UFCS (United Fire Group) Cyclically Adjusted PS Ratio: (As of Aug. 08, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UFCS United Fire Group Inc UFCS
59 GF Score
Price $54.56
GF Value $32.59
Valuation Significantly Overvalued
! 6 Warning Signs
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What is United Fire Group Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


United Fire Group  (NAS:UFCS) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


United Fire Group Cyclically Adjusted PS Ratio Related Terms


United Fire Group Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for United Fire Group's Cyclically Adjusted PS Ratio 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.

United Fire Group Cyclically Adjusted PS Ratio Chart

United Fire Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.52 0.58 0.41 0.57 0.70

United Fire Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.56 0.59 0.70 0.70 0.98

UFCS vs PRCH, HGTY, UVE: Cyclically Adjusted PS Ratio Comparison

For the Insurance - Property & Casualty subindustry, United Fire Group's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, United Fire Group's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where United Fire Group's Cyclically Adjusted PS Ratio falls into.


UFCS
59GF Score
United Fire Group Inc UFCS
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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United Fire Group Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

United Fire Group's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, United Fire Group's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=14.818/333.9520*333.9520
=14.818

Current CPI (Jun. 2026) = 333.9520.

United Fire Group Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 9.902 241.428 13.697
201612 9.751 241.432 13.488
201703 9.719 243.801 13.313
201706 10.087 244.955 13.752
201709 10.802 246.819 14.615
201712 10.803 246.524 14.634
201803 9.851 249.554 13.183
201806 10.753 251.989 14.251
201809 11.391 252.439 15.069
201812 10.214 251.233 13.577
201903 11.933 254.202 15.677
201906 12.067 256.143 15.733
201909 11.454 256.759 14.898
201912 11.563 256.974 15.027
202003 7.108 258.115 9.196
202006 11.791 257.797 15.274
202009 11.271 260.280 14.461
202012 12.790 260.474 16.398
202103 11.849 264.877 14.939
202106 9.616 271.696 11.819
202109 9.905 274.310 12.059
202112 10.188 278.802 12.203
202203 9.676 287.504 11.239
202206 8.730 296.311 9.839
202209 9.352 296.808 10.522
202212 11.152 296.797 12.548
202303 10.475 301.836 11.590
202306 10.564 305.109 11.563
202309 10.710 307.789 11.620
202312 11.486 306.746 12.505
202403 11.457 312.332 12.250
202406 11.897 314.175 12.646
202409 12.464 315.301 13.201
202412 12.751 315.605 13.492
202503 12.620 319.799 13.179
202506 12.754 322.561 13.204
202509 13.426 324.800 13.804
202512 13.831 324.054 14.253
202603 14.453 330.213 14.617
202606 14.818 333.952 14.818

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

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 $54.56 is trading 67.4% above its estimated GF Value™ of $32.59. GuruFocus considers United Fire Group to be Significantly Overvalued.

Key valuation signals for UFCS:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $32.59 vs. price of $54.56 (67.4% above fair value)
  • GF Score™: 59/100 with 6 warning signs

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 Business Description

Address 118 Second Avenue SE, Cedar Rapids, IA, USA, 52401
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

Get the complete analysis for UFCS

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.56
Price
$32.59
GF Value