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Quantitative analysis updated February 24, 2026. Data-driven, not AI-generated.
Based on our 6-factor quantitative model, UNITED FIRE GROUP INC receives a Buy rating with a composite score of 68/100, ranking #142 out of 7,333 stocks in our coverage universe.
The stock scores particularly well on Value (93th percentile). However, its weakest factor is Investment at just the 29th percentile, which investors should monitor.
On a valuation basis, UFCS trades at a 59% discount to its sector median P/E, suggesting the market may be underpricing the company's earnings power.
Our composite score is built from six academically-proven factors, each measured as a percentile rank across our entire coverage universe of 7,333 stocks. Higher percentile scores indicate stronger relative performance on that dimension.
UNITED FIRE GROUP INC demonstrates exceptional profitability and financial health. Return on equity, gross margins, and operating margins all rank in the upper tier of the market, indicating a durable competitive advantage and strong management execution.
ROE: 13.2% · Gross Margin: 99.9% · Op. Margin: 14.7% · Net Margin: 11.1%
UNITED FIRE GROUP INC trades at a significant discount to intrinsic value based on multiple valuation frameworks. Price-to-earnings, price-to-book, and EV/EBITDA ratios all suggest the market is underpricing the company's fundamentals.
P/E: 5.0 · P/B: 0.9 · P/S: 0.6 · EV/EBITDA: 3.5
UNITED FIRE GROUP INC shows positive price trends that exceed the market average. Recent performance has been favorable, though not in the top tier of momentum-driven stocks.
Momentum percentile rank indicates price trend strength across 3, 6, and 12 month horizons.
UNITED FIRE GROUP INC is investing aggressively with high asset growth rates. While this may fuel future revenue expansion, academic evidence suggests that rapid investment intensity is often associated with lower subsequent returns.
Revenue Growth: 9.2% · D/E: 16.0%
UNITED FIRE GROUP INC exhibits volatility roughly in line with the broader market. Price swings are typical for its sector, providing a neutral risk profile on the stability dimension.
Beta: 0.50
UNITED FIRE GROUP INC faces elevated short interest, meaning a meaningful percentage of shares are being sold short by institutional investors. This can indicate bearish sentiment, though it also creates potential for a short squeeze.
Short interest as a percentage of float, relative to the market universe.
UNITED FIRE GROUP INC appears undervalued relative to its sector, trading at a 59% discount to the sector median P/E of 11.9x. This discount may represent an attractive entry point for value-oriented investors, though further analysis of growth expectations is warranted.
| Metric | UFCS | Finance, Insurance, And Real Estate Median | vs. Sector |
|---|---|---|---|
| P/E Ratio | 5.0x | 11.9x | -59% |
| P/B Ratio | 0.9x | 1.2x | -28% |
| P/S Ratio | 0.6x | 2.9x | -81% |
| EV/EBITDA | 3.5x | 7.8x | -55% |
This stock exhibits below-average risk characteristics including low volatility, manageable debt, and stable return patterns. It may serve as a defensive holding in a diversified portfolio.
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Comprehensive fundamental data for UNITED FIRE GROUP INC compared against Finance, Insurance, And Real Estate sector medians. All data sourced from SEC filings and updated daily.
| Metric | UFCS | Finance, Insurance, And Real Estate Median |
|---|---|---|
| Market Cap | $775M | -- |
| P/E Ratio | 5.0x | 11.9x |
| P/B Ratio | 0.9x | 1.2x |
| P/S Ratio | 0.6x | 2.9x |
| EV/EBITDA | 3.5x | 7.8x |
| Return on Equity | 13.2% | 8.9% |
| Return on Assets | 4.1% | 1.2% |
| Gross Margin | 99.9% | 76.5% |
| Operating Margin | 14.7% | 17.0% |
| Net Margin | 11.1% | 21.5% |
| Revenue Growth | 9.2% | 10.8% |
| Debt / Equity | 16.0% | 0.5% |
| Dividend Yield | 2.1% | 1.9% |
| Beta | 0.50 | -- |
UNITED FIRE GROUP INC earns a Buy rating from our quantitative model, supported by strong factor scores that place it in the top tier of our coverage universe. The combination of solid quality metrics, favorable valuation, and positive momentum creates a compelling investment case. Investors seeking exposure to the Finance, Insurance, And Real Estate sector should consider UFCS as a high-conviction opportunity, while maintaining appropriate position sizing and portfolio diversification.
Disclaimer: This analysis is based on quantitative factor models and does not constitute personalized investment advice. Past performance is not indicative of future results. Always consult a qualified financial advisor before making investment decisions.