United Fire Group Stock Net Income
| UFCS Stock | USD 34.35 0.88 2.50% |
As of the 25th of January, United Fire has the Risk Adjusted Performance of 0.0693, semi deviation of 1.14, and Coefficient Of Variation of 1169.54. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of United Fire Group, as well as the relationship between them. Please validate United Fire Group coefficient of variation, treynor ratio, as well as the relationship between the Treynor Ratio and semi variance to decide if United Fire is priced more or less accurately, providing market reflects its prevalent price of 34.35 per share. Given that United Fire Group has jensen alpha of 0.1274, we advise you to double-check United Fire Group's current market performance to make sure the company can sustain itself at a future point.
United Fire Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 0.5828 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 71.3 M | 74.8 M | |
| Net Income Applicable To Common Shares | 13.5 M | 12.9 M | |
| Net Income From Continuing Ops | 55.8 M | 58.5 M | |
| Net Income Per Share | 2.20 | 2.31 | |
| Net Income Per E B T | 0.72 | 0.54 |
United | Net Income | Build AI portfolio with United Stock |
Latest United Fire's Net Income Growth Pattern
Below is the plot of the Net Income of United Fire Group over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in United Fire Group financial statement analysis. It represents the amount of money remaining after all of United Fire Group operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is United Fire's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in United Fire's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 61.96 M | 10 Years Trend |
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Net Income |
| Timeline |
United Net Income Regression Statistics
| Arithmetic Mean | 33,491,919 | |
| Geometric Mean | 20,764,654 | |
| Coefficient Of Variation | 150.56 | |
| Mean Deviation | 37,557,345 | |
| Median | 49,904,000 | |
| Standard Deviation | 50,424,554 | |
| Sample Variance | 2542.6T | |
| Range | 201.8M | |
| R-Value | 0.03 | |
| Mean Square Error | 2709.2T | |
| R-Squared | 0 | |
| Significance | 0.90 | |
| Slope | 328,942 | |
| Total Sum of Squares | 40682.2T |
United Net Income History
Other Fundumenentals of United Fire Group
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
United Fire Net Income component correlations
United Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for United Fire is extremely important. It helps to project a fair market value of United Stock properly, considering its historical fundamentals such as Net Income. Since United Fire's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of United Fire's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of United Fire's interrelated accounts and indicators.
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Is Property & Casualty Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of United Fire. If investors know United will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about United Fire listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.961 | Dividend Share 0.64 | Earnings Share 4.24 | Revenue Per Share | Quarterly Revenue Growth 0.096 |
The market value of United Fire Group is measured differently than its book value, which is the value of United that is recorded on the company's balance sheet. Investors also form their own opinion of United Fire's value that differs from its market value or its book value, called intrinsic value, which is United Fire's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because United Fire's market value can be influenced by many factors that don't directly affect United Fire's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between United Fire's value and its price as these two are different measures arrived at by different means. Investors typically determine if United Fire is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, United Fire's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
United Fire 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to United Fire's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of United Fire.
| 10/27/2025 |
| 01/25/2026 |
If you would invest 0.00 in United Fire on October 27, 2025 and sell it all today you would earn a total of 0.00 from holding United Fire Group or generate 0.0% return on investment in United Fire over 90 days. United Fire is related to or competes with Heritage Insurance, Universal Insurance, Donegal Group, Ategrity Specialty, Bowhead Specialty, American Coastal, and Mercantile Bank. United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and bu... More
United Fire Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure United Fire's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess United Fire Group upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.26 | |||
| Information Ratio | 0.0503 | |||
| Maximum Drawdown | 17.21 | |||
| Value At Risk | (2.09) | |||
| Potential Upside | 2.14 |
United Fire Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for United Fire's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as United Fire's standard deviation. In reality, there are many statistical measures that can use United Fire historical prices to predict the future United Fire's volatility.| Risk Adjusted Performance | 0.0693 | |||
| Jensen Alpha | 0.1274 | |||
| Total Risk Alpha | (0.03) | |||
| Sortino Ratio | 0.0888 | |||
| Treynor Ratio | 0.2325 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of United Fire's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
United Fire January 25, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0693 | |||
| Market Risk Adjusted Performance | 0.2425 | |||
| Mean Deviation | 1.32 | |||
| Semi Deviation | 1.14 | |||
| Downside Deviation | 1.26 | |||
| Coefficient Of Variation | 1169.54 | |||
| Standard Deviation | 2.23 | |||
| Variance | 4.96 | |||
| Information Ratio | 0.0503 | |||
| Jensen Alpha | 0.1274 | |||
| Total Risk Alpha | (0.03) | |||
| Sortino Ratio | 0.0888 | |||
| Treynor Ratio | 0.2325 | |||
| Maximum Drawdown | 17.21 | |||
| Value At Risk | (2.09) | |||
| Potential Upside | 2.14 | |||
| Downside Variance | 1.59 | |||
| Semi Variance | 1.31 | |||
| Expected Short fall | (1.70) | |||
| Skewness | 4.3 | |||
| Kurtosis | 27.51 |
United Fire Group Backtested Returns
United Fire appears to be very steady, given 3 months investment horizon. United Fire Group owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.0877, which indicates the firm had a 0.0877 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for United Fire Group, which you can use to evaluate the volatility of the company. Please review United Fire's Coefficient Of Variation of 1169.54, semi deviation of 1.14, and Risk Adjusted Performance of 0.0693 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, United Fire holds a performance score of 6. The entity has a beta of 0.78, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, United Fire's returns are expected to increase less than the market. However, during the bear market, the loss of holding United Fire is expected to be smaller as well. Please check United Fire's semi variance, and the relationship between the treynor ratio and daily balance of power , to make a quick decision on whether United Fire's existing price patterns will revert.
Auto-correlation | -0.53 |
Good reverse predictability
United Fire Group has good reverse predictability. Overlapping area represents the amount of predictability between United Fire time series from 27th of October 2025 to 11th of December 2025 and 11th of December 2025 to 25th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of United Fire Group price movement. The serial correlation of -0.53 indicates that about 53.0% of current United Fire price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.53 | |
| Spearman Rank Test | -0.47 | |
| Residual Average | 0.0 | |
| Price Variance | 0.65 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
United Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, United Fire Group reported net income of 61.96 M. This is 95.15% lower than that of the Insurance sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 89.15% higher than that of the company.
United Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses United Fire's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of United Fire could also be used in its relative valuation, which is a method of valuing United Fire by comparing valuation metrics of similar companies.United Fire is currently under evaluation in net income category among its peers.
United Fire Current Valuation Drivers
We derive many important indicators used in calculating different scores of United Fire from analyzing United Fire's financial statements. These drivers represent accounts that assess United Fire's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of United Fire's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 628.2M | 581.9M | 697.0M | 508.4M | 457.6M | 502.9M | |
| Enterprise Value | 590.2M | 499.8M | 650.4M | 456.4M | 410.7M | 434.9M |
United Fire ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, United Fire's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to United Fire's managers, analysts, and investors.Environmental | Governance | Social |
United Fire Institutional Holders
Institutional Holdings refers to the ownership stake in United Fire that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of United Fire's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing United Fire's value.| Shares | Northern Trust Corp | 2025-06-30 | 216.6 K | Earnest Partners Llc | 2025-06-30 | 200.1 K | Hillsdale Investment Management Inc. | 2025-06-30 | 195.9 K | Charles Schwab Investment Management Inc | 2025-06-30 | 194.8 K | Bank Of New York Mellon Corp | 2025-06-30 | 177.4 K | Jpmorgan Chase & Co | 2025-06-30 | 177.2 K | Bridgeway Capital Management, Llc | 2025-06-30 | 172 K | Connor Clark & Lunn Inv Mgmt Ltd | 2025-06-30 | 165.9 K | Foundry Partners, Llc | 2025-03-31 | 149.2 K | Blackrock Inc | 2025-06-30 | 3.5 M | Dimensional Fund Advisors, Inc. | 2025-06-30 | 1.5 M |
United Fundamentals
| Return On Equity | 0.13 | ||||
| Return On Asset | 0.0257 | ||||
| Profit Margin | 0.08 % | ||||
| Operating Margin | 0.15 % | ||||
| Current Valuation | 788.81 M | ||||
| Shares Outstanding | 25.51 M | ||||
| Shares Owned By Insiders | 17.97 % | ||||
| Shares Owned By Institutions | 67.65 % | ||||
| Number Of Shares Shorted | 207.47 K | ||||
| Price To Earning | 11.71 X | ||||
| Price To Book | 0.98 X | ||||
| Price To Sales | 0.65 X | ||||
| Revenue | 1.25 B | ||||
| Gross Profit | 149.84 M | ||||
| EBITDA | 95.22 M | ||||
| Net Income | 61.96 M | ||||
| Cash And Equivalents | 92.21 M | ||||
| Cash Per Share | 3.66 X | ||||
| Total Debt | 117.06 M | ||||
| Debt To Equity | 0.06 % | ||||
| Current Ratio | 0.32 X | ||||
| Book Value Per Share | 35.22 X | ||||
| Cash Flow From Operations | 340.3 M | ||||
| Short Ratio | 1.65 X | ||||
| Earnings Per Share | 4.24 X | ||||
| Price To Earnings To Growth | 2.90 X | ||||
| Target Price | 37.5 | ||||
| Number Of Employees | 877 | ||||
| Beta | 0.44 | ||||
| Market Capitalization | 876.42 M | ||||
| Total Asset | 3.49 B | ||||
| Retained Earnings | 620.44 M | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 3.01 % | ||||
| Net Asset | 3.49 B | ||||
| Last Dividend Paid | 0.64 |
About United Fire Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze United Fire Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of United Fire using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of United Fire Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Tools for United Stock Analysis
When running United Fire's price analysis, check to measure United Fire's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy United Fire is operating at the current time. Most of United Fire's value examination focuses on studying past and present price action to predict the probability of United Fire's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move United Fire's price. Additionally, you may evaluate how the addition of United Fire to your portfolios can decrease your overall portfolio volatility.