UNITED FIRE GROUP INC (UFCS)
Financials · Property and Casualty Insurance · NASDAQ
Regional property and casualty insurer serving small to mid-market businesses through 850 independent agencies, emphasizing underwriting discipline over growth at any cost.
What UNITED FIRE GROUP INC does
United Fire Group is a property and casualty insurance company founded in 1946 that writes commercial and personal lines insurance through a network of approximately 850 independent agencies across all 50 states and D.C. The company's primary offerings include tailored commercial packages for small and middle-market businesses covering fire, liability, auto, workers' compensation, and surety bonds, alongside specialty products like marine, professional liability, and earthquake coverage through managing general agents. The company also participates in reinsurance markets, including through Lloyd's of London membership via its McIntyre Cedar subsidiary.
Themes: ["Commercial property and casualty insurance","Small and mid-market business insurance","Regional insurance carrier","Independent agent distribution","Underwriting discipline / profitable growth","Reinsurance marketplace participation"]
Fundamentals
- Price$51.95 as of 2026-07-09 close
- Market cap$1.3B as of 2026-07-10
- 1-year return+88.9% as of 2026-07-09 close
- P/E10.18 as of 2026-07-10
- Net margin+9.2% as of 2026-07-10
- ROE+14.4% as of 2026-07-10
- Debt / equity0.15 as of 2026-07-10
- Revenue growth (YoY)+10.6% as of 2026-07-10
- Revenue CAGR (3y)+12.2% SEC XBRL
- Beta0.52 as of 2026-07-10
Dividend: yield +1.5%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Catastrophe exposure: unpredictable frequency and severity of natural disasters (hail, tornadoes, hurricanes, windstorms) and changing climate patterns adversely impact loss experience and financial condition.","Competitive pricing pressure: larger national competitors with greater resources may price more effectively, develop superior products, or implement better technology and data analytics, putting UFG at a disadvantage.","Loss reserve adequacy: reserves for property and casualty losses are based on estimates and may prove inadequate due to rising claim costs from litigation, broader liability definitions, and larger jury awards."]
Competitors & peers
- State Auto Financial Services (STAF)
- Hanover Insurance Group (HNW)
- Heritage Insurance Holdings (HRTG)
- Selective Insurance (SIGI)
- Kemper Corporation (KMPR)
- National General Holdings (NGHC)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.