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ISIN
US9103401082
CUSIP
910340108
IPO Date
Mar 26, 1990

Highlights

EPS (TTM)
$6.59
PE Ratio
7.62
PEG Ratio
0.04
Total Revenue (TTM)
$1.43B
Gross Profit (TTM)
$325.77M
EBITDA (TTM)
$140.18M
Year Range
$25.79 - $50.35
Target Price
$41.00
ROA (TTM)
3.34%
ROE (TTM)
13.73%

Share Price Chart


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Performance

UFCS Performance Chart

United Fire Group, Inc. (UFCS) is up 39.6% since the beginning of the year. At $50 per share, UFCS is currently trading at its 52-week high. Investors who bought $1,000 worth of UFCS shares 5 years ago would now be looking at an investment worth $2,051.


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S&P 500 Index

Returns By Period

United Fire Group, Inc. (UFCS) has returned 39.58% so far this year and 77.70% over the past 12 months. Over the last ten years, UFCS has returned 5.40% per year, falling short of the S&P 500 Index benchmark, which averaged 13.71% annually.


United Fire Group, Inc.

1D
3.59%
1M
7.00%
YTD
39.58%
6M
37.05%
1Y
77.70%
3Y*
34.62%
5Y*
15.45%
10Y*
5.40%

Benchmark (S&P 500 Index)

1D
-1.44%
1M
-1.45%
YTD
7.60%
6M
6.59%
1Y
22.24%
3Y*
19.20%
5Y*
11.54%
10Y*
13.71%
*Multi-year figures are annualized to reflect compound growth (CAGR)

UFCS Monthly Returns History

Based on dividend-adjusted daily data since Mar 26, 1990, UFCS's average daily return is +0.07%, while the average monthly return is +1.17%. At this rate, an investment would double in approximately 5.0 years.

Historically, 54% of months were positive and 46% were negative. The best month was Nov 2024 with a return of +56.6%, while the worst month was Jan 2009 at -35.5%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 5 months.

On a daily basis, UFCS closed higher 44% of trading days. The best single day was Nov 6, 2024 with a return of +24.1%, while the worst single day was Aug 4, 2022 at -21.7%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026-1.13%8.70%-4.63%8.80%9.95%13.85%39.58%
2025-12.79%13.14%5.54%-6.08%2.82%1.46%-7.49%16.39%-1.04%-0.62%20.91%-0.10%30.48%
202411.38%3.93%-5.87%1.47%1.45%-3.42%4.28%-7.94%2.25%-6.16%56.64%-7.03%45.32%
202315.10%-9.37%-6.43%1.32%-20.15%6.29%6.09%-17.10%-0.10%1.97%4.53%-3.69%-24.30%
20227.55%10.71%13.14%-5.73%10.65%6.13%-4.09%-10.36%-1.84%-5.67%12.73%-9.97%20.49%
20219.72%6.94%18.72%-13.05%1.29%-9.08%-10.13%4.17%-10.49%-11.56%2.40%11.62%-5.52%

Benchmark Metrics

United Fire Group, Inc. has an annualized alpha of 8.80%, beta of 0.86, and R2 of 0.15 versus S&P 500 Index. Calculated based on daily prices since March 26, 1990.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (58.19%) than losses (43.91%) - typical of diversified or defensive assets.
  • R2 of 0.15 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
8.80%
Beta
0.86
0.15
Upside Capture
58.19%
Downside Capture
43.91%

Return for Risk

Risk / Return Rank

UFCS ranks 93 for risk / return — in the top 93% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.


UFCS Risk / Return Rank: 9393
Overall Rank
UFCS Sharpe Ratio Rank: 9292
Sharpe Ratio Rank
UFCS Sortino Ratio Rank: 9494
Sortino Ratio Rank
UFCS Omega Ratio Rank: 9191
Omega Ratio Rank
UFCS Calmar Ratio Rank: 9595
Calmar Ratio Rank
UFCS Martin Ratio Rank: 9595
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for United Fire Group, Inc. (UFCS) and compare them to S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.


UFCSBenchmarkDifference
Sharpe ratioReturn per unit of total volatility

+0.63

Sortino ratioReturn per unit of downside risk

+1.33

Omega ratioGain probability vs. loss probability

1.43

1.32

+0.11

Calmar ratioReturn relative to maximum drawdown

6.38

2.46

+3.93

Martin ratioReturn relative to average drawdown

18.29

10.92

+7.37

Dividends

Dividend History

United Fire Group, Inc. provided a 1.43% dividend yield over the last twelve months, with an annual payout of $0.72 per share. The company has been increasing its dividends for 4 consecutive years.


2.00%3.00%4.00%5.00%6.00%7.00%8.00%$0.00$1.00$2.00$3.00$4.0020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$0.72$0.64$0.64$0.64$0.63$0.60$1.14$1.30$4.21$1.09$0.97$0.86

Dividend yield

1.43%1.76%2.25%3.18%2.30%2.59%4.54%2.97%7.59%2.39%1.97%2.24%

Monthly Dividends

The table displays the monthly dividend distributions for United Fire Group, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.20$0.00$0.00$0.00$0.20$0.40
2025$0.00$0.00$0.16$0.00$0.00$0.16$0.00$0.16$0.00$0.00$0.00$0.16$0.64
2024$0.00$0.00$0.16$0.00$0.16$0.00$0.00$0.16$0.00$0.00$0.16$0.00$0.64
2023$0.00$0.00$0.16$0.00$0.00$0.16$0.00$0.16$0.00$0.00$0.16$0.00$0.64
2022$0.00$0.00$0.15$0.00$0.00$0.16$0.00$0.00$0.16$0.00$0.00$0.16$0.63
2021$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.15$0.60

Dividend Yield & Payout


Dividend Yield

United Fire Group, Inc. has a dividend yield of 1.43%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.

Payout Ratio

United Fire Group, Inc. has a payout ratio of 12.49%, which is below the market average. This means United Fire Group, Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the United Fire Group, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the United Fire Group, Inc. was 69.89%, occurring on Nov 20, 2008. Recovery took 1741 trading sessions.


Related event

Drawdown

Fall

Recovery

Underwater

Financial crisis2007–2009
-69.89%Nov 2008
3y 7d6y 11mo
9y 11moNov 2005 - Oct 2015
Dot-com crash2000–2002
-64.71%Jun 2000
2y 7mo3y 2mo
5y 9moDec 1997 - Sep 2003
2020 bear market2020
-64.51%Nov 2020
2y 3mo5y 6mo
7y 9moAug 2018 - May 2026
1991 bear market1991
-25.89%Aug 1991
4mo 4d7mo 27d
12mo 1dApr 1991 - Mar 1992
1996 bear market1996
-24.67%Dec 1996
5mo 24d6mo
11mo 24dJun 1996 - Jun 1997

Drawdown Indicators


UFCSBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-69.89%

-56.78%

-13.11%

Max Drawdown (1Y)

Largest decline over 1 year

-12.24%

-9.10%

-3.14%

Max Drawdown (3Y)

Largest decline over 3 years

-24.94%

-18.90%

-6.04%

Max Drawdown (5Y)

Largest decline over 5 years

-47.99%

-25.43%

-22.56%

Max Drawdown (10Y)

Largest decline over 10 years

-64.51%

-33.92%

-30.59%

Current Drawdown

Current decline from peak

0.00%

-3.21%

+3.21%

Average Drawdown

Average peak-to-trough decline

-26.46%

-10.71%

-15.75%

Ulcer Index

Depth and duration of drawdowns from previous peaks

4.32%

2.04%

+2.28%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of United Fire Group, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how United Fire Group, Inc. is priced in the market compared to other companies in the Insurance - Property & Casualty industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for UFCS, comparing it with other companies in the Insurance - Property & Casualty industry. Currently, UFCS has a P/E ratio of 7.6. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for UFCS compared to other companies in the Insurance - Property & Casualty industry. UFCS currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for UFCS relative to other companies in the Insurance - Property & Casualty industry. Currently, UFCS has a P/S ratio of 0.7. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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