United Fire Group IncUFCS
Price$52.59Intrinsic value$44.7815% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $44.78median of 2 methodsbased on filings through 30 Jun 2026
Market Price $52.59Price as of 30 Sep 2026
Margin of Safety -14.9%as of 30 Sep 2026

Valuation methods vs. Market Price

Company vs. peer median Members

This section is available to registered members. Create a free account or sign in to unlock the full breakdown.

Sign in / Sign up

Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 0.4% (near-term consensus, capped) · years 2–5: 0.4%/yr (balance of the path).0.4% per year
Years 6–10: glide to demonstrated growth own history 31.6%, capped at 20%
Per-year rates
Yr 60.9%Yr 71.4%Yr 82.0%Yr 92.5%Yr 103.0%
0.4% → 3.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 113.0%Yr 123.0%Yr 133.0%Yr 143.0%Yr 153.0%Yr 163.0%Yr 173.0%Yr 183.0%Yr 193.0%Yr 203.0%
3.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 2 windows (6/7y) (limited history)31.6%
Discount rate (cost of equity) 8.0%
Volatility vs market (adjusted beta)0.68

Valuation Detail Members

This section is available to registered members. Create a free account or sign in to unlock the full breakdown.

Sign in / Sign up

Assumptions Sandbox Members

This section is available to registered members. Create a free account or sign in to unlock the full breakdown.

Sign in / Sign up

Compare with peers

Search any company to compare valuation, profitability, returns, growth, and financial strength side by side.

Compare the target company plus 1 peer. Sign in / Sign up to compare a maximum of 3 peers.

Best in rowHigher is betterLower is better—Data not available
TargetUnited Fire Group IncUFCSFinancials
Valuation
P/E9.8×
P/S1.0×
P/B1.4×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin—
Operating margin12.0%
Net margin9.6%
FCF margin—
Returns
ROE14.4%
ROA3.5%
ROIC14.3%
Growth
Revenue growth (YoY)17.5%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.15×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield0.7%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.