Root vs United Fire Group
Root and United Fire Group are similar in size: $1.52bn and $1.39bn of revenue in their latest fiscal years. Root grew faster (29.0% against 10.6%). United Fire Group kept more of each dollar of sales as profit: a net margin of 8.5% against 2.7%. United Fire Group carries less debt relative to equity (15.5% against 70.5%).
| Latest fiscal year | RootROOT, 2025 | United Fire GroupUFCS, 2025 |
|---|---|---|
| Revenue | $1.52bn | $1.39bn |
| Revenue growth | 29.0% | 10.6% |
| Net income | $40.3m | $118m |
| Operating margin | 4.1% | — |
| Net margin | 2.7% | 8.5% |
| Return on equity | 16.5% | 13.7% |
| Free cash flow | $207m | — |
| Cash | $669m | $156m |
| Total debt | $200m | $146m |
| Debt to equity | 70.5% | 15.5% |
| Dividend per share | — | $0.64 |
| Dividend yield | — | 1.3% |
| Share buybacks | — | — |
| Employees | 1,256 | — |
| Market value | $879m | $1.47bn |
| Price vs our value range | — | — |
| Moat score | 27 (Weak) | 43 (Weak) |
| Insider trades, 12 months | 0 buys, 13 sales | 1 buys, 5 sales |