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United Fire GroupUFCS -0.78%59 EV-to-OCF is 5.19 as of Aug. 09, 2026, which is 4% below its 10-year median of 5.40. GuruFocus rates UFCS with a GF Score™ of 59/100 and a GF Value™ of $32.59 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 504 Insurance companies, United Fire Group ranks better than 57.74% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, United Fire Group's Enterprise Value is $1,409 Mil.
United Fire Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $272 Mil. Therefore, United Fire Group's EV-to-OCF for today is 5.19.
The historical rank and industry rank for United Fire Group's EV-to-OCF or its related term are showing as below:
UFCS'
s EV-to-OCF Range Over the Past 10 Years
Min: -616.51 Med: 5.4 Max: 73.36
Current: 5.19
During the past 13 years, the highest EV-to-OCF of United Fire Group was 73.36. The lowest was -616.51. And the median was 5.40.
UFCS's EV-to-OCF is ranked better than 57.74% of 504
companies
in the Insurance industry
Industry Median: 6.85
vs UFCS: 5.19
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (NAS:UFCS) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $54.56.
United Fire Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.380.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
United Fire Group EV-to-OCF Related Terms
United Fire Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for United Fire Group's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where United Fire Group's EV-to-OCF falls into.
United Fire Group's current Enterprise Value is $1,409 Mil.
United Fire Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $272 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-OCF of 5.19 as of Aug. 09, 2026. This is near median its historical median of 5.40. According to the industry distribution chart, United Fire Group ranks #213 out of 504 companies in the Insurance industry, placing it in the top 42.3%.
Is United Fire Group's EV-to-OCF too high?
United Fire Group's current EV-to-OCF of 5.19 is near median its 10-year median of 5.40. The Insurance industry median EV-to-OCF is 6.85. United Fire Group's value of 5.19 is 24.2% below this industry median. Based on the distribution chart, United Fire Group ranks #213 out of 504 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-OCF compare to PRCH and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #213 out of 504 companies for EV-to-OCF. This puts United Fire Group in the upper half of its industry. The industry median EV-to-OCF is 6.85. United Fire Group's value of 5.19 is 24.2% below this benchmark. While the company's 10-year median is 5.40 vs. the industry median of 6.85, 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.85, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current EV-to-OCF of 5.19 is 24.2% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current EV-to-OCF is 5.19, which is near median its own 10-year median of 5.40. 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 $32.59, compared to a current price of $54.56 — trading 67.4% above its estimated fair value. The current EV-to-OCF is 5.19, which is near median its 10-year median of 5.40 and 24.2% below the Insurance industry median of 6.85. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For United Fire Group (UFCS), the current EV-to-OCF is 5.19 as of Aug. 09, 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 $54.56 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:
EV-to-OCF: 5.19 (near median its 10-year median of 5.40)
GF Value™: $32.59 vs. price of $54.56 (67.4% above fair value)
Industry Position: 24.2% below the Insurance median (#213 of 504)
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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