United Fire Group Inc (UFCS) — Financial Flexibility Index
United Fire Group Inc (UFCS) has a Financial Flexibility Index of 0.02x as of September 2025. Free cash flow of $62.41 Million (operating CF $60.85 Million minus capex $1.56 Million) represents 0% of total liabilities ($2.86 Billion). Check UFCS PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
United Fire Group Inc Financial Flexibility Index (1989–2024)
Historical Financial Flexibility Index trend for United Fire Group Inc across 36 annual periods. See UFCS net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for United Fire Group Inc (1989–2024)
Year-by-year free cash flow to debt coverage for United Fire Group Inc. For the full company profile including market capitalisation, see UFCS market cap overview.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.13x | $352.17 Million | $340.30 Million | $2.71 Billion | ▲ +71.7% |
| 2023 | 0.08x | $182.62 Million | $171.74 Million | $2.41 Billion | ▲ +18217.9% |
| 2022 | 0.00x | $886.00K | $-1.25 Million | $2.14 Billion | ▼ -99.9% |
| 2021 | 0.57x | $43.89 Million | $29.92 Million | $76.75 Million | ▼ -28.9% |
| 2020 | 0.80x | $60.30 Million | $41.44 Million | $74.93 Million | ▲ +1241.2% |
| 2019 | 0.06x | $126.18 Million | $93.75 Million | $2.10 Billion | ▼ -19.2% |
| 2018 | 0.07x | $143.16 Million | $110.10 Million | $1.93 Billion | ▲ +27.3% |
| 2017 | 0.06x | $187.25 Million | $170.09 Million | $3.21 Billion | ▼ -18.2% |
| 2016 | 0.07x | $221.98 Million | $214.38 Million | $3.11 Billion | ▲ +7.5% |
| 2015 | 0.07x | $199.69 Million | $190.00 Million | $3.01 Billion | ▲ +26.4% |
| 2014 | 0.05x | $159.44 Million | $151.29 Million | $3.04 Billion | ▼ -9.3% |
| 2013 | 0.06x | $169.94 Million | $161.49 Million | $2.94 Billion | ▼ -2.0% |
| 2012 | 0.06x | $174.96 Million | $172.08 Million | $2.97 Billion | ▲ +94.9% |
| 2011 | 0.03x | $88.48 Million | $74.43 Million | $2.92 Billion | ▼ -5.4% |
| 2010 | 0.03x | $73.31 Million | $71.22 Million | $2.29 Billion | ▼ -33.3% |
| 2009 | 0.05x | $110.98 Million | $100.41 Million | $2.31 Billion | ▲ +90.1% |
| 2008 | 0.03x | $53.48 Million | $43.90 Million | $2.12 Billion | ▼ -52.8% |
| 2007 | 0.05x | $107.43 Million | $105.78 Million | $2.01 Billion | ▲ +2.4% |
| 2006 | 0.05x | $109.43 Million | $104.46 Million | $2.10 Billion | ▲ +108.7% |
| 2005 | 0.03x | $55.60 Million | $53.69 Million | $2.22 Billion | ▼ -64.4% |
| 2004 | 0.07x | $144.33 Million | $142.69 Million | $2.05 Billion | ▲ +17.4% |
| 2003 | 0.06x | $117.72 Million | $111.81 Million | $1.97 Billion | ▲ +72.3% |
| 2002 | 0.03x | $62.70 Million | $58.67 Million | $1.80 Billion | ▲ +107.7% |
| 2001 | 0.02x | $26.32 Million | $24.61 Million | $1.57 Billion | ▼ -48.9% |
| 2000 | 0.03x | $46.03 Million | $42.54 Million | $1.41 Billion | ▲ +12.3% |
| 1999 | 0.03x | $35.88 Million | $34.45 Million | $1.23 Billion | ▲ +43.7% |
| 1998 | 0.02x | $20.18 Million | $18.06 Million | $994.31 Million | ▼ -62.6% |
| 1997 | 0.05x | $47.83 Million | $43.21 Million | $880.71 Million | ▼ -5.7% |
| 1996 | 0.06x | $45.88 Million | $43.92 Million | $796.98 Million | ▼ -19.8% |
| 1995 | 0.07x | $52.70 Million | $49.33 Million | $734.35 Million | ▼ -2.3% |
| 1994 | 0.07x | $48.30 Million | $45.90 Million | $657.40 Million | ▲ +20.7% |
| 1993 | 0.06x | $35.20 Million | $33.20 Million | $578.40 Million | ▼ -72.2% |
| 1992 | 0.22x | $106.90 Million | $102.80 Million | $487.80 Million | ▲ +8.4% |
| 1991 | 0.20x | $75.50 Million | $74.60 Million | $373.60 Million | ▲ +40.4% |
| 1990 | 0.14x | $44.10 Million | $42.20 Million | $306.30 Million | ▼ -15.0% |
| 1989 | 0.17x | $44.70 Million | $41.80 Million | $263.80 Million | — |