UFCS Valuation

United Fire Group Inc

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30.660

+0.11(0.360%)1D

Overview
Forecast
Valuation
Earnings

UFCS Relative Valuation

UFCS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, UFCS is overvalued; if below, it's undervalued.

Historical Valuation

United Fire Group Inc (UFCS) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.53 is considered Undervalued compared with the five-year average of 13.41. The fair price of United Fire Group Inc (UFCS) is between 36.93 to 48.31 according to relative valuation methord. Compared to the current price of 30.66 USD , United Fire Group Inc is Undervalued By 16.99%.

Relative Value

Fair Zone

36.93-48.31

Current Price：30.66

16.99%

Undervalued

12.07

Trailing

Forward

0.00

EV/EBITDA

United Fire Group Inc. (UFCS) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

United Fire Group Inc. (UFCS) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.53

United Fire Group Inc. (UFCS) has a current PS of 0.53. The 5-year average PS is 0.57. The thresholds are as follows: Strongly Undervalued below 0.33, Undervalued between 0.33 and 0.45, Fairly Valued between 0.70 and 0.45, Overvalued between 0.70 and 0.82, and Strongly Overvalued above 0.82. The current Forward PS of 0.53 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

United Fire Group Inc. (UFCS) has a current P/OCF of 0.00. The 5-year average P/OCF is 1.50. The thresholds are as follows: Strongly Undervalued below -1.71, Undervalued between -1.71 and -0.11, Fairly Valued between 3.11 and -0.11, Overvalued between 3.11 and 4.71, and Strongly Overvalued above 4.71. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/FCF

United Fire Group Inc. (UFCS) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

United Fire Group Inc (UFCS) has a current Price-to-Book (P/B) ratio of 0.92. Compared to its 3-year average P/B ratio of 0.85 , the current P/B ratio is approximately 9.25% higher. Relative to its 5-year average P/B ratio of 0.84, the current P/B ratio is about 10.41% higher. United Fire Group Inc (UFCS) has a Forward Free Cash Flow (FCF) yield of approximately 37.44%. Compared to its 3-year average FCF yield of 23.23%, the current FCF yield is approximately 61.18% lower. Relative to its 5-year average FCF yield of 15.51% , the current FCF yield is about 141.41% lower.

0.92

P/B

Median3y

0.85

Median5y

0.84

37.44

FCF Yield

Median3y

23.23

Median5y

15.51

Competitors Valuation Multiple

The average P/S ratio for UFCS's competitors is 1.18, providing a benchmark for relative valuation. United Fire Group Inc Corp (UFCS) exhibits a P/S ratio of 0.53, which is -55.54% above the industry average. Given its robust revenue growth of 11.39%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

UFCS.O

United Fire Group Inc

Universal Insurance Holdings Inc

Heritage Insurance Holdings Inc

Employers Holdings Inc

1.12

13.50%

971.97M

Performance Decomposition

Market capitalization of UFCS increased by 51.43% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 0.88 to 8.75.

The secondary factor is the Revenue Growth, contributed 11.39%to the performance.

Overall, the performance of UFCS in the past 1 year is driven by P/E Change. Which is more unsustainable.

11.39%

301.17M → 335.47M

Revenue Growth

-851.65%

-0.91 → 6.84

Margin Expansion

891.69%

0.88 → 8.75

P/E Change

51.43%