UFCS vs. AVO

Last updated Jun 4, 2026

UFCS (United Fire Group, Inc.) and AVO (Mission Produce, Inc.) are both stocks. UFCS operates in Insurance - Property & Casualty (Financial Services), while AVO operates in Farm Products (Consumer Defensive). Over the past 5 years, UFCS returned 9.72%/yr vs -11.41%/yr for AVO. At a 0.25 correlation, their price movements are largely independent.

Performance

UFCS vs. AVO - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in United Fire Group, Inc. (UFCS) and Mission Produce, Inc. (AVO). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, UFCS achieves a 19.42% return, which is significantly higher than AVO's -4.48% return.

UFCS

• 1D: -1.19%
• 1M: 10.07%
• YTD: 19.42%
• 6M: 20.58%
• 1Y: 55.27%
• 3Y*: 27.74%
• 5Y*: 9.72%
• 10Y*: 3.47%

AVO

• 1D: 2.78%
• 1M: -16.88%
• YTD: -4.48%
• 6M: -8.58%
• 1Y: -0.36%
• 3Y*: -4.75%
• 5Y*: -11.41%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

UFCS vs. AVO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
UFCS United Fire Group, Inc.	19.42%	30.48%	45.32%	-24.30%	20.49%	-5.52%	24.76%
AVO Mission Produce, Inc.	-4.48%	-19.28%	42.42%	-13.17%	-25.99%	4.32%	9.06%

Correlation

The correlation between UFCS and AVO is 0.20, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.20
Correlation (3Y) Calculated over the trailing 3-year period	0.27
Correlation (5Y) Calculated over the trailing 5-year period	0.26
Correlation (All Time) Calculated using the full available price history since Oct 2, 2020	0.25

Fundamentals

EPS UFCS : $6.59 AVO : $0.47
PE Ratio UFCS : 6.55 AVO : 23.77
PS Ratio UFCS : 0.60 AVO : 0.59
Total Revenue (TTM) UFCS : $1.43B AVO : $1.34B
Gross Profit (TTM) UFCS : $325.77M AVO : $160.80M
EBITDA (TTM) UFCS : $140.18M AVO : $88.10M

Return for Risk

UFCS vs. AVO — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

UFCS

UFCS Risk / Return Rank: 87
UFCS Sharpe Ratio Rank: 85
UFCS Sortino Ratio Rank: 87
UFCS Omega Ratio Rank: 82
UFCS Calmar Ratio Rank: 90
UFCS Martin Ratio Rank: 91

AVO

AVO Risk / Return Rank: 38
AVO Sharpe Ratio Rank: 40
AVO Sortino Ratio Rank: 35
AVO Omega Ratio Rank: 35
AVO Calmar Ratio Rank: 40
AVO Martin Ratio Rank: 39

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.

UFCS vs. AVO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for United Fire Group, Inc. (UFCS) and Mission Produce, Inc. (AVO). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	UFCS	AVO	Difference
Sharpe ratio Return per unit of total volatility	1.74	-0.01	+1.75
Sortino ratio Return per unit of downside risk	2.92	0.21	+2.71
Omega ratio Gain probability vs. loss probability	1.33	1.03	+0.30
Calmar ratio Return relative to maximum drawdown	4.54	-0.01	+4.55
Martin ratio Return relative to average drawdown	13.26	-0.04	+13.30
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UFCS vs. AVO - Sharpe Ratio Comparison

The current UFCS Sharpe Ratio is 1.74, which is higher than the AVO Sharpe Ratio of -0.01. The chart below compares the historical Sharpe Ratios of UFCS and AVO, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	UFCS	AVO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.74	-0.01	+1.75
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.25	-0.32	+0.57
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.09	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.23	-0.11	+0.33

Drawdowns

UFCS vs. AVO - Drawdown Comparison

The maximum UFCS drawdown since its inception was -69.89%, which is greater than AVO's maximum drawdown of -62.71%. Use the drawdown chart below to compare losses from any high point for UFCS and AVO.

Drawdown Indicators

	UFCS	AVO	Difference
Max Drawdown Largest peak-to-trough decline	-69.89%	-62.71%	-7.18%
Max Drawdown (1Y) Largest decline over 1 year	-12.24%	-29.73%	+17.49%
Max Drawdown (3Y) Largest decline over 3 years	-24.94%	-36.87%	+11.93%
Max Drawdown (5Y) Largest decline over 5 years	-47.99%	-62.71%	+14.72%
Max Drawdown (10Y) Largest decline over 10 years	-64.51%	—	—
Current Drawdown Current decline from peak	-12.24%	-51.17%	+38.93%
Average Drawdown Average peak-to-trough decline	-26.49%	-37.98%	+11.49%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.18%	9.32%	-5.14%

Volatility

UFCS vs. AVO - Volatility Comparison

United Fire Group, Inc. (UFCS) has a higher volatility of 13.84% compared to Mission Produce, Inc. (AVO) at 8.28%. This indicates that UFCS's price experiences larger fluctuations and is considered to be riskier than AVO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UFCS	AVO	Difference
Volatility (1M) Calculated over the trailing 1-month period	13.84%	8.28%	+5.56%
Volatility (6M) Calculated over the trailing 6-month period	21.47%	26.63%	-5.16%
Volatility (1Y) Calculated over the trailing 1-year period	31.90%	33.96%	-2.06%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	39.52%	35.55%	+3.97%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	38.83%	36.17%	+2.66%

Dividends

UFCS vs. AVO - Dividend Comparison

UFCS's dividend yield for the trailing twelve months is around 1.57%, while AVO has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
AVO Mission Produce, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
UFCS United Fire Group, Inc.	1.57%	1.76%	2.25%	3.18%	2.30%	2.59%	4.54%	2.97%	7.59%	2.39%	1.97%	2.24%

Financials

UFCS vs. AVO - Profitability Comparison

The chart below illustrates the profitability comparison between United Fire Group, Inc. and Mission Produce, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

UFCS - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, United Fire Group, Inc. reported a gross profit of 0.00 and revenue of 369.44M. Therefore, the gross margin over that period was 0.0%.

AVO - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Mission Produce, Inc. reported a gross profit of 31.60M and revenue of 278.60M. Therefore, the gross margin over that period was 11.3%.

UFCS - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, United Fire Group, Inc. reported an operating income of 0.00 and revenue of 369.44M, resulting in an operating margin of 0.0%.

AVO - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Mission Produce, Inc. reported an operating income of 2.50M and revenue of 278.60M, resulting in an operating margin of 0.9%.

UFCS - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, United Fire Group, Inc. reported a net income of 30.05M and revenue of 369.44M, resulting in a net margin of 8.1%.

AVO - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Mission Produce, Inc. reported a net income of -700.00K and revenue of 278.60M, resulting in a net margin of -0.3%.

Frequently Asked Questions

Can I hold both UFCS and AVO in my portfolio?

UFCS and AVO have a correlation of 0.20, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, UFCS or AVO?

UFCS has higher volatility (13.84%) compared to AVO (8.28%). In terms of maximum drawdown, UFCS dropped -69.89% vs AVO's -62.71%.

Which has better risk-adjusted returns?

UFCS currently has the higher Sharpe Ratio (1.74 vs -0.01), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.