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United Fire Group Inc

United Fire Group Inc

UFCS
$55.38USD+1.13%+0.62 today

MARKET CAP

1.4B

P/E (TTM)

12.4x

FWD P/E

DAY RANGE

$55 – $57

52W RANGE

$30
$57

AI Summary

Stalk
Sell NowMedium

The recent blow-off top at the 52-week high, combined with an extreme overbought RSI and options score, signals medium-term exhaustion. Price is extended above rising EMAs and is rejecting at overhead resistance, supporting a bearish bias. Execution as a Sell Now around the recent high region with rejection at resistance aligns with pattern-based exhaustion, while a reclaim above that high would invalidate the setup.

  • Q2 net income $33.4M (+45% YoY) with combined ratio at 95.3%.
  • Net written premiums $384M (+2.2% vs. estimates) driven by partner growth.
  • Negative profitability factor suggests weak conversion of revenue to profits.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$1.1B$980.3M$1.1B$1.3B$1.4B
YoY %-0.2%-8.1%+11.7%+14.4%+10.6%
P / Sales0.6x0.7x0.5x0.6x0.7x
EV / Sales2.4x2.8x2.6x2.6x2.7x
Gross Profit, Adj.$210.6M$129.9M$81.1M$227.4M$306.7M
YoY %+1998.7%-38.3%-37.6%+180.5%+34.9%
Margin %19.8%13.3%7.4%18.1%22.1%
EV / Gross Profit12.3x21.1x34.8x14.3x12.1x
EBITDA, Adj.$120.2M$31.9M$-17.1M$101.9M$172.4M
YoY %+187.5%-73.4%-153.7%+694.3%+69.3%
Margin %11.3%3.3%-1.6%8.1%12.4%
EV / EBITDA21.6x85.9x-164.8x31.8x21.5x
EBIT$100.0M$15.3M$-34.7M$86.4M$160.1M
YoY %+159.0%-84.7%-327.6%+348.8%+85.2%
Margin %9.4%1.6%-3.2%6.9%11.5%
EV / EBIT25.9x179.7x-81.3x37.5x23.1x
Net Income$80.6M$15.0M$-29.7M$62.0M$118.2M
YoY %+171.5%-81.3%-297.6%+308.6%+90.8%
Net Margin7.6%1.5%-2.7%4.9%8.5%
EPS (GAAP)$3.16$0.59-$1.18$2.39$4.48
YoY %+170.2%-81.3%-300.0%+302.5%+87.4%