Discounted Cash Flow
United Fire Group Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $1.1b | $49.9m | $214.4m | 4.4% | $1.97 |
| 2017 | $1.1b (-7.4%) | $51.0m (2.2%) | $170.1m (-20.7%) | 4.8% (10.4%) | $2.03 (3.0%) |
| 2018 | $1.1b (1.7%) | $27.6m (-45.8%) | $110.1m (-35.3%) | 2.6% (-46.7%) | $1.11 (-45.3%) |
| 2019 | $1.2b (12.2%) | $14.8m (-46.4%) | $93.8m (-14.9%) | 1.2% (-52.2%) | $0.59 (-46.8%) |
| 2020 | $1.1b (-11.0%) | $-112.7m (-860.5%) | $41.4m (-55.8%) | -10.5% (-954.8%) | $-4.50 (-862.7%) |
| 2021 | $1.1b (-0.2%) | $80.6m (171.5%) | $29.9m (-27.8%) | 7.6% (171.7%) | — |
| 2022 | $980.3m (-8.1%) | $15.0m (-81.3%) | $-3.4m (-111.3%) | 1.5% (-79.7%) | — |
| 2023 | $1.1b (11.7%) | $-29.7m (-297.6%) | $160.8m (4847.6%) | -2.7% (-276.8%) | — |
| 2024 | $1.3b (14.4%) | $62.0m (308.6%) | $328.4m (104.2%) | 4.9% (282.3%) | $2.45 |
| 2025 | $1.4b (10.6%) | $118.2m (90.8%) | $263.3m (-19.8%) | 8.5% (72.4%) | $4.64 (89.4%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.