United Fire Group Stock Debt To Equity

UFCS Stock

USD 28.07 0.30 1.08%

United Fire Group fundamentals help investors to digest information that contributes to United Fire's financial success or failures. It also enables traders to predict the movement of United Stock. The fundamental analysis module provides a way to measure United Fire's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to United Fire stock.

		Last Reported	Projected for Next Year
	Debt To Equity	0.06	0.04

Debt To Equity is likely to drop to 0.04 in 2025.

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United Fire Group Company Debt To Equity Analysis

United Fire's Debt to Equity is calculated by dividing the Total Debt of a company by its Equity. If the debt exceeds equity of a company, then the creditors have more stakes in a firm than the stockholders. In other words, Debt to Equity ratio provides analysts with insights about composition of both equity and debt, and its influence on the valuation of the company.

D/E

Total Debt

Total Equity

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Current United Fire Debt To Equity

0.06 %

Most of United Fire's fundamental indicators, such as Debt To Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, United Fire Group is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

United Debt To Equity Driver Correlations

Understanding the fundamental principles of building solid financial models for United Fire is extremely important. It helps to project a fair market value of United Stock properly, considering its historical fundamentals such as Debt To Equity. Since United Fire's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of United Fire's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of United Fire's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Net Receivables	Total Current Assets	Intangible Assets	Good Will	Short Term Investments	Common Stock	Property Plant Equipment	Net Tangible Assets	Accounts Payable	Long Term Debt	Long Term Debt Total	Capital Surpluse	Deferred Long Term Liab	Long Term Investments	Short Term Debt	Net Invested Capital	Capital Stock
Total Assets		0.87	-0.42	0.67	0.68	0.54	0.32	0.38	0.57	-0.84	-0.85	-0.06	0.35	-0.04	-0.29	0.57	0.08	0.13	0.16	-0.56	0.27	0.17
Total Stockholder Equity	0.87		-0.29	0.92	0.33	0.81	0.56	0.12	0.39	-0.88	-0.87	0.15	0.6	0.12	-0.12	0.72	0.03	0.21	-0.13	-0.72	0.12	0.23
Net Debt	-0.42	-0.29		-0.22	-0.37	-0.12	-0.38	-0.09	-0.27	0.49	0.49	-0.38	-0.45	-0.09	-0.49	-0.33	0.67	-0.22	0.07	0.29	0.17	0.74
Retained Earnings	0.67	0.92	-0.22		0.16	0.88	0.7	-0.12	0.16	-0.82	-0.8	0.38	0.59	0.22	0.11	0.78	-0.06	0.34	-0.37	-0.76	-0.1	0.18
Total Liab	0.68	0.33	-0.37	0.16		-0.07	-0.16	0.41	0.52	-0.39	-0.41	-0.27	-0.04	-0.31	-0.34	0.19	0.09	-0.04	0.33	-0.16	0.23	0.0
Net Receivables	0.54	0.81	-0.12	0.88	-0.07		0.78	-0.3	-0.12	-0.73	-0.71	0.51	0.53	0.33	0.22	0.81	-0.12	0.44	-0.47	-0.79	-0.19	0.15
Total Current Assets	0.32	0.56	-0.38	0.7	-0.16	0.78		-0.21	-0.1	-0.72	-0.7	0.87	0.46	0.45	0.68	0.56	-0.53	0.46	-0.73	-0.53	-0.62	-0.34
Intangible Assets	0.38	0.12	-0.09	-0.12	0.41	-0.3	-0.21		0.91	-0.18	-0.23	-0.49	-0.36	-0.31	-0.41	-0.49	0.35	-0.34	0.49	0.47	0.41	0.21
Good Will	0.57	0.39	-0.27	0.16	0.52	-0.12	-0.1	0.91		-0.4	-0.43	-0.43	-0.04	-0.39	-0.39	-0.23	0.25	-0.32	0.43	0.21	0.41	0.17
Short Term Investments	-0.84	-0.88	0.49	-0.82	-0.39	-0.73	-0.72	-0.18	-0.4		1.0	-0.41	-0.46	-0.15	-0.16	-0.69	0.26	-0.32	0.24	0.71	0.22	0.11
Common Stock	-0.85	-0.87	0.49	-0.8	-0.41	-0.71	-0.7	-0.23	-0.43	1.0		-0.38	-0.42	-0.14	-0.13	-0.67	0.23	-0.3	0.21	0.68	0.2	0.09
Property Plant Equipment	-0.06	0.15	-0.38	0.38	-0.27	0.51	0.87	-0.49	-0.43	-0.41	-0.38		0.32	0.5	0.9	0.43	-0.74	0.47	-0.84	-0.4	-0.85	-0.6
Net Tangible Assets	0.35	0.6	-0.45	0.59	-0.04	0.53	0.46	-0.36	-0.04	-0.46	-0.42	0.32		0.16	0.25	0.58	-0.44	0.14	-0.29	-0.61	-0.1	-0.29
Accounts Payable	-0.04	0.12	-0.09	0.22	-0.31	0.33	0.45	-0.31	-0.39	-0.15	-0.14	0.5	0.16		0.36	0.23	-0.18	0.36	-0.41	-0.19	-0.22	-0.1
Long Term Debt	-0.29	-0.12	-0.49	0.11	-0.34	0.22	0.68	-0.41	-0.39	-0.16	-0.13	0.9	0.25	0.36		0.18	-0.83	0.37	-0.71	-0.14	-0.77	-0.79
Long Term Debt Total	0.57	0.72	-0.33	0.78	0.19	0.81	0.56	-0.49	-0.23	-0.69	-0.67	0.43	0.58	0.23	0.18		-0.27	0.47	-0.31	-0.98	-0.19	-0.05
Capital Surpluse	0.08	0.03	0.67	-0.06	0.09	-0.12	-0.53	0.35	0.25	0.26	0.23	-0.74	-0.44	-0.18	-0.83	-0.27		-0.1	0.59	0.27	0.68	0.91
Deferred Long Term Liab	0.13	0.21	-0.22	0.34	-0.04	0.44	0.46	-0.34	-0.32	-0.32	-0.3	0.47	0.14	0.36	0.37	0.47	-0.1		-0.09	-0.43	-0.33	-0.18
Long Term Investments	0.16	-0.13	0.07	-0.37	0.33	-0.47	-0.73	0.49	0.43	0.24	0.21	-0.84	-0.29	-0.41	-0.71	-0.31	0.59	-0.09		0.28	0.72	0.32
Short Term Debt	-0.56	-0.72	0.29	-0.76	-0.16	-0.79	-0.53	0.47	0.21	0.71	0.68	-0.4	-0.61	-0.19	-0.14	-0.98	0.27	-0.43	0.28		0.22	0.06
Net Invested Capital	0.27	0.12	0.17	-0.1	0.23	-0.19	-0.62	0.41	0.41	0.22	0.2	-0.85	-0.1	-0.22	-0.77	-0.19	0.68	-0.33	0.72	0.22		0.61
Capital Stock	0.17	0.23	0.74	0.18	0.0	0.15	-0.34	0.21	0.17	0.11	0.09	-0.6	-0.29	-0.1	-0.79	-0.05	0.91	-0.18	0.32	0.06	0.61

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United Debt To Equity Historical Pattern

Today, most investors in United Fire Stock are looking for potential investment opportunities by analyzing not only static indicators but also various United Fire's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's debt to equity growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of United Fire debt to equity as a starting point in their analysis.

United Fire Debt To Equity

Timeline

High Debt to Equity ratio typically indicates that a firm has been borrowing aggressively to finance its growth and as a result may experience a burden of additional interest expense. This may reduce earnings or future growth. On the other hand a small D/E ratio may indicate that a company is not taking enough advantage from financial leverage. Debt to Equity ratio measures how the company is leveraging borrowing against the capital invested by the owners.

Competition

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Debt To Equity Over Time

United Total Stockholder Equity

Total Stockholder Equity

539.69 Million

At this time, United Fire's Total Stockholder Equity is comparatively stable compared to the past year.

According to the company disclosure, United Fire Group has a Debt To Equity of 0.064%. This is 99.81% lower than that of the Insurance sector and significantly higher than that of the Financials industry. The debt to equity for all United States stocks is 99.87% higher than that of the company.

United Debt To Equity Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses United Fire's direct or indirect competition against its Debt To Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of United Fire could also be used in its relative valuation, which is a method of valuing United Fire by comparing valuation metrics of similar companies.

United Fire is currently under evaluation in debt to equity category among its peers.

United Fire Current Valuation Drivers

We derive many important indicators used in calculating different scores of United Fire from analyzing United Fire's financial statements. These drivers represent accounts that assess United Fire's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of United Fire's important valuation drivers and their relationship over time.

	2020	2021	2022	2023	2024	2025 (projected)
Market Cap	628.2M	581.9M	688.4M	506.4M	720.4M	508.0M
Enterprise Value	590.2M	499.8M	641.7M	454.4M	519.4M	426.0M

United Fire ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, United Fire's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to United Fire's managers, analysts, and investors.

Environmental

Governance

Social

United Fundamentals

	Return On Equity	0.0818
	Return On Asset	0.0159
	Profit Margin	0.05 %
	Operating Margin	0.13 %
	Current Valuation	621.21 M
	Shares Outstanding	25.38 M
	Shares Owned By Insiders	18.55 %
	Shares Owned By Institutions	65.58 %
	Number Of Shares Shorted	273.94 K
	Price To Earning	11.71 X
	Price To Book	0.90 X
	Price To Sales	0.57 X
	Revenue	1.25 B
	Gross Profit	86.42 M
	EBITDA	95.4 M
	Net Income	61.96 M
	Cash And Equivalents	92.21 M
	Cash Per Share	3.66 X
	Total Debt	2.71 B
	Debt To Equity	0.06 %
	Current Ratio	0.32 X
	Book Value Per Share	30.80 X
	Cash Flow From Operations	340.3 M
	Short Ratio	1.81 X
	Earnings Per Share	2.39 X
	Price To Earnings To Growth	2.90 X
	Target Price	28.0
	Beta	0.54
	Market Capitalization	712.46 M
	Total Asset	3.49 B
	Retained Earnings	620.44 M
	Annual Yield	0.02 %
	Five Year Return	3.01 %
	Net Asset	3.49 B
	Last Dividend Paid	0.64

About United Fire Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze United Fire Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of United Fire using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of United Fire Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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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.

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