United Fire Group Inc. (UFCS)
United Fire Statistics
Share Statistics
United Fire has 25.39M shares outstanding. The number of shares has increased by 0.34% in one year.
| Shares Outstanding | 25.39M |
| Shares Change (YoY) | 0.34% |
| Shares Change (QoQ) | 0.16% |
| Owned by Institutions (%) | 64.26% |
| Shares Floating | 21.32M |
| Failed to Deliver (FTD) Shares | 5 |
| FTD / Avg. Volume | < 0.01% |
Short Selling Information
The latest short interest is 223.26K, so 0.88% of the outstanding shares have been sold short.
| Short Interest | 223.26K |
| Short % of Shares Out | 0.88% |
| Short % of Float | 1.51% |
| Short Ratio (days to cover) | 1.97 |
Valuation Ratios
The PE ratio is 11.63 and the forward PE ratio is 9.96. United Fire's PEG ratio is -0.04.
| PE Ratio | 11.63 |
| Forward PE | 9.96 |
| PS Ratio | 0.58 |
| Forward PS | 0.5 |
| PB Ratio | 0.92 |
| P/FCF Ratio | 2.19 |
| PEG Ratio | -0.04 |
Enterprise Valuation
United Fire has an Enterprise Value (EV) of 636.46M.
| EV / Sales | 0.51 |
| EV / EBITDA | 6.68 |
| EV / EBIT | 1.87 |
| EV / FCF | 1.94 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.15.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.15 |
| Debt / EBITDA | 1.23 |
| Debt / FCF | 0.36 |
| Interest Coverage | 10.58 |
Financial Efficiency
Return on Equity is 7.93% and Return on Invested Capital is 7.6%.
| Return on Equity | 7.93% |
| Return on Assets | 1.78% |
| Return on Invested Capital | 7.6% |
| Revenue Per Employee | $1.43M |
| Profits Per Employee | $70.65K |
| Employee Count | 877 |
| Asset Turnover | 0.36 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 15.08M |
| Effective Tax Rate | 19.57% |
Stock Price Statistics
The stock price has increased by 19.3% in the last 52 weeks. The beta is 0.33, so United Fire's price volatility has been higher than the market average.
| Beta | 0.33 |
| 52-Week Price Change | 19.3% |
| 50-Day Moving Average | 27.51 |
| 200-Day Moving Average | 24.46 |
| Relative Strength Index (RSI) | 46.51 |
| Average Volume (20 Days) | 132.73K |
Income Statement
In the last 12 months, United Fire had revenue of 1.25B and earned 61.96M in profits. Earnings per share was 2.45.
| Revenue | 1.25B |
| Gross Profit | 1.25B |
| Operating Income | 77.03M |
| Net Income | 61.96M |
| EBITDA | 95.22M |
| EBIT | 84.31M |
| Earnings Per Share (EPS) | 2.45 |
Balance Sheet
The company has 200.95M in cash and 117.06M in debt, giving a net cash position of 83.89M.
| Cash & Cash Equivalents | 200.95M |
| Total Debt | 117.06M |
| Net Cash | 83.89M |
| Retained Earnings | 620.44M |
| Total Assets | 3.49B |
| Working Capital | 0 |
Cash Flow
In the last 12 months, operating cash flow was 340.3M and capital expenditures -11.87M, giving a free cash flow of 328.43M.
| Operating Cash Flow | 340.3M |
| Capital Expenditures | -11.87M |
| Free Cash Flow | 328.43M |
| FCF Per Share | 12.97 |
Margins
Gross margin is 100.12%, with operating and profit margins of 6.15% and 4.95%.
| Gross Margin | 100.12% |
| Operating Margin | 6.15% |
| Pretax Margin | 6.15% |
| Profit Margin | 4.95% |
| EBITDA Margin | 7.61% |
| EBIT Margin | 6.15% |
| FCF Margin | 26.24% |
Dividends & Yields
UFCS pays an annual dividend of $0.8, which amounts to a dividend yield of 2.29%.
| Dividend Per Share | $0.80 |
| Dividend Yield | 2.29% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 33.47% |
| Earnings Yield | 8.6% |
| FCF Yield | 45.59% |
Analyst Forecast
The average price target for UFCS is $30, which is 10.3% higher than the current price. The consensus rating is "Hold".
| Price Target | $30 |
| Price Target Difference | 10.3% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
Stock Splits
The last stock split was on Dec 16, 2004. It was a forward split with a ratio of 2:1.
| Last Split Date | Dec 16, 2004 |
| Split Type | forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | 0.84 |
| Piotroski F-Score | 5 |