UFCS vs AFYA

Comparison between United Fire Group Inc (UFCS, Company) and Afya Ltd - Class A (AFYA, Company).

UFCS is from the Financial Services sector, while AFYA is from the Consumer Defensive sector.

5-Year PerformanceUFCS has outperformed AFYA, delivering a return of +18.9% compared to -9.9%

UFCS vs AFYA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UFCS(COMPANY)	AFYA(COMPANY)
Market Cap	$1.34B	$1.34B
Max Drawdown	71.27%	72.09%
Sharpe Ratio	2.06	-0.32
5Y Beta	0.61	0.57
Industry	Insurance - Property & Casualty	Education & Training Services
P/E Ratio	10.20	9.49
Forward P/E	14.10	7.13
PEG Ratio	0.11	0.42
Dividend Yield	1.29%	4.41%
5Y Dividends CAGR	2.44%	N/A
5Y EPS CAGR	N/A	21.83%
Debt to Equity	15.39%	67.47%
Free Cash Flow Yield	21.75%	16.47%
P/S Ratio	0.94	0.36
P/B Ratio	1.46	1.53

Market Cap

Winner

UFCS

$1.34B

AFYA

$1.34B

Max Drawdown

Winner

UFCS

71.27%

AFYA

72.09%

Sharpe Ratio

Winner

UFCS

2.06

AFYA

-0.32

5Y Beta

UFCS

0.61

Winner

AFYA

0.57

Industry

UFCS

Insurance - Property & Casualty

AFYA

Education & Training Services

P/E Ratio

UFCS

10.20

Winner

AFYA

9.49

Forward P/E

UFCS

14.10

Winner

AFYA

7.13

PEG Ratio

Winner

UFCS

0.11

AFYA

0.42

Dividend Yield

UFCS

1.29%

Winner

AFYA

4.41%

5Y Dividends CAGR

UFCS

2.44%

AFYA

N/A

5Y EPS CAGR

UFCS

N/A

AFYA

21.83%

Debt to Equity

Winner

UFCS

15.39%

AFYA

67.47%

Free Cash Flow Yield

Winner

UFCS

21.75%

AFYA

16.47%

P/S Ratio

UFCS

0.94

Winner

AFYA

0.36

P/B Ratio

Winner

UFCS

1.46

AFYA

1.53

UFCS vs AFYA - Historical Returns

Returns include dividend reinvestment.

Period	UFCS	AFYA
1 month	+12.15%	+0.70%
3 months	+31.80%	-4.92%
6 months	+47.81%	+0.44%
1 year	+90.61%	-7.66%
5 years(CAGR)	+18.90%	-9.87%
10 years(CAGR)	+5.31%	N/A
Max(CAGR)	+9.02%	-6.16%

Winner

UFCS

+12.15%

AFYA

+0.70%

Winner

UFCS

+31.80%

AFYA

-4.92%

Winner

UFCS

+47.81%

AFYA

+0.44%

Winner

UFCS

+90.61%

AFYA

-7.66%

5Y(CAGR)

Winner

UFCS

+18.90%

AFYA

-9.87%

10Y(CAGR)

UFCS

+5.31%

AFYA

N/A

Max(CAGR)

Winner

UFCS

+9.02%

AFYA

-6.16%

UFCS vs AFYA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UFCS	AFYA
2026	+47.43%	+1.05%
2025	+30.35%	-0.13%
2024	+43.18%	-25.41%
2023	-24.90%	+35.45%
2022	+17.86%	+5.47%
2021	-4.67%	-35.90%
2020	-40.50%	-8.27%
2019	-17.93%	+13.73%
2018	+31.80%	N/A
2017	-5.19%	N/A
2016	+35.86%	N/A
2015	+35.70%	N/A
2014	+10.16%	N/A
2013	+28.91%	N/A
2012	+9.49%	N/A
2011	-10.08%	N/A
2010	+24.39%	N/A
2009	-38.06%	N/A
2008	+7.65%	N/A
2007	-16.01%	N/A
2006	-10.69%	N/A
2005	+20.83%	N/A
2004	+69.60%	N/A
2003	+21.43%	N/A
2002	+20.64%	N/A
2001	+48.98%	N/A
2000	-6.96%	N/A
1999	+7.37%	N/A

UFCS vs AFYA Drawdown Comparison

The maximum drawdown for UFCS was -69.89%, occurring on Nov 20, 2008. Recovery took 2502 trading sessions.

The maximum drawdown for AFYA was -72.09%, occurring on Jul 11, 2022. This drawdown has not yet recovered.

The current UFCS drawdown is -3.67%. The current AFYA drawdown is -52.65%.

Rank	UFCS	AFYA
#1	-69.89% Nov 11, 2005 - Oct 22, 2015	-72.09% Aug 27, 2019 - Jul 11, 2022
#2	-64.48% Aug 1, 2018 - May 8, 2026	-15.46% Jul 31, 2019 - Aug 22, 2019
#3	-31.31% Jan 7, 2000 - Jan 25, 2001	-1.20% Jul 19, 2019 - Jul 23, 2019
#4	-28.56% Jun 5, 2001 - Mar 7, 2002	-0.59% Aug 22, 2019 - Aug 26, 2019
#5	-25.32% Nov 15, 2002 - Aug 19, 2003	N/A
#6	-20.40% Dec 12, 2016 - Mar 20, 2018	N/A
#7	-16.81% Nov 9, 2004 - May 3, 2005	N/A
#8	-15.99% Aug 5, 2004 - Nov 2, 2004	N/A
#9	-15.53% Nov 26, 1999 - Jan 7, 2000	N/A
#10	-15.46% May 3, 2016 - Nov 17, 2016	N/A
#11	-15.01% Jun 24, 2002 - Nov 14, 2002	N/A
#12	-14.96% Jan 25, 2001 - Apr 20, 2001	N/A
#13	-14.93% Jul 25, 2005 - Nov 10, 2005	N/A
#14	-12.24% May 18, 2026 - Jun 23, 2026	N/A
#15	-11.06% Sep 3, 2003 - Nov 6, 2003	N/A

Correlation

Correlation between UFCS and AFYA is 0.03 which considered as a very weak or no correlation - the stocks move independently of each other.

0.03

-101

Dividend Comparison (1999 - 2026)

UFCS vs AFYA dividend yield comparison.

Year	UFCS	AFYA
2026	0.77%	4.53%
2025	1.76%	1.51%
2024	2.25%	0.00%
2023	3.18%	0.00%
2022	2.30%	0.00%
2021	2.59%	0.00%
2020	4.54%	0.00%
2019	2.97%	0.00%
2018	7.59%	0.00%
2017	2.39%	0.00%
2016	1.97%	0.00%
2015	2.24%	0.00%
2014	2.62%	0.00%
2013	2.41%	0.00%
2012	2.75%	0.00%
2011	2.97%	0.00%
2010	2.69%	0.00%
2009	3.29%	0.00%
2008	1.93%	0.00%
2007	1.91%	0.00%
2006	1.40%	0.00%
2005	1.19%	0.00%
2004	1.25%	0.00%
2003	1.89%	0.00%
2002	2.18%	0.00%
2001	2.51%	0.00%
2000	3.59%	0.00%
1999	0.75%	0.00%