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United Fire GroupUFCS +0.15%59 Equity-to-Asset is 0.24 as of Jun. 2026, which is 4% below its 10-year median of 0.25. GuruFocus rates UFCS with a GF Score™ of 59/100 and a GF Value™ of $32.81 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 505 Insurance companies, United Fire Group ranks worse than 54.85% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. United Fire Group's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $977 Mil. United Fire Group's Total Assets for the quarter that ended in Jun. 2026 was $4,014 Mil.
Therefore, United Fire Group's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.24.
The historical rank and industry rank for United Fire Group's Equity-to-Asset or its related term are showing as below:
UFCS'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.21 Med: 0.25 Max: 0.34
Current: 0.24
During the past 13 years, the highest Equity to Asset Ratio of United Fire Group was 0.34. The lowest was 0.21. And the median was 0.25.
UFCS's Equity-to-Asset is ranked worse than 54.85% of 505
companies
in the Insurance industry
Industry Median: 0.26
vs UFCS: 0.24
United Fire Group (NAS:UFCS) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
United Fire Group Equity-to-Asset Related Terms
United Fire Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for United Fire Group's Equity-to-Asset 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.
UFCS vs PRCH, HGTY, UVE: Equity-to-Asset Comparison
For the Insurance - Property & Casualty subindustry, United Fire Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where United Fire Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
United Fire Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.24 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on United Fire Group and its competitors. This is near median its historical median of 0.25. Over the past decade, United Fire Group's Equity-to-Asset has ranged from 0.21 to 0.34. According to the industry distribution chart, United Fire Group ranks #277 out of 505 companies in the Insurance industry, placing it in the top 54.9%.
Is United Fire Group's Equity-to-Asset too high?
United Fire Group's current Equity-to-Asset of 0.24 is near median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 0.34. The Insurance industry median Equity-to-Asset is 0.26. United Fire Group's value of 0.24 is 7.7% below this industry median. Based on the distribution chart, United Fire Group ranks #277 out of 505 companies in the Insurance industry, which is below 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 Equity-to-Asset compare to PRCH and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #277 out of 505 companies for Equity-to-Asset. This places United Fire Group in the lower half of its industry. The industry median Equity-to-Asset is 0.26. United Fire Group's value of 0.24 is 7.7% below this benchmark. Historically, United Fire Group's own Equity-to-Asset has ranged from 0.21 to 0.34 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current Equity-to-Asset of 0.24 is 7.7% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on United Fire Group and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current Equity-to-Asset is 0.24, which is near median its own 10-year median of 0.25. 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 $32.81, compared to a current price of $54.43 — trading 65.9% above its estimated fair value. The current Equity-to-Asset is 0.24, which is near median its 10-year median of 0.25 and 7.7% below the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For United Fire Group (UFCS), the current Equity-to-Asset is 0.24 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 $54.43 is trading 65.9% above its estimated GF Value™ of $32.81.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
Equity-to-Asset: 0.24 (near median its 10-year median of 0.25)
GF Value™: $32.81 vs. price of $54.43 (65.9% above fair value)
Industry Position: 7.7% below the Insurance median (#277 of 505)
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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