Companies ›Financials ›UFCS.O

UFCS.O — NASDAQ Insurance

Ufcs.O

$54,10

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Last 30 days

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Mcap

1,4B USD

P/E

—

EV / Rev

—

Div yield

1,25 %

Op margin

—

ROE

12,6 %

Net margin

8,5 %

Debt / equity

—

Beta

—

52w range

—

Volume

—

Day range

—

Prev close

$52,05

Open

—

Next earnings

2026-10-28

Ex-dividend

—

TR 1Y

—

About

United Fire Group Inc operates as a multiline insurance and broker within the Financials sector, generating revenue through underwriting and brokerage activities.

Business. United Fire Group Inc operates as a multiline insurance and broker within the Financials sector, generating revenue through underwriting and brokerage activities.

Classification85 %

SectorFinancials

Industry groupInsurance

Generated · model-assisted

Sell-side consensus

BUY2 analysts

1 buy1 hold0 sell

Avg 12m price target40,50

Analyst recommendations

2 analysts · consensus Buy

Buy1

Hold1

Sell0

12-month price target

40,50

Consensus of sell-side coverage.

Upcoming events

EarningsQ3 2026 earnings (expected)2026-10-28 · estimated

See all catalysts →

At a glance

Score

—

not yet scored

Valuation

—

valuation pending

Analysts→

Buy

2 analysts · indicative

Ownership→

Dimensional Fund Advisors, L.P.

largest disclosed fund holder

Profitability→

12,6 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning UFCS.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to UFCS.O. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

United Fire Group Inc operates as a multiline insurance and broker within the Financials sector, generating revenue through underwriting and brokerage activities.

Classification85 %

SectorFinancials

Industry groupInsurance

AI synthesis

GENERATED

United Fire Group Inc maintains a conservative capital structure characterized by zero debt-to-equity, indicating no interest-bearing liabilities relative to shareholder equity. The balance sheet shows total assets of $3.84 billion against total liabilities of $2.90 billion, resulting in total equity of $941.17 million. Liquidity is supported by $156.33 million in cash and equivalents, while operating cash flow stands at $269.74 million. The current ratio is not explicitly provided, but the absence of debt and positive operating cash flow suggests adequate short-term solvency. The market capitalization is $1.31 billion, trading at a price-to-book ratio of 1.39, which implies the market values the company slightly above its book value.

Profitability metrics indicate a return on equity (ROE) of 12.56% and a return on assets (ROA) of 3.08%. The net income of $118.19 million on revenue of $1.39 billion yields a net margin of approximately 8.5%. Without cohort median data for direct comparison, these returns must be evaluated against general insurance industry benchmarks, where ROE above 10% is typically considered healthy. The price-to-earnings ratio of 11.09 suggests the stock is valued moderately relative to its earnings power. The enterprise value-to-revenue ratio of 0.83 indicates that the market values the company at less than one times its annual revenue, reflecting the capital-intensive nature of the insurance business.

Key takeaways

Zero debt-to-equity ratio provides a strong balance sheet with no interest expense burden.
ROE of 12.56% and ROA of 3.08% indicate moderate profitability relative to capital employed.
Current market price of $51.36 exceeds the mean analyst price target of $40.50, implying potential overvaluation.
Low dilution risk is confirmed by identical basic and diluted share counts.
Lack of historical data prevents assessment of growth trends and revenue consistency.
Neutral analyst sentiment with a mean recommendation of 2.50 reflects balanced market views.

Bull / Bear case

analysis pipeline

— missing data

In focus — financials by report

Valuation

Market price

$54,10

Market cap

$1.31B

Enterprise valueⓘ

$1.15B

P/Eⓘ

—

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

4.3x

P / Bⓘ

1.4x

P / Tangible bookⓘ

1.4x

Tangible book

$941.2M

Net cashⓘ

$156.3M

Current ratioⓘ

—

Debt / equityⓘ

—

ROAⓘ

3.1%

ROEⓘ

12.6%

Cash conversionⓘ

228.0%

CapEx / revenueⓘ

—

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

Business relationships14 disclosed relationships · 1 type · extracted from filings & disclosures

Subsidiaries14

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EX21:3214faa2ed0dEX21:3214faa2ed0dSubsidiarie97%

EX21:3d3f773a06f8EX21:3d3f773a06f8Subsidiarie97%

EX21:511518e4e4fbEX21:511518e4e4fbSubsidiarie97%

EX21:798adb3836edEX21:798adb3836edSubsidiarie97%

EX21:961abba17be3EX21:961abba17be3Subsidiarie97%

EX21:a300a6b3e830EX21:a300a6b3e830Subsidiarie97%

EX21:bd101b38ccd9EX21:bd101b38ccd9Subsidiarie97%

EX21:c91efc75695eEX21:c91efc75695eSubsidiarie97%

EX21:d30e4f264aceEX21:d30e4f264aceSubsidiarie97%

EX21:eca6a8269f95EX21:eca6a8269f95Subsidiarie97%

EX21:f8810ceca4a5EX21:f8810ceca4a5Subsidiarie97%

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Next quarternear-term

Earnings · next quarterconf 45 %

EPS

Consensus EPS

3,58

Predicted surprise

+0,00

Beat probability

45 %

Analysts

Other metrics

Revenue

—

no estimate

Segment revenue

—

no estimate

Margin

—

no estimate

Segment margin

—

no estimate

as of 2026-08-01 · Earnings Surprise V1

Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.

Full fiscal year~1 year ahead

Full fiscal year · our forecast vs guidance vs consensus

Metric	Our forecast	Guidance	Consensus
EPS	—no estimate	—no estimate	4,53
Revenue	—no estimate	—no estimate	1,5B USD
Operating income	—no estimate	—no estimate	—no estimate

Full-year consensus mean (period as reported by source) · consensus in USD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.

Corporate eventM&A horizon

M&A probabilityconf 3 %

Probability

3 %

Base rate

3 %

Band

—

180-day horizon · target 2027-01-21 · 1,0× base rate

No acquirer candidates identified by the signal model.

Probabilistic model output — not investment advice. · generated 2026-08-04

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Consensus distribution

sell-side coverage

Recommendation distribution3 analysts

Strong buy0

Buy2

Hold1

Sell0

Strong sell0

12-month price target$45,61 · Median $45,00

Low $34,82High $57,00

EPS surprise

+1,5 %

reported vs consensus · beat

Revenue surprise

−10,2 %

reported vs consensus · miss

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

Low$40,00

Mean$40,50

Median$40,50

High$41,00

Spot$54,10

−25.1 %implied to mean12-month sell-side price targets · ▲ spot

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskLow

Filing-based flags

No immediate filing-based liquidity or dilution flags were detected.

Benchmarks vs cohort

Net Margin8,5 %Below median

ROE12,6 %Above median

D/E0,00Above median

Cash Conv2,28Above P75

Corporate actions / M&A

M&A probabilityconf —

Probability

3 %

Base rate

3 %

Band

Low

180-day horizon · target 2027-01-21 · 1,0× base rate

No acquirer candidates identified by the signal model.

Corporate actionsNo corporate-action source connected yet — splits, dividends and buyback events are not tracked for this company. Honest-dim (no data fabricated).

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Reference data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Cash Conversion Ratio
operating_cash_flow / net_income
Market Price
input from market-data provider (delayed close or quote-shim mid)
Ev To Revenue
enterprise_value / revenue
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Return On Equity
net_income / total_equity
Market Cap
market_price * shares_outstanding_diluted

Source documents

UNITED FIRE GROUP, INC Market data — financials · 2026-08-01
reconciler_enqueue (reconciler) on UFCS.O · 2026-08-01
United Fire Group Inc Market data — analyst estimates · 2026-08-01
UFCS.O HA canonical relationships · 2026-08-01

Ownership & reference

Top holders

Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,01 %$55M
American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,01 %$21M
AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,01 %$16M
Principal Global Investors (Equity)Investment Managers · as of 2026-03-310,00 %$5M
Arrowstreet Capital, Limited PartnershipInvestment Managers · as of 2026-03-310,00 %$5M
Invesco QQQ TrustFunds · as of 2026-03-310,00 %$15M
First Trust Advisors L.P.Investment Managers · as of 2026-03-310,00 %$3M
BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$77M
Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$25M
Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$7M
Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$8M
UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$6M
Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$8M
State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$30M
Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$6M
Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$55M
Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$3M
Franklin Advisers, Inc.Investment Managers · as of 2026-03-310,00 %$3M
AMERIPRISE FINANCIAL INCInstitutional Investor · as of 2026-03-310,00 %$3M
Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$10M
Nuveen LLCInvestment Managers · as of 2024-12-310,00 %$2M
Raymond James & Associates, Inc.Brokerage Firms · as of 2026-03-310,00 %$1M
AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$1M
LPL Financial LLCInvestment Managers · as of 2026-03-310,00 %$1M
T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M
JANUS HENDERSON GROUP PLCInstitutional Investor · as of 2026-03-310,00 %$0M
PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M
FMR LLCInstitutional Investor · as of 2026-03-310,00 %$1M
PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M
JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$0M

Leadership

Kevin James LeidwingerPresident, Chief Executive Officer, Director

Insider activity

Net selling1 buys · 4 sellsnet -$451K18 insiders · last 365d

Vogt Adam MVP - Chief Accounting Officer · Common StockOther 159 @ $53,42$8K · 2026-07-01
MILLIGAN GEORGE DDirector · Common StockBought 4 500 @ $45,23$204K · 2026-06-05
Voss Susan EDirector · Common StockOther 2 082 @ $48,04$100K · 2026-05-20
NOYCE JAMESDirector · Common StockOther 2 082 @ $48,04$100K · 2026-05-20
McBride Lura EDirector · Common StockOther 2 082 @ $48,04$100K · 2026-05-20
MILLIGAN GEORGE DDirector · Common StockOther 2 082 @ $48,04$100K · 2026-05-20
Green Mark A.Director · Common StockOther 2 082 @ $48,04$100K · 2026-05-20
Foran Matthew RDirector · Common StockOther 2 082 @ $48,04$100K · 2026-05-20
Drahozal Christopher RDirector · Common StockOther 2 082 @ $48,04$100K · 2026-05-20
Clancy Brenda KayDirector · Common StockOther 2 082 @ $48,04$100K · 2026-05-20
Carlton Scott LDirector · Common StockOther 2 082 @ $48,04$100K · 2026-05-20
Spencer Gilda LivingstonDirector · Common StockOther 2 082 @ $48,04$100K · 2026-05-20
Hernandez Steven DennisChief Human Resources Officer · Common StockOther 485 @ $48,06$23K · 2026-05-15
Leidwinger Kevin JamesDirector, Director, CEO · Common StockOther 1 309 @ $36,40$48K · 2026-03-20
Madsen Sarah EChief Legal Officer · Common StockOther 613 @ $36,40$22K · 2026-03-20
Stephenson Julie AExecutive VP & COO · Common StockOther 1 692 @ $36,40$62K · 2026-03-20
Martin Eric JChief Financial Officer · Common StockOther 1 069 @ $36,40$39K · 2026-03-20
Leidwinger Kevin JamesDirector, Director, CEO · Common StockOther 3 925 @ $36,40$143K · 2026-03-20
Hernandez Steven DennisChief Human Resources Officer · Common StockOther 2 858 @ $36,87$105K · 2026-03-15
Drahozal Christopher RDirector · Common StockSold 4 250 @ $38,49$164K · 2026-03-04
Drahozal Christopher RDirector · Common StockSold 4 250 @ $37,94$161K · 2026-03-03
McIntyre Dee Ann10% owner · UFCS Common StockSold 4 250 @ $38,84$165K · 2026-03-02
Rawlins Brian KeithSVP - Chief Claim Officer · Common StockOther 721 @ $38,86$28K · 2026-03-02
Drahozal Christopher RDirector · Common StockSold 4 250 @ $38,84$165K · 2026-03-02
Stephenson Julie AExecutive VP & COO · Common StockOther 862 @ $37,72$33K · 2026-02-24

Short positioning

312.0Kshares short-26.3% vs prior

1.98days to cover

61.0%short of daily vol

10fails-to-deliver

as of 2026-07-15 · short-interest report (free)

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

UFCS.OCanonical

NASDAQ · USD

Intel & risk

PredictorBeat prob45 %Surprise+0,00M&A prob3 %Full forecast →

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskLow

No immediate filing-based liquidity or dilution flags were detected.

Relationship graph

This companySectorSubsidiaries

Evidence & claims

From filings & derived data

Operating cash flow (annual): USD 269.74MUnknown
Net income (annual): USD 118.19MUnknown
Shares outstanding (annual): 25.52MUnknown
Long-term debt (annual): USD 146.2MUnknown
Shareholders' equity (annual): USD 941.17MUnknown
Interest expense (annual): USD 11.27MUnknown
Cash & equivalents (annual): USD 156.33MUnknown
Total liabilities (annual): USD 2.9BUnknown
Total assets (annual): USD 3.84BUnknown
Revenue (annual): USD 1.39BUnknown
EPS (diluted) (annual): USD-PER-SHARES 4Unknown
EPS (basic) (annual): USD-PER-SHARES 5Unknown
Pre-tax income (annual): USD 147.94MUnknown
Cash & equivalents (annual): USD 200.95MUnknown
Shareholders' equity (annual): USD 781.53MUnknown
Total liabilities (annual): USD 2.71BUnknown
Pre-tax income (annual): USD 77.03MUnknown
Revenue (annual): USD 1.25BUnknown
Operating cash flow (annual): USD 340.3MUnknown
Net income (annual): USD 31.44MUnknown
Interest expense (annual): USD 7.28MUnknown
Shares outstanding (annual): 25.38MUnknown
EPS (diluted) (annual): USD-PER-SHARES 2Unknown
EPS (basic) (annual): USD-PER-SHARES 2Unknown

Showing 24 of 25 surfaced claims.

Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

The Thread

Everything we know, in order

2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date

2026-08-03 00:00 UTCTRANSCRIPTEarnings call — Q3 2026

2026-08-03EVENTQ2 2026 earnings (expected) estimated date

2026-07-01INSIDERVogt Adam M transacted 159 sh — VP - Chief Accounting Officer ~$8k

2026-06-30 03:38 UTCEARNINGSUpcomingForecast: ma_probability (180d)

2026-06-26 03:13 UTCHOLDERInstitutional holding changed

2026-06-26 03:13 UTCHOLDER1 institutional position change flagged (1 major)

2026-06-25 03:10 UTCHOLDERInstitutional holding changed

2026-06-25 03:10 UTCHOLDER1 institutional position change flagged (1 major)

2026-06-05 00:00 UTCINSIDER1 insider transaction — 2026-06 · net buy $204k

2026-06-05INSIDERMILLIGAN GEORGE D bought 4.5k sh — Director ~$204k

2026-05-26FILING8-K filing →

2026-05-20 00:00 UTCINSIDER11 insider transactions — 2026-05 · net buy $977k

2026-05-20FILING8-K filing →

2026-05-20INSIDERVoss Susan E transacted 2.1k sh — Director ~$100k

2026-05-20INSIDERNOYCE JAMES transacted 2.1k sh — Director ~$100k

2026-05-20INSIDERMcBride Lura E transacted 2.1k sh — Director ~$100k

2026-05-20INSIDERMILLIGAN GEORGE D transacted 2.1k sh — Director ~$100k

2026-05-20INSIDERGreen Mark A. transacted 2.1k sh — Director ~$100k

2026-05-20INSIDERForan Matthew R transacted 2.1k sh — Director ~$100k

2026-05-20INSIDERDrahozal Christopher R transacted 2.1k sh — Director ~$100k

2026-05-20INSIDERClancy Brenda Kay transacted 2.1k sh — Director ~$100k

2026-05-20INSIDERCarlton Scott L transacted 2.1k sh — Director ~$100k

2026-05-20INSIDERSpencer Gilda Livingston transacted 2.1k sh — Director ~$100k

2026-05-15INSIDERHernandez Steven Dennis transacted 485 sh — Chief Human Resources Officer ~$23k

2026-05-06FILING10-Q filing →

2026-05-05FILING8-K filing →

2026-04-21FILING8-K filing →

2026-04-07FILINGDEF 14A filing →

2026-03-20 00:00 UTCINSIDER11 insider transactions — 2026-03 · net sell $1.1M

2026-03-20INSIDERLeidwinger Kevin James transacted 1.3k sh — Director, Director, CEO ~$48k

2026-03-20INSIDERMadsen Sarah E transacted 613 sh — Chief Legal Officer ~$22k

2026-03-20INSIDERStephenson Julie A transacted 1.7k sh — Executive VP & COO ~$62k

2026-03-20INSIDERMartin Eric J transacted 1.1k sh — Chief Financial Officer ~$39k

2026-03-20INSIDERLeidwinger Kevin James transacted 3.9k sh — Director, Director, CEO ~$143k

2026-03-15INSIDERHernandez Steven Dennis transacted 2.9k sh — Chief Human Resources Officer ~$105k

2026-03-04INSIDERDrahozal Christopher R sold 4.2k sh — Director ~$164k

Showing the 40 most recent of 53 entries.

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Reference data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

Analyst recommendations

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Consensus distribution

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Top holders

Leadership

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread