United Fire Group (UFCS) Financials

$52.80

$-2.18 (-3.97%)

As on 09-Sep-2026 13:33EDT

Market cap

$1,439 Mln

Revenue (TTM)

$1,473 Mln

P/E Ratio

10.4

P/B Ratio

1.5

Div. Yield

1.3 %

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Operating Revenue	1,472.99	1,386.41	1,251.86	1,098.33	988.22	1,056.49
Cost of Revenue	882.89	764.40	1,025.94	1,014.41	850.38	855.59
Gross Profit	802.38	622.01	225.92	83.93	137.84	200.91
Operating Expenses	625.54	474.07	148.88	123.65	125.76	104.06
Operating Profit (EBIT)	176.84	147.94	77.03	-39.72	12.08	96.84
Other Income	--	--	--	--	--	-39.90
Profit before Tax	176.84	147.94	77.03	-39.72	12.08	96.84
Provision for Tax	35.88	29.75	15.08	-10.02	-2.95	16.25
Profit after Tax (Net Income)	140.96	118.19	61.96	-29.70	15.03	80.59
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	--	15.03	80.59

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Shareholder's Funds	977.34	941.17	781.53	733.75	740.11	2,935.97
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	2,766.45	314.58	2,484.25	2,267.81	2,048.59	76.75
Current Liabilities	1.51	2,585.04	1,746.77	142.64	1,458.47	1,500.79
Total Liabilities	4,015.87	3,840.79	3,488.47	3,144.19	2,882.29	3,012.72

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Non-Current Assets	150.77	1,778.86	3,488.47	152.48	153.97	2,077.20
Current Assets	739.14	2,061.93	2,825.88	566.94	462.65	609.34
Total Assets	4,753.50	3,840.79	3,488.47	3,144.19	2,882.29	3,012.72
Total Debt*	146.35	146.20	117.06	50.00	50.00	58.30
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Cash From Operating Activities	--	269.74	340.30	171.74	-1.25	29.92
Cash Flow from Investing Activities	--	-325.96	-292.49	-149.89	-19.17	31.73
Cash from Financing Activities	--	11.60	51.09	-16.45	-15.03	-17.49
Net Cash Inflow / Outflow	--	--	--	--	--	44.16

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Adjusted EPS ($)	5.37	4.47	2.38	-1.17	0.59	3.19
Cash EPS ($)	--	4.88	2.80	-0.87	0.89	3.45
Adjusted Book Value ($)	--	35.58	30.08	28.81	29.06	116.11
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	10.20	13.10	6.74	-0.05	1.18
Free Cash Flow per Share ($)	--	9.95	12.64	6.32	-0.13	0.63

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
ROCE (%)	--	11.90	7.37	-3.77	0.79	2.67
ROE (%)	14.69	13.72	8.18	-4.03	0.82	2.72
ROA (%)	2.70	3.23	1.87	-0.99	0.51	2.65
EBIT Margin (%)	12.87	11.48	6.74	-3.32	1.54	9.47
Net Margin (%)	9.57	8.52	4.95	-2.70	1.52	7.93
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Revenue Growth (%)	11.39	0.11	0.14	0.11	-0.06	-0.02
EBIT Growth (%)	50.99	88.82	331.25	-338.85	-84.74	159.01
Net Profit Growth (%)	53.49	90.76	308.61	-297.59	-81.35	171.51
EPS Growth (%)	52.86	0.87	3.04	-2.98	-0.81	1.71
Book Value Growth (%)	17.78	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Price / Earnings	10.39	8.14	11.93	-17.25	46.36	7.28
Price / Book Value	1.47	1.02	0.95	0.70	0.94	0.20
Dividend Yield (%)	1.29	--	--	--	--	--
EV/EBITDA	--	-0.98	-12.74	-17.73	28.34	4.81
Close Price ($)	52.44	36.35	28.45	20.12	27.36	23.19
High Price ($)	53.29	37.91	31.70	32.54	37.26	36.40
Low Price ($)	25.79	24.11	18.04	18.41	22.96	19.85
Market Cap ($ Cr)	1,438.99	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debt to Equity	0.15	0.16	0.15	0.07	0.07	0.02
Short term debt to equity ratio	--	0.01	0.01	--	0.01	0.00
Current Ratio	491.12	0.80	1.62	3.97	0.32	0.41
Quick Ratio	491.12	--	--	7.95	0.75	0.78
Interest Coverage	14.96	14.13	11.58	-11.18	4.79	31.39

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debtors to sales (%)	40.71	54.47	55.58	42.32	37.01	45.15
Asset Turnover	0.28	0.38	0.38	0.36	0.34	0.35
Receivable days	--	191.13	169.31	138.09	155.73	176.49
Inventory Days	--	--	-201.80	-215.30	-255.08	-229.97
Payable days	--	--	--	185.55	435.87	350.25
Cash Conversion Cycle	--	--	--	-262.75	-535.22	-403.73

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement ($ Mln)