United Fire GroupUFCS +2.51%60 FCF Margin % is 15.22% as of Mar. 2026, which is 41% above its 10-year median of 10.81. GuruFocus rates UFCS with a GF Score™ of 60/100 and a GF Value™ of $31.56 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 502 Insurance companies, United Fire Group ranks better than 73.31% on this metric.
The historical rank and industry rank for United Fire Group's FCF Margin % or its related term are showing as below:
UFCS'
s FCF Margin % Range Over the Past 10 Years
Min: -0.34 Med: 10.81 Max: 26.24
Current: 20.08
During the past 13 years, the highest FCF Margin % of United Fire Group was 26.24%. The lowest was -0.34%. And the median was 10.81%.
UFCS's FCF Margin % is ranked better than 73.31% of 502
companies
in the Insurance industry
Industry Median: 9.63
vs UFCS: 20.08
United Fire Group FCF Margin % Related Terms
United Fire Group FCF Margin % Historical Data
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The historical data trend for United Fire Group's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where United Fire Group's FCF Margin % falls into.
* 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 FCF Margin % of 15.22% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Fire Group and its competitors. This is 41% above median its historical median of 10.81. According to the industry distribution chart, United Fire Group ranks #134 out of 502 companies in the Insurance industry, placing it in the top 26.7%.
Is United Fire Group's FCF Margin % too high?
United Fire Group's current FCF Margin % of 15.22% is 41% above median its 10-year median of 10.81. The Insurance industry median FCF Margin % is 9.63. United Fire Group's value of 15.22% is 58% above this industry median. Based on the distribution chart, United Fire Group ranks #134 out of 502 companies in the Insurance industry, which is above the industry midpoint. Overall, United Fire Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Fire Group's FCF Margin % compare to PRCH and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #134 out of 502 companies for FCF Margin %. This puts United Fire Group in the upper half of its industry. The industry median FCF Margin % is 9.63. United Fire Group's value of 15.22% is 58% above this benchmark. While the company's 10-year median is 10.81 vs. the industry median of 9.63, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current FCF Margin % of 15.22% is 58% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Fire Group and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current FCF Margin % is 15.22%, which is 41% above median its own 10-year median of 10.81. 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 $31.56, compared to a current price of $51.49 — trading 63.1% above its estimated fair value. The current FCF Margin % is 15.22%, which is 41% above median its 10-year median of 10.81 and 58% above the Insurance industry median of 9.63. United Fire Group's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For United Fire Group (UFCS), the current FCF Margin % is 15.22% 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 $51.49 is trading 63.1% above its estimated GF Value™ of $31.56.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
FCF Margin %: 15.22% (41% above median its 10-year median of 10.81)
GF Value™: $31.56 vs. price of $51.49 (63.1% above fair value)
Industry Position: 58% above the Insurance median (#134 of 502)
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.
60GF Score
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