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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. United Fire Group's Total Liabilities for the quarter that ended in Mar. 2026 was $2,959 Mil. United Fire Group's Total Assets for the quarter that ended in Mar. 2026 was $3,910 Mil.
Therefore, United Fire Group's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.76.
United Fire Group (NAS:UFCS) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
United Fire Group Liabilities-to-Assets Related Terms
United Fire Group Liabilities-to-Assets Historical Data
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The historical data trend for United Fire Group's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Insurance - Property & Casualty subindustry, United Fire Group's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where United Fire Group's Liabilities-to-Assets falls into.
United Fire Group Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
United Fire Group's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.76 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on United Fire Group and its competitors.
Is United Fire Group's Liabilities-to-Assets too high?
United Fire Group's current Liabilities-to-Assets is 0.76. 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 Liabilities-to-Assets compare to PRCH and HGTY?
United Fire Group's Liabilities-to-Assets of 0.76 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for an Insurance company?
A good Liabilities-to-Assets depends on the Insurance industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on United Fire Group and its competitors. United Fire Group's current Liabilities-to-Assets is 0.76. 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 $31.90, compared to a current price of $51.51 — trading 61.5% above its estimated fair value. The current Liabilities-to-Assets is 0.76. United Fire Group's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For United Fire Group (UFCS), the current Liabilities-to-Assets is 0.76 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 $51.51 is trading 61.5% above its estimated GF Value™ of $31.90.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
Liabilities-to-Assets: 0.76
GF Value™: $31.90 vs. price of $51.51 (61.5% above fair value)
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
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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