United Fire Group, Inc. (UFCS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Palomar Holdings, Inc.

Horace Mann Educators Corp.

Mercury General Corp.

SiriusPoint Ltd.

Hagerty, Inc.

United Fire Group, Inc.

Safety Insurance Group, Inc.

AMERISAFE, Inc.

ProAssurance Corp.

Lemonade, Inc.

Employers Holdings, Inc.

Why is United Fire Group, Inc. ?

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

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)

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 22.05%, its profits have risen by 491.4% ; the PEG ratio of the company is 0

High Institutional Holdings at 68.46%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.61% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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.

17.35%

2.23

31.93%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

4.41%

EBIT Growth (5y)

EBIT to Interest (avg)

0.02

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

19.91%

Dividend Payout Ratio

26.77%

Pledged Shares

Institutional Holding

68.46%

ROCE (avg)

0.01%

ROE (avg)

3.78%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.88

EV to EBIT

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

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

18What 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 years

MOJO 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 periods

MOJO 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 MM

MOJO 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 MM

MOJO 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 periods

MOJO 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 period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Interest Coverage Ratio

Lowest at 100.48

in the last five periods

MOJO Watch

The company's ability to manage interest payments is deteriorating

Operating Profit to Interest