United Fire Group, Inc — Earnings Quality Grade C
UFCS · Financial Services
Some red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 194 days, change -5 days YoY
AR growth 8.0% vs revenue growth 10.9%
Revenue grew 10.9% but CFFO declined -20.7%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth -45.7% vs revenue 10.9%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 2.28. Profits backed by cash
FCF $0.3B, FCF/NI = 2.23
Accruals ratio = -3.9%. Low accruals
Cash $1.3B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 0% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -18% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
United Fire Group, Inc is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25