` Comparison: UFCS vs TRV - Alpha Spread
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UFCS
vs
TRV

Over the past 12 months, UFCS has significantly outperformed TRV, delivering a return of +44% compared to the TRV's +23% growth.

Valuation Growth Profitability Solvency Stocks Performance
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UFCS
TRV
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Stocks Compared:
UFCS TRV
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Valuation Comparison

UFCS Intrinsic Value
54.91 USD
Undervaluation 28%
Intrinsic Value
Price
TRV Intrinsic Value
360.08 USD
Undervaluation 18%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
United Fire Group Inc
NASDAQ:UFCS
39.33 USD
Travelers Companies Inc
NYSE:TRV
294.21 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
UFCS, TRV

UFCS
TRV
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
United Fire Group Inc
Revenue
Travelers Companies Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
UFCS, TRV

UFCS
TRV
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
United Fire Group Inc
NASDAQ:UFCS
FCF is not applicable for financial companies
Travelers Companies Inc
NYSE:TRV
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

UFCS
TRV
LTM 3Y Avg 5Y Avg 10Y Avg
United Fire Group Inc
Not applicable for financial companies
Travelers Companies Inc
Not applicable for financial companies

Operating Margin

UFCS
TRV
LTM 3Y Avg 5Y Avg 10Y Avg
United Fire Group Inc
Not applicable for financial companies
Travelers Companies Inc
Not applicable for financial companies

Net Margin

UFCS
8.5%
TRV
12.8%

FCF Margin

UFCS
TRV
LTM 3Y Avg 5Y Avg 10Y Avg
United Fire Group Inc
Not applicable for financial companies
Travelers Companies Inc
Not applicable for financial companies

ROE

UFCS
14.1%
TRV
20.5%

ROA

UFCS
3.3%
TRV
4.5%

ROIC

UFCS
TRV
LTM 3Y Avg 5Y Avg 10Y Avg
United Fire Group Inc
Not applicable for financial companies
Travelers Companies Inc
Not applicable for financial companies

ROCE

UFCS
TRV
LTM 3Y Avg 5Y Avg 10Y Avg
United Fire Group Inc
Not applicable for financial companies
Travelers Companies Inc
Not applicable for financial companies

Solvency Comparison

United Fire Group Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Travelers Companies Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
UFCS, TRV

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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
UFCS, TRV

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UFCS
TRV
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
UFCS, TRV

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TRV
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