UFCS (United Fire Group) EBIT: $176 Mil (TTM As of Mar. 2026)


UFCS United Fire Group Inc UFCS
60 GF Score
Price $51.49
GF Value $31.56
Valuation Significantly Overvalued
! 5 Warning Signs
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What is United Fire Group EBIT?

United Fire Group UFCS +2.51% 60 EBIT is $176 Mil as of Mar. 2026. GuruFocus rates UFCS with a GF Score™ of 60/100 and a GF Value™ of $31.56 (Significantly Overvalued). The stock has 5 warning signs investors should review.

United Fire Group's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was $41 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was $176 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. United Fire Group's annualized ROC % for the quarter that ended in Mar. 2026 was 3.49%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. United Fire Group's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 13.49%.


United Fire Group  (NAS:UFCS) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

United Fire Group's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=164.78 * ( 1 - 20.94% )/( (3702.7663 + 3765.9841)/ 2 )
=130.275068/3734.3752
=3.49 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=3840.789 - 0 - ( 156.332 - 5% * 366.186 )
=3702.7663

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=3909.541 - 0 - ( 162.029 - 5% * 369.442 )
=3765.9841

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

United Fire Group's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=176.061/1305.280
=13.49 %

* 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 EBIT Related Terms


United Fire Group EBIT Historical Data

* Premium members only.

The historical data trend for United Fire Group's EBIT 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 EBIT Chart

United Fire Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 100.03 15.27 -36.46 84.32 159.20

United Fire Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT 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 24.34 31.69 51.79 51.39 41.20

UFCS vs PRCH, HGTY, PRA: EBIT Comparison

For the Insurance - Property & Casualty subindustry, United Fire Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, United Fire Group's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where United Fire Group's EV-to-EBIT falls into.


UFCS
60GF Score
United Fire Group Inc UFCS
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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United Fire Group EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $176 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $176 Mil mean?
United Fire Group (UFCS) has a EBIT of $176 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on United Fire Group.
Is United Fire Group's EBIT too high?
United Fire Group's current EBIT is $176 Mil. Overall, United Fire Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Fire Group's EBIT compare to PRCH and HGTY?
United Fire Group's EBIT of $176 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on United Fire Group. United Fire Group's current EBIT is $176 Mil. 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 $31.56, compared to a current price of $51.49 — trading 63.1% above its estimated fair value. The current EBIT is $176 Mil. United Fire Group's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For United Fire Group (UFCS), the current EBIT is $176 Mil as of Mar. 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 $51.49 is trading 63.1% above its estimated GF Value™ of $31.56. GuruFocus considers United Fire Group to be Significantly Overvalued.

Key valuation signals for UFCS:

  • EBIT: $176 Mil
  • GF Value™: $31.56 vs. price of $51.49 (63.1% above fair value)
  • GF Score™: 60/100 with 5 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.
60GF Score

Get the complete analysis for UFCS

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

$51.49
Price
$31.56
GF Value