United Fire GroupUFCS +0.95%60 Net Debt Paydown Yield % is -1.58% as of Jul. 04, 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. Among 424 Insurance companies, United Fire Group ranks worse than 69.81% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, United Fire Group's Net Debt Paydown Yield % was -1.58%.
United Fire Group (NAS:UFCS) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
United Fire Group Net Debt Paydown Yield % Related Terms
United Fire Group Net Debt Paydown Yield % Historical Data
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The historical data trend for United Fire Group's Net Debt Paydown Yield % 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 PRA, HGTY, PRCH: Net Debt Paydown Yield % Comparison
For the Insurance - Property & Casualty subindustry, United Fire Group's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where United Fire Group's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of -1.58% mean?
United Fire Group (UFCS) has a Net Debt Paydown Yield % of -1.58% as of Jul. 04, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on United Fire Group and its competitors. According to the industry distribution chart, United Fire Group ranks #296 out of 424 companies in the Insurance industry, placing it in the top 69.8%.
Is United Fire Group's Net Debt Paydown Yield % too high?
United Fire Group's current Net Debt Paydown Yield % is -1.58%. Based on the distribution chart, United Fire Group ranks #296 out of 424 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 Net Debt Paydown Yield % compare to PRA and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #296 out of 424 companies for Net Debt Paydown Yield %. This places United Fire Group in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for an Insurance company?
A good Net Debt Paydown Yield % depends on the Insurance industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on United Fire Group and its competitors. United Fire Group's current Net Debt Paydown Yield % is -1.58%. 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 $31.65, compared to a current price of $53.98 — trading 70.5% above its estimated fair value. The current Net Debt Paydown Yield % is -1.58%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For United Fire Group (UFCS), the current Net Debt Paydown Yield % is -1.58% as of Jul. 04, 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:
Net Debt Paydown Yield %: -1.58%
GF Value™: $31.65 vs. price of $53.98 (70.5% 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.
60GF Score
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