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United Fire Group

UFCS

United Fire Group Inc. is a property and casualty insurance provider that offers a diverse range of commercial and personal insurance products and reinsurance.

Market cap
$1.32B+94.0%
Revenue$1.4B+10.6%
Net income$130.5M+97.3%
Free cash flow$286.4M-12.7%
EPS (diluted)$4.96+96.1%
Trailing twelve months · change vs. prior year

Earnings

Next report

Aug 3, 2026 (In 5 days)
Revenue estimate$347.8M
EPS estimate$0.72

Financials

Q1 2026

Income statement

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Revenue$369.4M+11.6%
Net income$30.1M+69.8%
EPS (diluted)$1.15+71.6%

Balance sheet

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Cash & equivalents$162.0M-11.8%
Total debt$146.3M
Total equity$950.6M+16.3%
Total assets$3.9B+10.8%

Cash flow

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Operating cash flow$56.6M+58.7%
CapEx$384.0K-84.6%
Free cash flow$56.2M+69.5%

Valuation & ratios

Valuation

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Market cap$1.32B+94.0%
Enterprise value$1.3B
P/E10.1×+2.7×
P/S0.9×+0.4×

Profitability

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Net margin9.2%+4.0pp
FCF margin20.1%-5.4pp

Returns & leverage

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Return on equity14.8%+6.3pp
Debt / equity0.2×

Competitors

Profile

United Fire Group Inc. is a property and casualty insurance provider that offers a diverse range of commercial and personal insurance products and reinsurance. The company delivers value through a multi-channel distribution strategy including direct writing, treaty reinsurance, and participation in the Lloyd's of London marketplace. Its core focus is on providing risk management solutions for small-to-mid-sized commercial accounts across the United States.

Competitive position

A regional property and casualty insurer with a significant presence in the Midwest and Sun Belt, leveraging a diversified portfolio of commercial lines and global reinsurance participation.

GeographiesUnited States, Texas, California, Iowa, New Jersey, Missouri, United Kingdom
Customer segmentsSmall and Medium Enterprises, Insurance Companies
Business modelUnderwriting, B2B Insurance, Reinsurance Assumed
SuppliersCapital markets, Actuarial data providers, Managing General Agents (MGAs)
CustomersIndependent insurance agencies, Commercial business owners, Primary insurance carriers
Listed1975
Employees1.1K
CEOKevin James Leidwinger
FilingsSEC EDGAR

Questions, answered.

What is United Fire Group's market cap?
United Fire Group (UFCS) has a market capitalization of $1.3B and trades on NASDAQ.
What is United Fire Group's revenue and profitability?
United Fire Group generated $1.4B in trailing twelve-month revenue with net income of $130.5M, representing a net margin of 9.2%, with free cash flow of $286.4M. These figures are based on the Q1 2026 filing.
Who are United Fire Group's competitors?
United Fire Group's key competitors include Old Republic International Corporation, CNA Financial Corporation, The Travelers Companies, Inc., and others. These companies compete in similar markets and product categories.
Who does United Fire Group partner with?
United Fire Group's notable partners include Lloyd's of London.
What subsidiaries does United Fire Group have?
United Fire Group's subsidiaries include McIntyre Cedar Corporate Member LLP.
Where is United Fire Group headquartered?
United Fire Group is headquartered in United States of America and employs approximately 1,091 people. It has been publicly traded since 1975.