United Fire (UFCS) Return on Invested Capital [ROIC] (2011 - 2026)
United Fire (UFCS) posted Return on Invested Capital [ROIC] of -46.20% for Q4 2025, up 13.41 percentage points from -59.61% a year earlier and up 2.26 percentage points from the prior quarter.
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Analysis
United Fire (UFCS) Return on Invested Capital [ROIC] (2011 - 2026) Analysis & Trends
For FY2025, United Fire's Return on Invested Capital [ROIC] came in at -49.60%, up 14.23 percentage points from FY2024.
- Annual Return on Invested Capital [ROIC] shows a five-year change of +27.77 percentage points (FY2020 to FY2025).
- In prior years, United Fire's Return on Invested Capital [ROIC] was -63.83% in FY2024 (+13.05 pp), -76.88% in FY2023 (-4.15 pp), -72.73% in FY2022 (-21.51 pp) and -51.23% in FY2021 (+26.15 pp).
- The Q4 2025 figure stands as the highest quarterly Return on Invested Capital [ROIC] since Q1 2022.
- On a year-over-year basis, Return on Invested Capital [ROIC] has increased in each of the last seven quarters, with an average year-over-year change of +10.90 percentage points over the last eight quarters.
- The strongest year-over-year quarter for Return on Invested Capital [ROIC] in the past five years was Q3 2022, with a gain of 32.77 percentage points; the weakest was Q2 2023, with a drop of 34.24 percentage points.
- According to Business Quant data, Return on Invested Capital [ROIC] for the three prior quarters was -48.46% (Q3 2025), -52.89% (Q2 2025) and -58.71% (Q1 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Berkshire Hathaway | 1,248.67 Bn | -185.49 Bn | 56.71 Bn | -11.13% |
| 2 | Chubb | 141.22 Bn | 92.15 Bn | 8.67 Bn | 11.97% |
| 3 | Progressive | 134.26 Bn | 109.78 Bn | 8.29 Bn | 28.24% |
| 4 | Marsh & Mclennan Companies | 98.32 Bn | 90.72 Bn | - | 13.08% |
| 5 | Travelers Companies | 82.09 Bn | 59.57 Bn | 5.93 Bn | 21.49% |
| 6 | Manulife Financial | 75.36 Bn | -19.02 Bn | - | - |
| 7 | Arthur J. Gallagher | 72.54 Bn | 67.17 Bn | 3.33 Bn | 6.01% |
| 8 | Aon | 71.33 Bn | 50.56 Bn | - | 11.58% |
| 9 | Allstate | 65.04 Bn | 22.10 Bn | -9.85 Bn | 9.71% |
| 10 | United Fire | 1.32 Bn | 716.24 Mn | 175.27 Mn | 13.30% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 13.30% |
| Jun 30, 2026 | 13.61% |
| Mar 31, 2026 | 12.82% |
| Dec 31, 2025 | 11.93% |
| Sep 30, 2025 | 11.93% |
| Jun 30, 2025 | 10.51% |
| Mar 31, 2025 | 7.99% |
| Dec 31, 2024 | 7.53% |
| Sep 30, 2024 | 6.27% |
| Jun 30, 2024 | 4.91% |
| Mar 31, 2024 | -1.85% |
| Dec 31, 2023 | -3.69% |
| Sep 30, 2023 | -21.47% |
| Jun 30, 2023 | -41.30% |
| Mar 31, 2023 | -36.27% |
| Dec 31, 2022 | -62.72% |
| Sep 30, 2022 | -27.63% |
| Jun 30, 2022 | -5.77% |
| Mar 31, 2022 | 10.31% |
| Dec 31, 2021 | 9.28% |
API Access
United Fire Return on Invested Capital [ROIC] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=UFCS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "ticker": "UFCS", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=UFCS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();