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Stocks · Financials · Fire, Marine & Casualty Insurance

UNITED FIRE GROUP INC

UFCS Clue Score64
United States Fiscal year ends December CIK 0000101199
$55.14 -2.23% Close, 9 Oct 2026
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Price $55.14 +149.50% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue996.4Net income49.9EPS, diluted1.93Fiscal year 2017Revenue1,052.7 +5.7%Net income51.0 +2.2%EPS, diluted1.99 +3.1%Fiscal year 2018Revenue1,070.2 +1.7%Net income27.7 −45.8%EPS, diluted1.08 −45.7%Fiscal year 2019Revenue1,201.2 +12.2%Net income14.8 −46.4%EPS, diluted0.58 −46.3%Fiscal year 2020Revenue1,068.6 −11.0%Net income−112.7 −860.5%EPS, diluted−4.50 −875.9%Fiscal year 2021Revenue1,066.2 −0.2%Net income80.6EPS, diluted3.16Fiscal year 2022Revenue980.3 −8.1%Net income15.0 −81.3%EPS, diluted0.59 −81.3%Fiscal year 2023Revenue1,095.5 +11.7%Net income−29.7 −297.6%EPS, diluted−1.18 −300.0%Fiscal year 2024Revenue1,253.3 +14.4%Net income62.0EPS, diluted2.39Fiscal year 2025Revenue1,386.4 +10.6%Net income118.2 +90.8%EPS, diluted4.48 +87.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 996.4 1,052.7 1,070.2 1,201.2 1,068.6 1,066.2 980.3 1,095.5 1,253.3 1,386.4
Growth +5.7% +1.7% +12.2% −11.0% −0.2% −8.1% +11.7% +14.4% +10.6%
Net income 49.9 51.0 27.7 14.8 −112.7 80.6 15.0 −29.7 62.0 118.2
Growth +2.2% −45.8% −46.4% −860.5% −81.3% −297.6% +90.8%
EPS, diluted 1.93 1.99 1.08 0.58 −4.50 3.16 0.59 −1.18 2.39 4.48
Growth +3.1% −45.7% −46.3% −875.9% −81.3% −300.0% +87.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin5.0%Fiscal year 2017Net margin4.8%Fiscal year 2018Net margin2.6%Fiscal year 2019Net margin1.2%Fiscal year 2020Net margin−10.5%Fiscal year 2021Net margin7.6%Fiscal year 2022Net margin1.5%Fiscal year 2023Net margin−2.7%Fiscal year 2024Net margin4.9%Fiscal year 2025Net margin8.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 5.0% 4.8% 2.6% 1.2% −10.5% 7.6% 1.5% −2.7% 4.9% 8.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2016Operating cash flow214.4Buybacks−3.7Dividends paid−24.6Fiscal year 2017Operating cash flow170.1Buybacks−29.8Dividends paid−27.3Fiscal year 2018Operating cash flow110.1Buybacks−5.4Dividends paid−105.4Fiscal year 2019Operating cash flow93.8Buybacks−11.7Dividends paid−32.7Fiscal year 2020Operating cash flow41.4Buybacks−2.7Dividends paid−28.5Fiscal year 2021Operating cash flow29.9Buybacks−2.0Dividends paid−15.1Fiscal year 2022Operating cash flow−1.3Buybacks0.0Dividends paid−15.9Fiscal year 2023Operating cash flow171.7Buybacks0.0Dividends paid−16.2Fiscal year 2024Operating cash flow340.3Dividends paid−16.2Fiscal year 2025Operating cash flow269.7Dividends paid−16.3
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 214.4 170.1 110.1 93.8 41.4 29.9 −1.3 171.7 340.3 269.7
Buybacks −3.7 −29.8 −5.4 −11.7 −2.7 −2.0 0.0 0.0 n/a n/a
Dividends paid −24.6 −27.3 −105.4 −32.7 −28.5 −15.1 −15.9 −16.2 −16.2 −16.3

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash89.2Shareholders’ equity941.9Fiscal year 2017Cash95.6Shareholders’ equity973.4Fiscal year 2018Cash64.5Shareholders’ equity888.4Fiscal year 2019Cash120.7Shareholders’ equity910.5Fiscal year 2020Cash87.9Shareholders’ equity825.1Fiscal year 2021Cash132.1Shareholders’ equity879.1Fiscal year 2022Cash96.7Shareholders’ equity740.1Fiscal year 2023Cash102.0Shareholders’ equity733.7Fiscal year 2024Cash200.9Shareholders’ equity781.5Fiscal year 2025Cash156.3Total debt146.2Net cash (debt)10.1Shareholders’ equity941.2Debt to equity0.16
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 89.2 95.6 64.5 120.7 87.9 132.1 96.7 102.0 200.9 156.3
Total debt n/a n/a n/a n/a n/a n/a n/a n/a n/a 146.2
Net cash (debt) n/a n/a n/a n/a n/a n/a n/a n/a n/a 10.1
Shareholders’ equity 941.9 973.4 888.4 910.5 825.1 879.1 740.1 733.7 781.5 941.2
Debt to equity n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.16

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
5.8% 1.5% −0.9% 1.4% −15.9% 9.1% 1.2% −3.6% 6.1% 10.7%
5.0% 4.8% 2.6% 1.2% −10.5% 7.6% 1.5% −2.7% 4.9% 8.5%
Spending
14.6% −186.7% n/a 12.2% n/a 16.8% −24.5% n/a 19.6% 20.1%
Returns
5.3% 5.2% 3.1% 1.6% −13.7% 9.2% 2.0% −4.0% 7.9% 12.6%
1.2% 1.2% 1.0% 0.5% −3.7% 2.7% 0.5% −0.9% 1.8% 3.1%
Balance and payout
n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.16
76.8% 76.7% 68.5% 69.8% 73.1% 70.8% 74.3% 76.7% 77.6% 75.5%
49.3% 53.6% 381.2% 220.4% n/a 18.7% 105.5% n/a 26.2% 13.8%