Want to see UFCS full AI Analyst Report?
United Fire Group (UFCS) Ratios
United Fire Group Ratios
UFCS's free cash flow for Q2 2026 was $33.73M. For the 2026 fiscal year, UFCS's free cash flow was decreased by $-516.00K and operating cash flow was $34.25M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.80 | 0.00 | 3.97 | 0.32 | 0.00 |
| Quick Ratio | 0.80 | 0.00 | 3.97 | 0.32 | 0.00 |
| Cash Ratio | 0.06 | 0.00 | 0.72 | 0.07 | 0.00 |
| Solvency Ratio | 0.04 | 0.03 | -0.01 | 0.01 | 0.04 |
| Operating Cash Flow Ratio | 0.10 | 0.00 | 1.20 | -0.00 | 0.00 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -837.69M | $ 118.94M | $ -1.84B | $ -1.68B | $ -2.13B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.04 | 0.03 | 0.02 | 0.02 | 0.02 |
| Debt-to-Equity Ratio | 0.16 | 0.15 | 0.07 | 0.07 | 0.06 |
| Debt-to-Capital Ratio | 0.13 | 0.13 | 0.06 | 0.06 | 0.05 |
| Long-Term Debt-to-Capital Ratio | 0.13 | 0.13 | 0.06 | 0.06 | 0.05 |
| Financial Leverage Ratio | 4.08 | 4.46 | 4.29 | 3.89 | 3.43 |
| Debt Service Coverage Ratio | 12.45 | 11.01 | -4.89 | 8.12 | 28.35 |
| Interest Coverage Ratio | 13.13 | 10.58 | -12.18 | 3.79 | 30.39 |
| Debt to Market Cap | 0.15 | 0.16 | 0.10 | 0.07 | 0.09 |
| Interest Debt Per Share | 5.97 | 4.91 | 2.11 | 2.09 | 2.12 |
| Net Debt to EBITDA | -0.06 | -0.88 | 2.01 | -2.03 | -0.77 |
| Profitability Margins | |||||
| Gross Profit Margin | 44.86% | 18.05% | 7.64% | 13.95% | 19.02% |
| EBIT Margin | 11.48% | 6.74% | -3.32% | 1.54% | 9.47% |
| EBITDA Margin | 12.26% | 7.61% | -2.36% | 2.32% | 10.09% |
| Operating Profit Margin | 10.67% | 6.15% | -3.62% | 1.22% | 9.17% |
| Pretax Profit Margin | 10.67% | 6.15% | -3.62% | 1.22% | 9.17% |
| Net Profit Margin | 8.52% | 4.95% | -2.70% | 1.52% | 7.63% |
| Continuous Operations Profit Margin | 8.52% | 4.95% | -2.70% | 1.52% | 7.63% |
| Net Income Per EBT | 79.89% | 80.43% | 74.77% | 124.46% | 83.22% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 3.08% | 1.78% | -0.94% | 0.52% | 2.68% |
| Return on Equity (ROE) | 12.56% | 7.93% | -4.05% | 2.03% | 9.17% |
| Return on Capital Employed (ROCE) | 11.78% | 2.21% | -1.32% | 0.85% | 3.21% |
| Return on Invested Capital (ROIC) | 9.41% | 0.98% | -5.15% | -1.43% | 0.00% |
| Return on Tangible Assets | 3.21% | 1.78% | -0.95% | 0.52% | 2.68% |
| Earnings Yield | 12.32% | 8.60% | -5.84% | 2.16% | 13.85% |
| Efficiency Ratios | |||||
| Receivables Turnover | 1.84 | 1.80 | 2.36 | 2.70 | 2.22 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 10.45 | 9.20 | 8.18 | 7.42 | 7.67 |
| Asset Turnover | 0.36 | 0.36 | 0.35 | 0.34 | 0.35 |
| Working Capital Turnover Ratio | 1.20 | 0.77 | -3.84 | -1.98 | 0.00 |
| Cash Conversion Cycle | 198.82 | 202.87 | 154.46 | 135.08 | 164.78 |
| Days of Sales Outstanding | 198.82 | 202.87 | 154.46 | 135.08 | 164.78 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 198.82 | 202.87 | 154.46 | 135.08 | 164.78 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 10.22 | 13.44 | 6.80 | -0.05 | 1.19 |
| Free Cash Flow Per Share | 9.98 | 12.97 | 6.37 | -0.13 | 0.64 |
| Dividend Paid and CapEx Coverage Ratio | 11.86 | 12.12 | 6.35 | -0.07 | 1.03 |
| Capital Expenditure Coverage Ratio | 41.85 | 28.67 | 15.78 | -0.59 | 2.14 |
| Operating Cash Flow Coverage Ratio | 1.85 | 2.91 | 3.43 | -0.03 | 0.60 |
| Operating Cash Flow to Sales Ratio | 0.19 | 0.27 | 0.16 | -0.00 | 0.03 |
| Free Cash Flow Yield | 27.46% | 45.59% | 31.64% | -0.49% | 2.74% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.11 | 11.61 | -17.12 | 46.37 | 7.22 |
| Price-to-Sales (P/S) Ratio | 0.69 | 0.58 | 0.46 | 0.71 | 0.55 |
| Price-to-Book (P/B) Ratio | 1.02 | 0.92 | 0.69 | 0.94 | 0.66 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 3.64 | 2.19 | 3.16 | -205.74 | 36.50 |
| Price-to-Operating Cash Flow Ratio | 3.56 | 2.12 | 2.96 | -557.18 | 19.45 |
| Price-to-Earnings Growth (PEG) Ratio | 0.10 | -0.04 | 0.06 | -0.57 | -0.04 |
| Enterprise Value Multiple | 5.58 | 6.68 | -17.58 | 28.36 | 4.69 |
| Enterprise Value | 948.85M | 636.46M | 456.38M | 650.38M | 499.79M |
| EV to EBITDA | 5.58 | 6.68 | -17.58 | 28.36 | 4.69 |
| EV to Sales | 0.68 | 0.51 | 0.42 | 0.66 | 0.47 |
| EV to Free Cash Flow | 3.60 | 1.94 | 2.84 | -191.97 | 31.35 |
| EV to Operating Cash Flow | 3.52 | 1.87 | 2.66 | -519.89 | 16.71 |
| Tangible Book Value Per Share | 29.56 | 30.71 | 28.85 | 28.84 | 34.80 |
| Shareholders’ Equity Per Share | 35.67 | 30.87 | 29.04 | 29.05 | 35.04 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.20 | 0.25 | -0.24 | 0.17 |
| Revenue Per Share | 52.55 | 49.44 | 43.46 | 38.79 | 42.10 |
| Net Income Per Share | 4.48 | 2.45 | -1.18 | 0.59 | 3.21 |
| Tax Burden | 0.80 | 0.80 | 0.75 | 1.24 | 0.83 |
| Interest Burden | 0.93 | 0.91 | 1.09 | 0.79 | 0.97 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 2.28 | 5.49 | -5.78 | -0.08 | 0.37 |
Currency in USD
