UNITED FIRE GROUP INC (UFCS)
Fire, Marine & Casualty Insurance · Financial Services · $1.2B
Intrinsic Value (Consensus)
$65.14
Current Price
$48.24
Margin of Safety
+35%
35% Below Intrinsic Value
Value: $65
Price: $48
Valuation Model Estimates
Current Price: $48.24
DCF (Discounted Cash Flow)
$419.14
Graham Number
$60.81
Earnings Power Value
$43.50
Relative Value (P/E)
$89.60
Dividend Discount Model
$66.67
Consensus Value
$65.14
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
76
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
19/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (18.5%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $4.48
- EPS (Forward)
- $5.38
- Book Value
- $36.69
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 12.6%
- Debt/Equity
- —
- Revenue Growth
- 10.6%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.2%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance