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Founded in 1946, United Fire Group, Inc. ("UFG", the "Registrant", the "Company", "we", "us", or "our") and its subsidiaries are engaged in the business of writing property and casualty insurance through a network of independent agencies. Our insurance company subsidiaries are currently licensed as property and casualty insurers in all 50 states, plus the District of Columbia.
$51.09
+$1.10 (+2.20%)
EOD Jul 17, 2026
Net margin is thin at 8.54%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 10.4% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
10.3x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$1.42B
▲ +10.4% YoY
Net Income (TTM)
$131M
▲ +90.8% YoY
Net Margin
9.18%
P/E
10.3x
Balance Sheet
Total Assets
$3.91B
Equity
$951M
Total Debt
$146M
Cash & Equiv.
$162M
5Y CAGR: +5.3%
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At a P/E of 10.3 and a price-to-free-cash-flow of 4.7, United Fire Group (UFCS) trades below a two-stage DCF intrinsic value of about $554.47 per share, so at $51.09 the stock looks undervalued (985.3% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, United Fire Group scores 80/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.3%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $554.47 per share for UFCS, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $415.85. At today's $51.09, that puts the stock about 985.3% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
United Fire Group scores 80 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, United Fire Group pays a regular dividend of about $0.67 per share per year (typically in quarterly installments), a yield of roughly 1.3% at the current price. That is a payout ratio of about 13.3% of earnings, so the dividend is amply covered by earnings. United Fire Group has grown the dividend at roughly 2.0% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For UFCS's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. UFCS currently trades below its estimated intrinsic value and scores 80/100 on quality (high-quality). It also yields about 1.3%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.