United Fire Group Stock Working Capital

UFCS Stock

USD 28.71 0.34 1.17%

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
	Change In Working Capital	203.5 M	213.7 M

Change In Working Capital is likely to gain to about 213.7 M in 2025.

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United Fire Group Company Working Capital Analysis

United Fire's Working Capital is a measure of company efficiency and operating liquidity. The working capital is usually calculated by subtracting Current Liabilities from Current Assets. It is an important indicator of the firm ability to continue its normal operations without additional debt obligations. .

Working Capital

Current Assets

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Current Liabilities

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United Working Capital 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 Working Capital. 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	-0.8	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		-0.66	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	-0.8	-0.66		-0.45	-0.54	-0.23	-0.16	-0.45	-0.69	0.67	0.68	0.13	-0.42	0.05	0.19	-0.36	0.07	-0.02	-0.31	0.37	-0.3	0.09
Retained Earnings	0.67	0.92	-0.45		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	-0.54	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	-0.23	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	-0.16	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	-0.45	-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	-0.69	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	0.67	-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	0.68	-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	0.13	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	-0.42	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	0.05	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	0.19	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	-0.36	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	0.07	-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	-0.02	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	-0.31	-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	0.37	-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	-0.3	-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	0.09	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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Working Capital can be positive or negative, depending on how much of current debt the company is carrying on its balance sheet. In general terms, companies that have a lot of working capital will experience more growth in the near future since they can expand and improve their operations using existing resources. On the other hand, companies with small or negative working capital may lack the funds necessary for growth or future operation. Working Capital also shows if the company has sufficient liquid resources to satisfy short-term liabilities and operational expenses.

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Working Capital Over Time

United Capital Surpluse

Capital Surpluse

164.75 Million

At this time, United Fire's Capital Surpluse is comparatively stable compared to the past year.

As per the company's disclosures, United Fire Group has a Working Capital of 0.0. This is 100.0% lower than that of the Insurance sector and about the same as Financials (which currently averages 0.0) industry. The working capital for all United States stocks is 100.0% higher than that of the company.

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	636.5M	429.1M

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	657.25 M
	Shares Outstanding	25.38 M
	Shares Owned By Insiders	18.40 %
	Shares Owned By Institutions	65.56 %
	Number Of Shares Shorted	273.94 K
	Price To Earning	11.71 X
	Price To Book	0.95 X
	Price To Sales	0.59 X
	Revenue	1.25 B
	Gross Profit	84.31 M
	EBITDA	95.22 M
	Net Income	61.96 M
	Cash And Equivalents	92.21 M
	Cash Per Share	3.66 X
	Total Debt	117.06 M
	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	1.53 X
	Earnings Per Share	2.39 X
	Price To Earnings To Growth	2.90 X
	Target Price	30.0
	Number Of Employees	877
	Beta	0.46
	Market Capitalization	737.33 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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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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