Amalgamated Financial Corp. (AMAL) vs United Fire Group, Inc. (UFCS)
A side-by-side comparison of Amalgamated Financial Corp. and United Fire Group, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — AMAL vs UFCS
growth of $100 · dividends reinvested · last 8yAMAL vs UFCS: by the numbers
- •AMAL is the larger company ($1.43B vs $1.41B market cap).
- •UFCS trades at the lower trailing earnings multiple (10.21 vs 12.74 P/E), one valuation lens rather than an overall verdict.
- •AMAL converts more revenue to profit (23.37% vs 9.57% net margin).
- •AMAL grew revenue faster over the past five years (17.93% vs 5.12% CAGR).
- •UFCS pays the higher dividend yield (1.39% vs 1.36%).
Metrics side by side
Valuation
| Metric | AMAL | UFCS |
|---|---|---|
| P/E ratio | 12.74 | 10.21 |
| Forward P/E | 11.89 | 11.03 |
| PEG ratio | 0.70 | N/A |
| P/S ratio | 2.94 | 0.96 |
| P/B ratio | 1.71 | 1.44 |
Profitability
| Metric | AMAL | UFCS |
|---|---|---|
| Operating margin | 31.03% | 12.01% |
| Net margin | 23.37% | 9.57% |
| ROE | 13.58% | 14.42% |
Amalgamated Financial Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
United Fire Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | AMAL | UFCS |
|---|---|---|
| Dividend yield | 1.36% | 1.39% |
| Payout ratio | 17.33% | 14.13% |
Growth (annualized)
| Metric | AMAL | UFCS |
|---|---|---|
| Revenue CAGR (5Y) | 17.93% | 5.12% |
| EPS CAGR (5Y) | 18.45% | N/A |
| Total return CAGR (5Y) | 26.16% | 21.47% |
Frequently asked
- Which has the lower trailing P/E, AMAL or UFCS?
- UFCS has the lower trailing P/E: AMAL trades at 12.74 and UFCS at 10.21. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, AMAL or UFCS?
- Over the past five years, AMAL grew revenue faster — AMAL at a 17.93% CAGR versus UFCS at 5.12%.
- Does AMAL or UFCS pay a bigger dividend?
- AMAL yields 1.36% and UFCS yields 1.39% based on trailing dividends and the latest price.
- Is AMAL or UFCS more profitable?
- AMAL runs the higher net margin — AMAL at 23.37% versus UFCS at 9.57%.
- How have AMAL and UFCS total returns compared?
- Over the past 5 years, AMAL delivered 26.16% and UFCS delivered 21.47% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Amalgamated Financial & United Fire appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.