United Fire GroupUFCS +2.51%60 Net Margin % is 8.13% as of Mar. 2026, which is 120% above its 10-year median of 3.70. 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 503 Insurance companies, United Fire Group ranks worse than 51.09% on this metric.
The historical rank and industry rank for United Fire Group's Net Margin % or its related term are showing as below:
UFCS'
s Net Margin % Range Over the Past 10 Years
Min: -10.45 Med: 3.7 Max: 9.15
Current: 9.15
UFCS's Net Margin % is ranked worse than 51.09% of 503
companies
in the Insurance industry
Industry Median: 9.29
vs UFCS: 9.15
United Fire Group (NAS:UFCS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
United Fire Group Net Margin % Related Terms
United Fire Group Net Margin % Historical Data
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The historical data trend for United Fire Group's Net Margin % 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.
For the Insurance - Property & Casualty subindustry, United Fire Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Fire Group's Net Margin % 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.
United Fire Group (UFCS) has a Net Margin % of 8.13% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on United Fire Group and its competitors. This is 120% above median its historical median of 3.70. According to the industry distribution chart, United Fire Group ranks #257 out of 503 companies in the Insurance industry, placing it in the top 51.1%.
Is United Fire Group's Net Margin % too high?
United Fire Group's current Net Margin % of 8.13% is 120% above median its 10-year median of 3.70. The Insurance industry median Net Margin % is 9.29. United Fire Group's value of 8.13% is 12.5% below this industry median. Based on the distribution chart, United Fire Group ranks #257 out of 503 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 Margin % compare to PRCH and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #257 out of 503 companies for Net Margin %. This places United Fire Group in the lower half of its industry. The industry median Net Margin % is 9.29. United Fire Group's value of 8.13% is 12.5% below this benchmark. While the company's 10-year median is 3.70 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current Net Margin % of 8.13% is 12.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on United Fire Group and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current Net Margin % is 8.13%, which is 120% above median its own 10-year median of 3.70. 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 Net Margin % is 8.13%, which is 120% above median its 10-year median of 3.70 and 12.5% below the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For United Fire Group (UFCS), the current Net Margin % is 8.13% 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:
Net Margin %: 8.13% (120% above median its 10-year median of 3.70)
GF Value™: $31.56 vs. price of $51.49 (63.1% above fair value)
Industry Position: 12.5% below the Insurance median (#257 of 503)
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.
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