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United Fire GroupUFCS -2.38%59 3-Year EPS without NRI Growth Rate is 61.60% as of Jun. 2026, which is 608% above its 10-year median of 8.70. GuruFocus rates UFCS with a GF Score™ of 59/100 and a GF Value™ of $33.14 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 400 Insurance companies, United Fire Group ranks better than 86.5% on this metric.
During the past 12 months, United Fire Group's average EPS without NRI Growth Rate was 48.90% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 61.60% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of United Fire Group was 273.70% per year. The lowest was -41.70% per year. And the median was 8.70% per year.
United Fire Group (NAS:UFCS) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
United Fire Group 3-Year EPS without NRI Growth Rate Related Terms
UFCS vs HGTY, TRUP, ASIC: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, United Fire Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where United Fire Group's 3-Year EPS without NRI Growth Rate falls into.
United Fire Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 61.60% mean?
United Fire Group (UFCS) has a 3-Year EPS without NRI Growth Rate of 61.60% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for United Fire Group and its competitors. This is 608% above median its historical median of 8.70. According to the industry distribution chart, United Fire Group ranks #54 out of 400 companies in the Insurance industry, placing it in the top 13.5%.
Is United Fire Group's 3-Year EPS without NRI Growth Rate too high?
United Fire Group's current 3-Year EPS without NRI Growth Rate of 61.60% is 608% above median its 10-year median of 8.70. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.35. United Fire Group's value of 61.60% is 276.8% above this industry median. Based on the distribution chart, United Fire Group ranks #54 out of 400 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 EPS without NRI Growth Rate compare to HGTY and TRUP?
According to the Insurance industry distribution chart, United Fire Group ranks #54 out of 400 companies for 3-Year EPS without NRI Growth Rate. This places United Fire Group in the top 14% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 16.35. United Fire Group's value of 61.60% is 276.8% above this benchmark. While the company's 10-year median is 8.70 vs. the industry median of 16.35, United Fire Group has consistently been above 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 EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.35, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 61.60% is 276.8% above 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for United Fire Group and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current 3-Year EPS without NRI Growth Rate is 61.60%, which is 608% above median its own 10-year median of 8.70. 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 $33.14, compared to a current price of $53.67 — trading 61.9% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 61.60%, which is 608% above median its 10-year median of 8.70 and 276.8% above the Insurance industry median of 16.35. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For United Fire Group (UFCS), the current 3-Year EPS without NRI Growth Rate is 61.60% 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 $53.67 is trading 61.9% above its estimated GF Value™ of $33.14.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
3-Year EPS without NRI Growth Rate: 61.60% (608% above median its 10-year median of 8.70)
GF Value™: $33.14 vs. price of $53.67 (61.9% above fair value)
Industry Position: 276.8% above the Insurance median (#54 of 400)
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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