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Upturn AI SWOT - About
UFCS 
United Fire Group Inc (UFCS)
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Upturn Advisory Summary
02/05/2025: UFCS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -23.61% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 752.56M USD | Price to earnings Ratio 12.41 | 1Y Target Price 30 |
Price to earnings Ratio 12.41 | 1Y Target Price 30 | ||
Volume (30-day avg) 135136 | Beta 0.46 | 52 Weeks Range 17.71 - 31.52 | Updated Date 04/1/2025 |
52 Weeks Range 17.71 - 31.52 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.17% | Basic EPS (TTM) 2.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.94% | Operating Margin (TTM) 12.61% |
Management Effectiveness
Return on Assets (TTM) 1.59% | Return on Equity (TTM) 8.18% |
Valuation
Trailing PE 12.41 | Forward PE - | Enterprise Value 663848341 | Price to Sales(TTM) 0.6 |
Enterprise Value 663848341 | Price to Sales(TTM) 0.6 | ||
Enterprise Value to Revenue 0.53 | Enterprise Value to EBITDA - | Shares Outstanding 25381500 | Shares Floating 21387702 |
Shares Outstanding 25381500 | Shares Floating 21387702 | ||
Percent Insiders 18.4 | Percent Institutions 65.84 |
Analyst Ratings
Rating 3 | Target Price 26 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
United Fire Group Inc
Company Overview
History and Background
United Fire Group Inc. was founded in 1946 in Cedar Rapids, Iowa. Initially focused on fire insurance, it expanded to offer a variety of commercial and personal lines of insurance. Through strategic acquisitions and organic growth, it has become a multi-state regional insurance company.
Core Business Areas
- Commercial Lines: Provides property and casualty insurance to businesses, including coverage for property damage, liability, and workers' compensation.
- Personal Lines: Offers personal property and casualty insurance to individuals, including coverage for homeowners, auto, and umbrella liability.
- Reinsurance: Participates in reinsurance agreements to manage risk and diversify its business.
Leadership and Structure
The company is led by a board of directors and a senior management team. Randy A. Ramlo is the Chairman of the Board and Chief Executive Officer. The organizational structure is divided into underwriting, claims, finance, and other support functions.
Top Products and Market Share
Key Offerings
- Commercial Property: Provides insurance coverage for physical damage to commercial buildings and contents. Market share data is regionally dependent and difficult to pinpoint exactly but UFG operates in a competitive market. Competitors include Travelers, Hartford, and CNA Financial.
- Market Share (%): Varies regionally
- Commercial Auto: Offers insurance coverage for commercial vehicles, including liability and physical damage. Competitors include Progressive, Liberty Mutual, and Nationwide.
- Market Share (%): Varies regionally
- Market Share (%): Varies regionally
- Workers Compensation: Covers the medical expenses and lost wages of employees who are injured on the job. Competitors include Travelers, Hartford, and CNA Financial.
- Homeowners Insurance: Provides coverage for homeowners against damage to their property and liability claims. Competitors include State Farm, Allstate, and Progressive.
- Market Share (%): Varies regionally
- Auto Insurance: Offers coverage for individuals against damage to their vehicles and liability claims. Competitors include State Farm, Allstate, and Progressive.
- Market Share (%): Varies regionally
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and cyclical, influenced by factors such as weather events, interest rates, and regulatory changes. The industry is experiencing increased use of technology and data analytics.
Positioning
United Fire Group is positioned as a regional insurance provider focused on building strong relationships with independent agents. It competes with both national and regional players, emphasizing personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for property and casualty insurance in the US is estimated to be hundreds of billions of dollars annually. UFG is a relatively small player with a TAM that is geographically limited.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Regional focus allows for local expertise
- Diversified product offerings
- Solid financial stability
Weaknesses
- Smaller scale compared to national competitors
- Geographic concentration limits growth potential
- Exposure to weather-related events in specific regions
- Reliance on independent agents for distribution
Opportunities
- Expansion into new geographic markets
- Increased use of technology and data analytics
- Development of new insurance products
- Strategic acquisitions
Threats
- Increased competition from national players
- Regulatory changes
- Economic downturn
- Catastrophic weather events
Competitors and Market Share
Key Competitors
- TRV
- HIG
- CNA
- ALL
- PGR
- SFM
Competitive Landscape
UFG faces intense competition from larger national players. Its advantage lies in its regional focus and strong relationships with independent agents. Disadvantages include smaller scale and limited geographic reach.
Major Acquisitions
Mercer Insurance Group
- Year: 2011
- Acquisition Price (USD millions): 190
- Strategic Rationale: Expanded UFG's presence in the Mid-Atlantic region and broadened its product offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, with fluctuations based on market conditions and weather events.
Future Projections: Future growth projections depend on analyst estimates and company guidance. These are not available in a general knowledge context.
Recent Initiatives: Recent initiatives include efforts to improve efficiency, expand product offerings, and enhance technology capabilities.
Summary
United Fire Group is a regional insurance company with a solid foundation and strong relationships with independent agents. Its smaller scale and geographic concentration present challenges in competing with larger national players. Future growth depends on expanding into new markets, leveraging technology, and managing risks effectively. The company's financial stability and dividend history are positives for investors.
Similar Companies
AFG
American Financial Group Inc
AFG
American Financial Group Inc
CNA
CNA Financial Corporation
CNA
CNA Financial Corporation
HIG
Hartford Financial Services Group
HIG
Hartford Financial Services Group
TRV
The Travelers Companies Inc
TRV
The Travelers Companies Inc
WRB
W. R. Berkley Corp
WRB
W. R. Berkley Corp
Sources and Disclaimers
Data Sources:
- Company filings, Market research reports, Financial news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data are estimates and may vary by region.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About United Fire Group Inc
Exchange NASDAQ | Headquaters Cedar Rapids, IA, United States | ||
IPO Launch date 1990-03-26 | President, CEO, Principal Executive Officer & Director Mr. Kevin James Leidwinger | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 877 | Website https://www.ufginsurance.com |
Full time employees 877 | Website https://www.ufginsurance.com | ||
United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. Its commercial lines include fire and allied lines, other liability, automobile, workers' compensation, fidelity and surety coverage, and other insurance products; and personal lines comprise automobile, and fire and allied lines coverage, including assumed reinsurance for homeowners multi-peril coverage. The company sells its products through a network of independent agencies. United Fire Group, Inc. was incorporated in 1946 and is headquartered in Cedar Rapids, Iowa.
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