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Intrinsic value of United Fire Group, Inc (UFCS)

Previous Close$27.81
Intrinsic Value
Upside potential
Previous Close
$27.81
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh14.73 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

United Fire Group, Inc., together with its subsidiaries, provides property and casualty insurance for individuals and businesses in the United States. The company offers commercial and personal lines of property and casualty insurance, as well as assumed reinsurance products. Its commercial policies include fire and allied lines, other liability, automobile, workers' compensation, and surety coverage; and personal lines comprise automobile, and fire and allied lines coverage, including homeowners. The company sells its products through a network of independent agencies. United Fire Group, Inc. was founded in 1946 and is headquartered in Cedar Rapids, Iowa.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-0.3NaN
Revenue, $1066NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m969NaN
Operating income, $m97NaN
EBITDA, $m103NaN
Interest expense (income), $mNaN
Earnings before tax, $m97NaN
Tax expense, $m16NaN
Net income, $m81NaN

BALANCE SHEET

Cash and short-term investments, $m132NaN
Total assets, $m2931NaN
Adjusted assets (=assets-cash), $m2799NaN
Average production assets, $m165NaN
Working capital, $m-1448NaN
Total debt, $m74NaN
Total liabilities, $m2052NaN
Total equity, $m879NaN
Debt-to-equity ratio0.084NaN
Adjusted equity ratio0.267NaN

CASH FLOW

Net income, $m81NaN
Depreciation, amort., depletion, $m7NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m30NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-14NaN
Free cash flow, $m44NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-1448
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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