United Fire GroupUFCS +2.51%60 Interest Coverage is 12.94 as of Mar. 2026, which is 12% above its 10-year median of 11.58. 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 353 Insurance companies, United Fire Group ranks worse than 52.69% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. United Fire Group's
EBIT
for the
three
months ended in Mar. 2026 was $41 Mil. United Fire Group's Interest Expense for the
three
months ended in Mar. 2026 was $-3 Mil.
United Fire Group's interest coverage for the quarter that ended in Mar. 2026 was 12.94.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for United Fire Group's Interest Coverage or its related term are showing as below:
UFCS'
s Interest Coverage Range Over the Past 10 Years
Min: 0.26 Med: 11.58 Max: 31.39
Current: 14.71
UFCS's Interest Coverage is ranked worse than 52.69% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs UFCS: 14.71
United Fire Group (NAS:UFCS) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
United Fire Group Interest Coverage Related Terms
United Fire Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for United Fire Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
UFCS vs PRCH, HGTY, PRA: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, United Fire Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where United Fire Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 12.94 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on United Fire Group and its competitors. This is 12% above median its historical median of 11.58. Over the past decade, United Fire Group's Interest Coverage has ranged from 0.26 to 31.39. According to the industry distribution chart, United Fire Group ranks #186 out of 353 companies in the Insurance industry, placing it in the top 52.7%.
Is United Fire Group's Interest Coverage too high?
United Fire Group's current Interest Coverage of 12.94 is 12% above median its 10-year median of 11.58. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 31.39. The Insurance industry median Interest Coverage is 16.26. United Fire Group's value of 12.94 is 20.4% below this industry median. Based on the distribution chart, United Fire Group ranks #186 out of 353 companies in the Insurance industry, which is below 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 Interest Coverage compare to PRCH and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #186 out of 353 companies for Interest Coverage. This places United Fire Group in the lower half of its industry. The industry median Interest Coverage is 16.26. United Fire Group's value of 12.94 is 20.4% below this benchmark. Historically, United Fire Group's own Interest Coverage has ranged from 0.26 to 31.39 over the past decade. While the company's 10-year median is 11.58 vs. the industry median of 16.26, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.26, based on 353 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current Interest Coverage of 12.94 is 20.4% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on United Fire Group and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current Interest Coverage is 12.94, which is 12% above median its own 10-year median of 11.58. 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 Interest Coverage is 12.94, which is 12% above median its 10-year median of 11.58 and 20.4% below the Insurance industry median of 16.26. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For United Fire Group (UFCS), the current Interest Coverage is 12.94 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:
Interest Coverage: 12.94 (12% above median its 10-year median of 11.58)
GF Value™: $31.56 vs. price of $51.49 (63.1% above fair value)
Industry Position: 20.4% below the Insurance median (#186 of 353)
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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