BLK
BlackRock, Inc.
BLK trails on the overall score without a compensating advantage in the available component scores.
UFCS
United Fire Group, Inc.
UFCS has the edge over BLK overall, supported by stronger valuation and stronger modeled upside.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
UFCS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
UFCS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like UFCS.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK's PE is in its expensive range at 28x.
UFCS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.9x | $46.41 | -9.5% |
| Current | 9.8x | $51.30 | — |
| Fair | 11x | $59.07 | +15% |
| Forward | 11x | $51.30 | — |
| Expensive | 44x | $229 | +347% |
Historical ranges are pointers, not guarantees.
UFCS has the edge over BLK in the historical PE scenario, which offers more potential upside but is not a forecast.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
UFCS Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UFCS, with profitability holding steady.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
UFCS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.63 | -11% |
| Q3 2026 | $5.23 | +23% |
| Q2 2026 | $5.38 | +53% |
| Q1 2026 | $4.96 | +95% |
| Q4 2025 | $4.48 | +87% |
| Q3 2025 | $4.25 | +119% |
| Q2 2025 | $3.52 | +146% |
| Q1 2025 | $2.54 | +$3.23 |
| Q4 2024 | $2.39 | +$3.57 |
UFCS has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over UFCS on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK has the edge over UFCS on profitability, with a higher operating margin.
UFCS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $391.6M | +11% |
| Q2 2026 | $383.7M | +14% |
| Q1 2026 | $369.4M | +12% |
| Q4 2025 | $365.8M | +9.8% |
| Q3 2025 | $354M | +9.6% |
| Q2 2025 | $335.5M | +11% |
| Q1 2025 | $331.1M | +12% |
| Q4 2024 | $333.2M | +16% |
UFCS's revenue has grown year over year for 16 quarters in a row: $392M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -2.3 points |
| Q2 2026 | 11% | +2.2 points |
| Q1 2026 | 10% | +3.7 points |
| Q4 2025 | 13% | +1.3 points |
| Q3 2025 | 14% | +6 points |
| Q2 2025 | 8.7% | +9.9 points |
| Q1 2025 | 6.6% | +1.1 points |
| Q4 2024 | 12% | +3.5 points |
UFCS's operating margin was 11% last quarter, down 2.3 points from the same quarter a year ago.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK has the edge over UFCS on cash flow, with more consistent year-over-year improvement.
UFCS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $101.1M | +66% |
| Q2 2026 | $34.2M | -36% |
| Q1 2026 | $56.6M | +59% |
| Q4 2025 | $119.8M | -23% |
| Q3 2025 | $60.8M | +7.8% |
| Q2 2025 | $53.4M | -42% |
| Q1 2025 | $35.7M | -1.3% |
| Q4 2024 | $156.4M | +603% |
UFCS's free cash flow was $312M over the past year, up 1.8% from the year before. Free cash flow isn't a meaningful measure for financial services companies like UFCS.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has 165M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
UFCS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1% | +271K shares |
| 1 year | -0.8% | -201K shares |
| 3 years | +2.3% | +587K shares |
| 5 years | +4.3% | +1.1M shares |
| Available history | +2.3% | +584K shares |
UFCS has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | $1,000 |
| Q3 2021 | $1M |
| Q2 2021 | $1M |
| Q1 2021 | $7,000 |
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
UFCS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.0x | Very low |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -1.6x | Net Cash |
| Q2 2025 | -1.6x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | -2.3x | Net Cash |
UFCS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like UFCS.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
UFCS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.5 | Neutral |
| Stochastic | 44.4 | Neutral |
UFCS's weekly RSI is 51 (neutral) and its Stochastic is 44 (neutral).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
UFCS PE vs Financial Services Sector
| Metric | UFCS | Sector median | Relative |
|---|---|---|---|
| PE | 9.8x | 13x | 25% below |
| PE % | 31 | 63 | 32 pts below |
UFCS has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over UFCS on trend strength, trading above more of its moving averages.
UFCS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $54.1 | 5.2% below |
| 20 week MA | $53.7 | 4.4% below |
| 50 week MA | $45.5 | 13% above |
| 100 week MA | $37.3 | 38% above |
| 200 week MA | $30.1 | 71% above |
UFCS has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 71% above its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has finished higher in five of the last six years. It's up 12% so far in 2026.
UFCS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $43.2 | $24.5 | -43% |
| 2021 | $24.5 | $23.3 | -4.9% |
| 2022 | $23.3 | $28.4 | +22% |
| 2023 | $28.4 | $20.1 | -29% |
| 2024 | $20.1 | $28.5 | +42% |
| 2025 | $28.5 | $36.4 | +28% |
| 2026 YTD | $36.4 | $51.3 | +41% |
UFCS has the edge over BLK on returns for 2026, with the stronger performance.