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United Fire GroupUFCS +4.57%59 3-Year EBITDA Growth Rate is 92.40% as of Mar. 2026, which is 504% above its 10-year median of 15.30. GuruFocus rates UFCS with a GF Score™ of 59/100 and a GF Value™ of $31.95 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 291 Insurance companies, United Fire Group ranks better than 93.81% on this metric.
During the past 12 months, United Fire Group's average EBITDA Per Share Growth Rate was 81.90% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 92.40% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of United Fire Group was 92.40% per year. The lowest was -55.00% per year. And the median was 15.30% per year.
United Fire Group (NAS:UFCS) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
United Fire Group 3-Year EBITDA Growth Rate Related Terms
UFCS vs PRCH, HGTY, UVE: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, United Fire Group's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where United Fire Group's 3-Year EBITDA Growth Rate falls into.
United Fire Group 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 92.40% mean?
United Fire Group (UFCS) has a 3-Year EBITDA Growth Rate of 92.40% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for United Fire Group and its competitors. This is 504% above median its historical median of 15.30. According to the industry distribution chart, United Fire Group ranks #18 out of 291 companies in the Insurance industry, placing it in the top 6.2%.
Is United Fire Group's 3-Year EBITDA Growth Rate too high?
United Fire Group's current 3-Year EBITDA Growth Rate of 92.40% is 504% above median its 10-year median of 15.30. The Insurance industry median 3-Year EBITDA Growth Rate is 17.20. United Fire Group's value of 92.40% is 437.2% above this industry median. Based on the distribution chart, United Fire Group ranks #18 out of 291 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 EBITDA Growth Rate compare to PRCH and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #18 out of 291 companies for 3-Year EBITDA Growth Rate. This places United Fire Group in the top 6% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 17.20. United Fire Group's value of 92.40% is 437.2% above this benchmark. While the company's 10-year median is 15.30 vs. the industry median of 17.20, 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 EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.20, based on 291 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate of 92.40% is 437.2% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for United Fire Group and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current 3-Year EBITDA Growth Rate is 92.40%, which is 504% above median its own 10-year median of 15.30. 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 $31.95, compared to a current price of $54.44 — trading 70.4% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 92.40%, which is 504% above median its 10-year median of 15.30 and 437.2% above the Insurance industry median of 17.20. United Fire Group's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For United Fire Group (UFCS), the current 3-Year EBITDA Growth Rate is 92.40% 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 $54.44 is trading 70.4% above its estimated GF Value™ of $31.95.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
3-Year EBITDA Growth Rate: 92.40% (504% above median its 10-year median of 15.30)
GF Value™: $31.95 vs. price of $54.44 (70.4% above fair value)
Industry Position: 437.2% above the Insurance median (#18 of 291)
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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