UFCS (United Fire Group) Long-Term Debt: $146 Mil (As of Mar. 2026)


UFCS United Fire Group Inc UFCS
60 GF Score
Price $53.98
GF Value $31.65
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is United Fire Group Long-Term Debt?

United Fire Group UFCS +0.95% 60 Long-Term Debt is $146 Mil as of Mar. 2026. GuruFocus rates UFCS with a GF Score™ of 60/100 and a GF Value™ of $31.65 (Significantly Overvalued). The stock has 6 warning signs investors should review.

United Fire Group's Long-Term Debt for the quarter that ended in Mar. 2026 was $146 Mil.

United Fire Group's quarterly Long-Term Debt increased from Sep. 2025 ($146 Mil) to Dec. 2025 ($146 Mil) and increased from Dec. 2025 ($146 Mil) to Mar. 2026 ($146 Mil).

United Fire Group's annual Long-Term Debt increased from Dec. 2023 ($50 Mil) to Dec. 2024 ($117 Mil) and increased from Dec. 2024 ($117 Mil) to Dec. 2025 ($146 Mil).

United Fire Group  (NAS:UFCS) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

United Fire Group Long-Term Debt Related Terms

United Fire Group Long-Term Debt Historical Data

* Premium members only.

The historical data trend for United Fire Group's Long-Term Debt 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 Long-Term Debt Chart

United Fire Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 50.00 50.00 50.00 117.06 146.20

United Fire Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 117.16 146.13 146.20 146.27
UFCS
60GF Score
United Fire Group Inc UFCS
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $146 Mil mean?
United Fire Group (UFCS) has a Long-Term Debt of $146 Mil as of Mar. 2026.
Is United Fire Group's Long-Term Debt too high?
United Fire Group's current Long-Term Debt is $146 Mil. 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 Long-Term Debt compare to PRA and HGTY?
United Fire Group's Long-Term Debt of $146 Mil 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 Long-Term Debt for an Insurance company?
A good Long-Term Debt depends on the Insurance industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. United Fire Group's current Long-Term Debt is $146 Mil. 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 $31.65, compared to a current price of $53.98 — trading 70.5% above its estimated fair value. The current Long-Term Debt is $146 Mil. United Fire Group's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For United Fire Group (UFCS), the current Long-Term Debt is $146 Mil 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 $53.98 is trading 70.5% above its estimated GF Value™ of $31.65. GuruFocus considers United Fire Group to be Significantly Overvalued.

Key valuation signals for UFCS:

  • Long-Term Debt: $146 Mil
  • GF Value™: $31.65 vs. price of $53.98 (70.5% above fair value)
  • GF Score™: 60/100 with 6 warning signs

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 Business Description

Address 118 Second Avenue SE, Cedar Rapids, IA, USA, 52401
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

Get the complete analysis for UFCS

Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$53.98
Price
$31.65
GF Value