UNITED FIRE GROUP INC UFCS

Financials SIC 6331 - Fire, Marine & Casualty Insurance NAICS Finance and Insurance › Insurance Carriers and Related Activities › Insurance Carriers › Direct Insurance (except Life, Health, and Medical) Carriers › Direct Property and Casualty Insurance Carriers derived Nasdaq

Last close 57.38 2026-10-23
Market cap $1.47B 2026-06-30 share count
52-week range 29.85 - 58.20

Valuation FY2025 figures against the last close

P/S1.1x
P/E12.8x
P/FCF5.5x
EV/EBITDA—
Dividend yield1.1%
Diluted EPS4.48

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $1.39B$1.25B$1.10B$980.3M$1.07B$1.07B$1.20B$1.07B$1.05B$996.4M
Interest expense $11.3M$7.3M$3.3M$3.2M$3.2M$0$0$0$0$0
Pre-tax income $147.9M$77.0M-$39.7M$12.1M$96.8M-$169.5M$16.9M-$9.2M$15.7M$57.5M
Income tax $29.7M$15.1M$10.0M$3.0M$16.2M$56.8M$2.1M$11.4M$29.2M$8.4M
Net income $118.2M$31.4M-$29.7M$15.0M$80.6M-$112.7M$14.8M$27.6M$51.0M$49.9M
EPS, basic 4.642.45-1.180.60—-4.500.591.112.031.97
EPS, diluted 4.482.39-1.180.59—-4.500.581.081.991.93
Shares, diluted (wtd. avg.) 26.4M25.9M25.2M25.3M25.5M25.0M25.6M25.6M25.6M25.8M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $156.3M$200.9M$102.0M$96.7M$132.1M$87.9M$120.7M$64.5M$95.6M$89.2M
Property, plant and equipment $132.6M$136.0M$134.2M$133.1M$137.7M$129.9M$117.0M$97.2M$69.0M$55.5M
Goodwill ——$0$0$0$0$15.1M$15.1M$15.1M$15.1M
Other intangibles $3.2M$3.9M$4.6M$5.3M$6.0M$6.7M$7.5M$8.2M$8.9M$9.6M
Total assets $3.84B$3.49B$3.14B$2.88B$3.01B$3.07B$3.01B$2.82B$4.18B$4.05B
Total liabilities $2.90B$2.71B$2.41B$2.14B$2.13B$2.24B$2.10B$1.93B$3.21B$3.11B
Retained earnings $722.3M$620.4M$574.7M$620.6M$621.4M$555.9M$697.1M$715.5M$608.7M$616.3M
Total equity $941.2M$781.5M$733.7M$740.1M$879.1M$825.1M$910.5M$888.4M$973.4M$941.9M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $269.7M$340.3M$171.7M-$1.3M$29.9M$41.4M$93.8M$110.1M$170.1M$214.4M
Depreciation and amortisation $10.8M$10.9M$10.5M$7.7M$6.6M$6.7M$11.2M$5.2M$4.6M$6.0M
Stock-based compensation $9.0M$5.5M$3.2M$2.8M$3.4M$5.0M$6.2M$5.2M$4.8M$3.7M
Investing cash flow -$326.0M-$292.5M-$149.9M-$19.2M$31.7M-$92.9M$4.5M-$19.2M-$62.0M-$112.4M
Financing cash flow $11.6M$51.1M-$16.5M-$15.0M-$17.5M$18.7M-$42.0M-$115.2M-$107.5M-$97.6M
Dividends paid $16.3M$16.2M$16.2M$15.9M$15.1M$28.5M$32.7M$105.4M$27.3M$24.6M
Buybacks ——$0$0$2.0M$2.7M$11.7M$5.4M$29.8M$3.7M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000101199-26-000020.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -500M 0 500M 1B 1.5B Revenue, FY2016: 996.4M Net income, FY2016: 49.9M Revenue, FY2017: 1.1B Net income, FY2017: 51M Revenue, FY2018: 1.1B Net income, FY2018: 27.6M Revenue, FY2019: 1.2B Net income, FY2019: 14.8M Revenue, FY2020: 1.1B Net income, FY2020: -112.7M Revenue, FY2021: 1.1B Net income, FY2021: 80.6M Revenue, FY2022: 980.3M Net income, FY2022: 15M Revenue, FY2023: 1.1B Net income, FY2023: -29.7M Revenue, FY2024: 1.3B Net income, FY2024: 31.4M Revenue, FY2025: 1.4B Net income, FY2025: 118.2M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $996.4M $1.05B $1.07B $1.20B $1.07B $1.07B $980.3M $1.10B $1.25B $1.39B
Gross profit — — — — — — — — — —
Net income $49.9M $51.0M $27.6M $14.8M -$112.7M $80.6M $15.0M -$29.7M $31.4M $118.2M

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event Item 8.01
  • Officer or director change Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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