United Fire Group, Inc. (UFCS)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
Research Workspace
Put UFCS beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Property & Casualty Insurance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Combined ratio (profit margin proxy): Comparison needs review.
View ThesisRevenue is growing steadily — about 12% over the past year.
View GrowthMiddle-of-the-pack management execution.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationThis stock is volatile — it swings about 1% on a typical day and fell roughly 15% in its worst 12-month stretch.
View RiskUFCS's strong recent performance must keep compounding to justify the price. Revenue grew 14% year over year in the latest quarter. The company also beat earnings expectations by 85.7%. It trades at 1.5 times book value. Peers trade at a 1.8 times median. The price reflects less growth than we forecast. The combined ratio comparison needs review. The thesis comparison is not yet verified. Peer multiples imply a price about 22% above where it trades. The thesis is on watch. This read is provisional.
Trailing returns as of 2026-11-04. UFCS is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 2 analysts currently covering UFCS (as of Nov 2026).
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
Continue this research
Compare UFCS with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| UFCS Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 8 valuation methods, at three horizons. As of 2026-11-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Property & Casualty Insurance — fair value, gap to price, and forward P/E.
Compare the value case
Put UFCS next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Pursue profitable growth and maintain underwriting discipline
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-11-04. EPS is implied from price ÷ P/E. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
A second lens on the 12-month fair value: for companies that score high on measured quality (profitability, balance-sheet safety, earnings stability), this read trusts more of today's profit margins instead of averaging them toward their multi-year history the way the headline number does. Shown alongside the fair value above, not in place of it. A diagnostic, not a price target or a buy/sell signal.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Confirms growth target and expense improvement potential.

Advances: Improve underwriting profitability and combined ratio
Strong Q3 beat confirms underwriting profitability and growth objectives.

Advances: Improve underwriting profitability and combined ratio
EPS beat signals strong underwriting profitability despite revenue miss.

Advances: Increase quarterly cash dividend to $0.20 per share
Dividend declaration aligns with capital allocation objectives.

Advances: Extend and expand Share Repurchase Program
Director's purchase signals confidence in the company's future.
Advances: Extend and expand Share Repurchase Program
Dividend increase and buyback expansion align with capital allocation goals.