NET PROFIT(HY) At USD 77.54 MM has Grown at 51.48%
- ROCE(HY) Highest at 13.72%
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
3
With ROE of 12.65%, it has a fair valuation with a 1.01 Price to Book Value
- Over the past year, while the stock has generated a return of 27.65%, its profits have risen by 92.2% ; the PEG ratio of the company is 0.1
4
High Institutional Holdings at 72.13%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.76% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 27.65% in the last 1 year, much higher than market (S&P 500) returns of 13.68%
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.
26.24%
2.32
30.83%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.36%
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
14.29%
Pledged Shares
0
Institutional Holding
72.13%
ROCE (avg)
0.01%
ROE (avg)
3.78%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.01
EV to EBIT
NA
EV to EBITDA
101.77
EV to Capital Employed
1.01
EV to Sales
0.57
PEG Ratio
0.09
Dividend Yield
0.00%
ROCE (Latest)
ROE (Latest)
12.65%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NET PROFIT(HY)
At USD 77.54 MM has Grown at 51.48%
ROCE(HY)
Highest at 13.72%
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at USD 365.81 MM
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 149.91 MM
INTEREST(9M)
At USD 8.78 MM has Grown at 36.78%
DEBT-EQUITY RATIO
(HY)
Highest at 0 %
Here's what is working for United Fire Group, Inc.
Net Profit
At USD 77.54 MM has Grown at 51.48%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Sales
Highest at USD 365.81 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
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 8.78 MM has Grown at 36.78%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Operating Cash Flow
Lowest at USD 149.91 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Debt-Equity Ratio
Highest at 0 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
