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 Mar 26
- ROCE(HY) Highest at 14.77%
- NET SALES(Q) Highest at USD 369.44 MM
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
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 74.26%, its profits have risen by 90.8% ; the PEG ratio of the company is 0.1
4
High Institutional Holdings at 72.05%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating performance in long term as well as near term
- Along with generating 74.26% 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.
74.26%
4.01
32.74%
S&P 500
22.24%
1.67
13.28%
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 Trend9What is working for the Company
ROCE(HY)
Highest at 14.77%
NET SALES(Q)
Highest at USD 369.44 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET PROFIT(9M)
Higher at USD 106.72 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-5What is not working for the Company
INTEREST(HY)
At USD 6.37 MM has Grown at 28.22%
DEBT-EQUITY RATIO
(HY)
Highest at -1.66 %
Here's what is working for United Fire Group, Inc.
Net Sales
Highest at USD 369.44 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 106.72 MM has Grown at 54.92%
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)
Net Profit
Higher at USD 106.72 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (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 6.37 MM has Grown at 28.22%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debt-Equity Ratio
Highest at -1.66 %
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
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