← UNITED FIRE GROUP INC UFCS
Market Price
$54.25
Market Cap
$1.38B
P/E Ratio
12.11
Revenue (FY 2025)
↑10.6% YoY
$1.39B
3-Yr CAGR: 12.2%
Net Income
↑90.8% YoY
$118.19M
Net Margin: 8.5%
Free Cash Flow
↓-19.8% YoY
$263.30M
FCF Yield: 19.11%
EPS (Diluted)
↑87.4% YoY
$4.48
Basic: $4.64
Return on Equity
Efficiency
12.6%
ROA: 3,696.9%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (UFCS)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $1,136.9M | — | $484.5M | $49.9M | — | $1.93 | — | $214.4M | $214.4M | — |
| FY 2017 | $1,052.7M | -7.4% | $327.0M | $51.0M | +2.2% | $1.99 | +3.1% | $170.1M | $170.1M | -20.7% |
| FY 2018 | $1,070.2M | +1.7% | $338.6M | $27.6M | -45.8% | $1.08 | -45.7% | $110.1M | $110.1M | -35.3% |
| FY 2019 | $1,201.2M | +12.2% | $371.0M | $14.8M | -46.4% | $0.58 | -46.3% | $93.8M | $93.8M | -14.9% |
| FY 2020 | $1,068.6M | -11.0% | $199.2M | $-112.7M | -860.5% | $-4.50 | -875.9% | $41.4M | $41.4M | -55.8% |
| FY 2021 | $1,066.2M | -0.2% | $410.8M | $80.6M | +171.5% | — | — | $29.9M | $29.9M | -27.8% |
| FY 2022 | $980.3M | -8.1% | $339.8M | $15.0M | -81.3% | — | — | $-1.3M | $-3.4M | -111.3% |
| FY 2023 | $1,095.5M | +11.7% | $322.8M | $-29.7M | -297.6% | — | — | $171.7M | $160.8M | +4,847.6% |
| FY 2024 | $1,253.3M | +14.4% | $501.4M | $62.0M | +308.6% | $2.39 | — | $340.3M | $328.4M | +104.2% |
| FY 2025 | $1,386.4M | +10.6% | $610.7M | $118.2M | +90.8% | $4.48 | +87.4% | $269.7M | $263.3M | -19.8% |
Valuation
Market Price
$54.25
Market Cap
$1.38B
Enterprise Value
N/A
P/E Ratio
12.11
P/B Ratio
1.48
FCF Yield
19.11%
Dividend Yield
1.18%
Shares Outstanding
Profitability & Margins
Gross Margin
44.05%
Operating Margin
9.92%
Net Margin
8.52%
Return on Equity (ROE)
12.56%
Return on Assets (ROA)
3,696.93%
Asset Turnover
433.66x
Revenue 3-Yr CAGR
12.25%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$156.33M
Total Debt
N/A
Book Value / Share
$36.68
Cash Flow Efficiency
Operating Cash Flow
$269.74M
Capital Expenditures (CapEx)
$6.45M
Free Cash Flow
$263.30M
OCF / Revenue
19.46%
FCF / Revenue
18.99%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
$4.48
EPS (Basic)
$4.64
Dividends / Share
$0.64
Book Value / Share
$36.68
EPS YoY Growth
87.45%
Balance Sheet (FY 2025)
Total Assets
$3.20M
Total Liabilities
$2.90B
Stockholders' Equity
$941.17M
Current Assets
N/A
Current Liabilities
N/A