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United Fire GroupUFCS -0.54%59 Cash-to-Debt is 0.95 as of Jun. 2026, which is 64% below its 10-year median of 2.65. 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 496 Insurance companies, United Fire Group ranks worse than 62.5% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. United Fire Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.95.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, United Fire Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for United Fire Group's Cash-to-Debt or its related term are showing as below:
UFCS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.95 Med: 2.65 Max: No Debt
Current: 0.95
During the past 13 years, United Fire Group's highest Cash to Debt Ratio was No Debt. The lowest was 0.95. And the median was 2.65.
UFCS's Cash-to-Debt is ranked worse than 62.5% of 496
companies
in the Insurance industry
Industry Median: 2.115
vs UFCS: 0.95
United Fire Group (NAS:UFCS) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
United Fire Group Cash-to-Debt Related Terms
United Fire Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for United Fire Group's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Property & Casualty subindustry, United Fire Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where United Fire Group's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Fire Group (UFCS) has a Cash-to-Debt of 0.95 as of Jun. 2026. This is 64% below median its historical median of 2.65. Over the past decade, United Fire Group's Cash-to-Debt has ranged from 0.95 to 10,000.00. According to the industry distribution chart, United Fire Group ranks #310 out of 496 companies in the Insurance industry, placing it in the top 62.5%.
Is United Fire Group's Cash-to-Debt too high?
United Fire Group's current Cash-to-Debt of 0.95 is 64% below median its 10-year median of 2.65. Over the past 10 years, this metric has ranged from a low of 0.95 to a high of 10,000.00. The Insurance industry median Cash-to-Debt is 2.12. United Fire Group's value of 0.95 is 55.1% below this industry median. Based on the distribution chart, United Fire Group ranks #310 out of 496 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 Cash-to-Debt compare to HGTY and TRUP?
According to the Insurance industry distribution chart, United Fire Group ranks #310 out of 496 companies for Cash-to-Debt. This places United Fire Group in the lower half of its industry. The industry median Cash-to-Debt is 2.12. United Fire Group's value of 0.95 is 55.1% below this benchmark. Historically, United Fire Group's own Cash-to-Debt has ranged from 0.95 to 10,000.00 over the past decade. While the company's 10-year median is 2.65 vs. the industry median of 2.12, 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 Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.12, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current Cash-to-Debt of 0.95 is 55.1% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current Cash-to-Debt is 0.95, which is 64% below median its own 10-year median of 2.65. 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 $53.15 — trading 56.7% above its estimated fair value. The current Cash-to-Debt is 0.95, which is 64% below median its 10-year median of 2.65 and 55.1% below the Insurance industry median of 2.12. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For United Fire Group (UFCS), the current Cash-to-Debt is 0.95 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 $53.15 is trading 56.7% above its estimated GF Value™ of $33.91.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
Cash-to-Debt: 0.95 (64% below median its 10-year median of 2.65)
GF Value™: $33.91 vs. price of $53.15 (56.7% above fair value)
Industry Position: 55.1% below the Insurance median (#310 of 496)
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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