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United Fire GroupUFCS -1.75%59 3-Year Book Growth Rate is 7.90% as of Jun. 2026, which is 25% above its 10-year median of 6.30. GuruFocus rates UFCS with a GF Score™ of 59/100 and a GF Value™ of $33.91 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 475 Insurance companies, United Fire Group ranks worse than 51.16% on this metric.
During the past 12 months, United Fire Group's average Book Value per Share Growth Rate was 14.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 7.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 0.50% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -1.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of United Fire Group was 20.00% per year. The lowest was -6.90% per year. And the median was 6.30% per year.
United Fire Group (NAS:UFCS) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
United Fire Group 3-Year Book Growth Rate Related Terms
UFCS vs HGTY, TRUP, ASIC: 3-Year Book Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, United Fire Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Fire Group 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where United Fire Group's 3-Year Book Growth Rate falls into.
United Fire Group 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 7.90% mean?
United Fire Group (UFCS) has a 3-Year Book Growth Rate of 7.90% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for United Fire Group and its competitors. This is 25% above median its historical median of 6.30. According to the industry distribution chart, United Fire Group ranks #243 out of 475 companies in the Insurance industry, placing it in the top 51.2%.
Is United Fire Group's 3-Year Book Growth Rate too high?
United Fire Group's current 3-Year Book Growth Rate of 7.90% is 25% above median its 10-year median of 6.30. The Insurance industry median 3-Year Book Growth Rate is 8.30. United Fire Group's value of 7.90% is 4.8% below this industry median. Based on the distribution chart, United Fire Group ranks #243 out of 475 companies in the Insurance industry, which is below the industry midpoint. Overall, United Fire Group has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Fire Group's 3-Year Book Growth Rate compare to HGTY and TRUP?
According to the Insurance industry distribution chart, United Fire Group ranks #243 out of 475 companies for 3-Year Book Growth Rate. This places United Fire Group in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.30. United Fire Group's value of 7.90% is 4.8% below this benchmark. While the company's 10-year median is 6.30 vs. the industry median of 8.30, United Fire Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.30, based on 475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current 3-Year Book Growth Rate of 7.90% is 4.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for United Fire Group and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current 3-Year Book Growth Rate is 7.90%, which is 25% above median its own 10-year median of 6.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Fire Group stock overvalued right now?
Based on GuruFocus' analysis, United Fire Group (UFCS) is currently considered Significantly Overvalued. The stock's GF Value™ is $33.91, compared to a current price of $53.44 — trading 57.6% above its estimated fair value. The current 3-Year Book Growth Rate is 7.90%, which is 25% above median its 10-year median of 6.30 and 4.8% below the Insurance industry median of 8.30. United Fire Group's overall GF Score™ is 59/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For United Fire Group (UFCS), the current 3-Year Book Growth Rate is 7.90% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Fire Group (UFCS) Overvalued in 2026?
Based on GuruFocus' analysis, United Fire Group stock appears to be overvalued.
The current stock price of $53.44 is trading 57.6% above its estimated GF Value™ of $33.91.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
3-Year Book Growth Rate: 7.90% (25% above median its 10-year median of 6.30)
GF Value™: $33.91 vs. price of $53.44 (57.6% above fair value)
Industry Position: 4.8% below the Insurance median (#243 of 475)
No single metric tells the full story. See the UFCS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Fire Group Inc is engaged in the business of writing property and casualty insurance and selling annuities through a network of independent agencies. The company's only operating segment is property and casualty insurance, which includes commercial lines insurance, personal lines insurance, and assumed reinsurance. The primary source of revenue is premium and investment income.
59GF Score
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