Is UNITED FIRE GROUP INC (UFCS) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 11.5% | |
| Operating Margin | 14.0% | |
| Net Margin | 8.5% | |
| Return on Equity (ROE) | 13.7% | |
| Return on Assets (ROA) | 2.7% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $270M |
| Free Cash Flow | $263M |
| Total Debt | $146M |
| Debt-to-Equity | 16.9 |
| Current Ratio | 0.7 |
| Total Assets | $3.8B |
Price & Trading
| Last Close | $37.24 |
| 50-Day MA | $37.10 |
| 200-Day MA | $33.10 |
| Avg Volume | 117K |
| Beta | 0.4 |
|
52-Week Range
$25.01
| |
About UNITED FIRE GROUP INC (UFCS)
United Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing. The company also offers marine specialty, professional liability, and earthquake coverages; specialty and surplus lines coverage; and reinsurance coverage for property and casualty insurance. It sells its products through a network of independent agencies. United Fire Group, Inc. was incorporated in 1946 and is headquartered in Cedar Rapids, Iowa.
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Frequently Asked Questions
Is UNITED FIRE GROUP INC (UFCS) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), UNITED FIRE GROUP INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is UNITED FIRE GROUP INC's debt ratio?
UNITED FIRE GROUP INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are UNITED FIRE GROUP INC's key financial metrics?
UNITED FIRE GROUP INC has a market capitalization of $932M, trailing P/E ratio of 8.1, and revenue of $1.4B. The company maintains a gross margin of 11.5% and a net margin of 8.5%. Return on equity stands at 13.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.