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United Fire GroupUFCS -3.32%59 EV-to-EBITDA is 6.74 as of Jul. 22, 2026, which is 23% above its 10-year median of 5.46. GuruFocus rates UFCS with a GF Score™ of 59/100 and a GF Value™ of $31.83 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 347 Insurance companies, United Fire Group ranks better than 59.94% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, United Fire Group's enterprise value is $1,261 Mil.
United Fire Group's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $187 Mil. Therefore, United Fire Group's EV-to-EBITDA for today is 6.74.
The historical rank and industry rank for United Fire Group's EV-to-EBITDA or its related term are showing as below:
UFCS'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -64.85 Med: 5.46 Max: 95.04
Current: 6.74
During the past 13 years, the highest EV-to-EBITDA of United Fire Group was 95.04. The lowest was -64.85. And the median was 5.46.
UFCS's EV-to-EBITDA is ranked better than 59.94% of 347
companies
in the Insurance industry
Industry Median: 8.32
vs UFCS: 6.74
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
United Fire Group (NAS:UFCS) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Fire Group's PE Ratio (TTM) for today is calculated as:
United Fire Group's share price for today is $49.78.
United Fire Group's Earnings per Share (Diluted) 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 $4.960.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for United Fire Group's EV-to-EBITDA 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.
For the Insurance - Property & Casualty subindustry, United Fire Group's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where United Fire Group's EV-to-EBITDA falls into.
United Fire Group's current Enterprise Value is $1,261 Mil.
United Fire Group's EBITDA 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 $187 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.
United Fire Group (UFCS) has a EV-to-EBITDA of 6.74 as of Jul. 22, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on United Fire Group. This is 23% above median its historical median of 5.46. According to the industry distribution chart, United Fire Group ranks #139 out of 347 companies in the Insurance industry, placing it in the top 40.1%.
Is United Fire Group's EV-to-EBITDA too high?
United Fire Group's current EV-to-EBITDA of 6.74 is 23% above median its 10-year median of 5.46. The Insurance industry median EV-to-EBITDA is 8.32. United Fire Group's value of 6.74 is 19% below this industry median. Based on the distribution chart, United Fire Group ranks #139 out of 347 companies in the Insurance industry, which is above 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 EV-to-EBITDA compare to PRA and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #139 out of 347 companies for EV-to-EBITDA. This puts United Fire Group in the upper half of its industry. The industry median EV-to-EBITDA is 8.32. United Fire Group's value of 6.74 is 19% below this benchmark. While the company's 10-year median is 5.46 vs. the industry median of 8.32, 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.32, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current EV-to-EBITDA of 6.74 is 19% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on United Fire Group. For the Insurance industry, the median EV-to-EBITDA is 8.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current EV-to-EBITDA is 6.74, which is 23% above median its own 10-year median of 5.46. 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 $31.83, compared to a current price of $49.78 — trading 56.4% above its estimated fair value. The current EV-to-EBITDA is 6.74, which is 23% above median its 10-year median of 5.46 and 19% below the Insurance industry median of 8.32. United Fire Group's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For United Fire Group (UFCS), the current EV-to-EBITDA is 6.74 as of Jul. 22, 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 $49.78 is trading 56.4% above its estimated GF Value™ of $31.83.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
EV-to-EBITDA: 6.74 (23% above median its 10-year median of 5.46)
GF Value™: $31.83 vs. price of $49.78 (56.4% above fair value)
Industry Position: 19% below the Insurance median (#139 of 347)
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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