UFCS:NGS-United Fire Group Inc (USD)

EQUITY | Insurance - Property & Casualty | Nasdaq Global Select

Last Closing

USD 23.13

Change

+0.08 (+0.35)%

Market Cap

USD 1.17B

Volume

0.05M

Analyst Target

USD 29.50
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

United Fire Group Inc is engaged in the business of writing property and casualty insurance and life insurance and selling annuities. Its operations are divided into two segments: property and casualty insurance and life insurance.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-05-21 )

Largest Industry Peers for Insurance - Property & Casualty

Symbol Name Price(Change) Market Cap
CINF Cincinnati Financial Corporati..

-1.39 (-1.22%)

USD 18.01B
SIGI Selective Insurance Group Inc

-1.17 (-1.28%)

USD 5.73B
PLMR Palomar Holdings Inc

-2.97 (-3.57%)

USD 2.16B
SKWD Skyward Specialty Insurance Gr..

-0.74 (-2.15%)

USD 1.46B
SAFT Safety Insurance Group Inc

-0.61 (-0.81%)

USD 1.14B
ROOT Root Inc

-1.70 (-3.84%)

USD 0.74B
ACIC American Coastal Insurance Cor..

-0.11 (-1.01%)

USD 0.52B
DGICA Donegal Group A Inc

-0.07 (-0.55%)

USD 0.43B
DGICB Donegal Group B Inc

N/A

USD 0.43B
NODK NI Holdings Inc

-0.10 (-0.66%)

USD 0.31B

ETFs Containing UFCS

N/A

Market Performance

  Market Performance vs. Industry/Classification (Insurance - Property & Casualty) Market Performance vs. Exchange (Nasdaq Global Select)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 14.96% 67% D+ 78% C+
Dividend Return 0.80% 38% F 39% F
Total Return 15.76% 67% D+ 78% C+
Trailing 12 Months  
Capital Gain -0.60% 40% F 47% F
Dividend Return 2.75% 25% F 42% F
Total Return 2.15% 40% F 48% F
Trailing 5 Years  
Capital Gain -50.29% 20% F 26% F
Dividend Return 8.62% 43% F 32% F
Total Return -41.67% 20% F 28% F
Average Annual (5 Year Horizon)  
Capital Gain -11.93% 13% F 25% F
Dividend Return -9.60% 13% F 26% F
Total Return 2.32% 33% F 53% F
Risk Return Profile  
Volatility (Standard Deviation) 25.38% 47% F 69% C-
Risk Adjusted Return -37.85% 20% F 24% F
Market Capitalization 1.17B 46% F 65% D

Key Financial Ratios

  Ratio vs. Industry/Classification (Insurance - Property & Casualty) Ratio vs. Market (Nasdaq Global Select)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 16.80 40% 24%
Price/Book Ratio 0.75 100% 80%
Price / Cash Flow Ratio 3.35 69% 42%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity -2.27% 27% 56%
Return on Invested Capital 94.41% 80% 97%
Return on Assets -0.41% 27% 59%
Debt to Equity Ratio 6.81% 88% 75%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.