United Fire GroupUFCS -0.56%59 EV-to-FCF is 4.58 as of Jul. 10, 2026, which is 18% below its 10-year median of 5.59. GuruFocus rates UFCS with a GF Score™ of 59/100 and a GF Value™ of $31.71 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 393 Insurance companies, United Fire Group ranks better than 77.35% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United Fire Group's Enterprise Value is $1,310 Mil.
United Fire Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $286 Mil. Therefore, United Fire Group's EV-to-FCF for today is 4.58.
The historical rank and industry rank for United Fire Group's EV-to-FCF or its related term are showing as below:
UFCS'
s EV-to-FCF Range Over the Past 10 Years
Min: -1384.38 Med: 5.59 Max: 115.96
Current: 4.58
During the past 13 years, the highest EV-to-FCF of United Fire Group was 115.96. The lowest was -1384.38. And the median was 5.59.
UFCS's EV-to-FCF is ranked better than 77.35% of 393
companies
in the Insurance industry
Industry Median: 9.48
vs UFCS: 4.58
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $51.67.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
United Fire Group EV-to-FCF Related Terms
United Fire Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for United Fire Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Fire Group's EV-to-FCF falls into.
United Fire Group's current Enterprise Value is $1,310 Mil.
United Fire Group's Free Cash Flow 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 $286 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-FCF of 4.58 as of Jul. 10, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Fire Group and its competitors. This is 18% below median its historical median of 5.59. According to the industry distribution chart, United Fire Group ranks #89 out of 393 companies in the Insurance industry, placing it in the top 22.6%.
Is United Fire Group's EV-to-FCF too high?
United Fire Group's current EV-to-FCF of 4.58 is 18% below median its 10-year median of 5.59. The Insurance industry median EV-to-FCF is 9.48. United Fire Group's value of 4.58 is 51.7% below this industry median. Based on the distribution chart, United Fire Group ranks #89 out of 393 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 EV-to-FCF compare to PRA and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #89 out of 393 companies for EV-to-FCF. This places United Fire Group in the top 23% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.48. United Fire Group's value of 4.58 is 51.7% below this benchmark. While the company's 10-year median is 5.59 vs. the industry median of 9.48, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.48, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current EV-to-FCF of 4.58 is 51.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Fire Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current EV-to-FCF is 4.58, which is 18% below median its own 10-year median of 5.59. 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 $31.71, compared to a current price of $51.67 — trading 62.9% above its estimated fair value. The current EV-to-FCF is 4.58, which is 18% below median its 10-year median of 5.59 and 51.7% below the Insurance industry median of 9.48. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For United Fire Group (UFCS), the current EV-to-FCF is 4.58 as of Jul. 10, 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 $51.67 is trading 62.9% above its estimated GF Value™ of $31.71.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
EV-to-FCF: 4.58 (18% below median its 10-year median of 5.59)
GF Value™: $31.71 vs. price of $51.67 (62.9% above fair value)
Industry Position: 51.7% below the Insurance median (#89 of 393)
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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