ScoreWhy is United Fire Group, Inc. ?
1
Poor long term growth as Net Sales has grown by an annual rate of 5.34% and Operating profit at 0%
2
Positive results in Jun 26
- NET PROFIT(HY) At USD 63.42 MM has Grown at 52.76%
- ROCE(HY) Highest at 15.46%
- NET SALES(Q) Highest at USD 383.72 MM
3
With ROE of 12.56%, it has a attractive valuation with a 0.99 Price to Book Value
- Over the past year, while the stock has generated a return of 87.57%, its profits have risen by 90.8% ; the PEG ratio of the company is 0.1
4
High Institutional Holdings at 77.37%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 5.32% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 87.57% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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.
87.57%
4.60
32.77%
S&P 500
22.36%
1.70
13.18%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.34%
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
14.27%
Pledged Shares
0
Institutional Holding
72.05%
ROCE (avg)
0.01%
ROE (avg)
3.78%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.99
EV to EBIT
NA
EV to EBITDA
80.56
EV to Capital Employed
0.99
EV to Sales
0.63
PEG Ratio
0.09
Dividend Yield
0.00%
ROCE (Latest)
ROE (Latest)
12.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NET PROFIT(HY)
At USD 63.42 MM has Grown at 52.76%
ROCE(HY)
Highest at 15.46%
NET SALES(Q)
Highest at USD 383.72 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DIVIDEND PER SHARE(HY)
Highest at USD 0
-6What is not working for the Company
INTEREST(HY)
At USD 6.37 MM has Grown at 28.23%
INTEREST COVERAGE RATIO(Q)
Lowest at 83.96
Here's what is working for United Fire Group, Inc.
Net Sales
Highest at USD 383.72 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Profit
At USD 63.42 MM has Grown at 52.76%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
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 Coverage Ratio
Lowest at 83.96
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Interest
At USD 6.37 MM has Grown at 28.23%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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