United Fire Valuation
| UFCS Stock | USD 29.75 2.20 7.99% |
At this time, the company appears to be overvalued. United Fire Group has a current Real Value of $27.67 per share. The regular price of the company is $29.75. Our model measures the value of United Fire Group from inspecting the company fundamentals such as Return On Equity of 0.0701, operating margin of 0.09 %, and Shares Outstanding of 25.34 M as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting United Fire's valuation include:
Price Book 0.8885 | Enterprise Value 617.8 M | Price Sales 0.6244 | Trailing PE 15.2564 | Enterprise Value Revenue 0.5105 |
Overvalued
Today
Please note that United Fire's price fluctuation is not too volatile at this time. Calculation of the real value of United Fire Group is based on 3 months time horizon. Increasing United Fire's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the United stock is determined by what a typical buyer is willing to pay for full or partial control of United Fire Group. Since United Fire is currently traded on the exchange, buyers and sellers on that exchange determine the market value of United Stock. However, United Fire's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 29.75 | Real 27.67 | Target 18.0 | Hype 29.75 | Naive 30.45 |
The intrinsic value of United Fire's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence United Fire's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of United Fire Group helps investors to forecast how United stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of United Fire more accurately as focusing exclusively on United Fire's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use United Fire's intrinsic value based on its ongoing forecasts of United Fire's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against United Fire's closest peers.
United Fire Cash |
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United Valuation Trend
United Fire's real value is important for investors to make better decisions and a more accurate overall view of United Fire's financial worth over time. Using both United Fire's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
United Fire Total Value Analysis
United Fire Group is at this time forecasted to have valuation of 617.82 M with market capitalization of 753.93 M, debt of 50 M, and cash on hands of 92.21 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the United Fire fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
617.82 M | 753.93 M | 50 M | 92.21 M |
United Fire Investor Information
About 18.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 0.89. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. United Fire Group has Price/Earnings To Growth (PEG) ratio of 2.9. The entity last dividend was issued on the 29th of November 2024. The firm had 2:1 split on the 16th of December 2004. Based on the measurements of operating efficiency obtained from United Fire's historical financial statements, United Fire Group may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter.United Fire Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. United Fire has an asset utilization ratio of 34.84 percent. This implies that the Company is making $0.35 for each dollar of assets. An increasing asset utilization means that United Fire Group is more efficient with each dollar of assets it utilizes for everyday operations.United Fire Ownership Allocation
United Fire Group shows a total of 25.34 Million outstanding shares. Over half of United Fire's outstanding shares are owned by institutional holders. These institutional holders are typically referred to as corporate investors that take positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.United Fire Profitability Analysis
The company reported the previous year's revenue of 1.1 B. Net Loss for the year was (29.7 M) with profit before overhead, payroll, taxes, and interest of 15.27 M.United Fire Past Distributions to stockholders
About United Fire Valuation
The stock valuation mechanism determines United Fire's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of United Fire Group based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of United Fire. We calculate exposure to United Fire's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of United Fire's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1.1 B | 634.4 M | |
| Pretax Profit Margin | (0.04) | (0.03) | |
| Operating Profit Margin | (0.03) | (0.03) | |
| Net Loss | (0.03) | (0.03) | |
| Gross Profit Margin | 1.14 | 1.09 |
United Fire Quarterly Retained Earnings |
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A single share of United Fire represents a small ownership stake in the entity. As a stockholder of United, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
United Fire Dividends Analysis For Valuation
Dividends Paid is likely to gain to about 17.4 M in 2024, whereas Dividend Yield is likely to drop 0.02 in 2024. . Price Earnings To Growth Ratio is likely to gain to 0.06 in 2024, whereas Retained Earnings are likely to drop slightly above 345.6 M in 2024.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 16.2 M | 17.4 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | (0.54) | (0.52) | |
| Dividend Paid And Capex Coverage Ratio | 6.35 | 5.40 |
There are various types of dividends United Fire can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of United shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from United Fire Group directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When United pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of United Fire by the value of the dividends paid out.
United Fire Growth Indicators
Investing in growth stocks can be very risky. If the company such as United Fire does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 25.2 M | |
| Quarterly Earnings Growth Y O Y | 2.04 |
United Fire Current Valuation Indicators
United Fire's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final United Fire's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as United Fire, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use United Fire's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes United Fire's worth.Additional Tools for United Stock Analysis
When running United Fire's price analysis, check to measure United Fire's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy United Fire is operating at the current time. Most of United Fire's value examination focuses on studying past and present price action to predict the probability of United Fire's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move United Fire's price. Additionally, you may evaluate how the addition of United Fire to your portfolios can decrease your overall portfolio volatility.