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United Fire GroupUFCS -1.00%58 Intrinsic Value: Projected FCF is $82.36 as of Sep. 16, 2026. GuruFocus rates UFCS with a GF Score™ of 58/100 and a GF Value™ of $33.20 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 399 Insurance companies, United Fire Group ranks better than 57.64% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-16), United Fire Group's Intrinsic Value: Projected FCF is $82.36. The stock price of United Fire Group is $54.4193. Therefore, United Fire Group's Price-to-Intrinsic-Value-Projected-FCF of today is 0.7.
The historical rank and industry rank for United Fire Group's Intrinsic Value: Projected FCF or its related term are showing as below:
UFCS'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.28 Med: 0.48 Max: 0.68
Current: 0.66
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of United Fire Group was 0.68. The lowest was 0.28. And the median was 0.48.
UFCS's Price-to-Projected-FCF is ranked better than 57.64% of 399
companies
in the Insurance industry
Industry Median: 0.75
vs UFCS: 0.66
United Fire Group (NAS:UFCS) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
United Fire Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
54.4193
/
82.387742817719
=
0.66
* 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 Intrinsic Value: Projected FCF Related Terms
United Fire Group Intrinsic Value: Projected FCF Historical Data
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The historical data trend for United Fire Group's Intrinsic Value: Projected 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.
United Fire Group Intrinsic Value: Projected FCF Chart
UFCS vs HGTY, TRUP, ASIC: Intrinsic Value: Projected FCF Comparison
For the Insurance - Property & Casualty subindustry, United Fire Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where United Fire Group's Price-to-Projected-FCF falls into.
United Fire Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $82.36 mean?
United Fire Group (UFCS) has a Intrinsic Value: Projected FCF of $82.36 as of Sep. 16, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on United Fire Group and its competitors. According to the industry distribution chart, United Fire Group ranks #169 out of 399 companies in the Insurance industry, placing it in the top 42.4%.
Is United Fire Group's Intrinsic Value: Projected FCF too high?
United Fire Group's current Intrinsic Value: Projected FCF is $82.36. The Insurance industry median Intrinsic Value: Projected FCF is 0.75. United Fire Group's value of $82.36 is 10881.3% above this industry median. Based on the distribution chart, United Fire Group ranks #169 out of 399 companies in the Insurance industry, which is above the industry midpoint. Overall, United Fire Group has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Fire Group's Intrinsic Value: Projected FCF compare to HGTY and TRUP?
According to the Insurance industry distribution chart, United Fire Group ranks #169 out of 399 companies for Intrinsic Value: Projected FCF. This puts United Fire Group in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.75. United Fire Group's value of $82.36 is 10881.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.75, based on 399 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current Intrinsic Value: Projected FCF of $82.36 is 10881.3% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on United Fire Group and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current Intrinsic Value: Projected FCF is $82.36. 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 $33.20, compared to a current price of $54.42 — trading 63.9% above its estimated fair value. The current Intrinsic Value: Projected FCF is $82.36 and 10881.3% above the Insurance industry median of 0.75. United Fire Group's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For United Fire Group (UFCS), the current Intrinsic Value: Projected FCF is $82.36 as of Sep. 16, 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 $54.42 is trading 63.9% above its estimated GF Value™ of $33.20.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
Intrinsic Value: Projected FCF: $82.36
GF Value™: $33.20 vs. price of $54.42 (63.9% above fair value)
Industry Position: 10881.3% above the Insurance median (#169 of 399)
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.
58GF Score
Get the complete analysis for UFCS
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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