UFCS (United Fire Group) Dividend Payout Ratio: 0.17 (As of Mar. 2026) — 69% Below Median


UFCS United Fire Group Inc UFCS
60 GF Score
Price $51.07
GF Value $31.57
Valuation Significantly Overvalued
! 6 Warning Signs
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What is United Fire Group Dividend Payout Ratio?

United Fire Group UFCS +1.65% 60 Dividend Payout Ratio is 0.17 as of Mar. 2026, which is 69% below its 10-year median of 0.54. GuruFocus rates UFCS with a GF Score™ of 60/100 and a GF Value™ of $31.57 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 335 Insurance companies, United Fire Group ranks better than 89.25% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. United Fire Group's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.17.

The historical rank and industry rank for United Fire Group's Dividend Payout Ratio or its related term are showing as below:

UFCS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.13   Med: 0.54   Max: 2.24
Current: 0.13

During the past 13 years, the highest Dividend Payout Ratio of United Fire Group was 2.24. The lowest was 0.13. And the median was 0.54.

UFCS's Dividend Payout Ratio is ranked better than
89.25% of 335 companies
in the Insurance industry
Industry Median: 0.38 vs UFCS: 0.13

As of today (2026-06-25), the Dividend Yield % of United Fire Group is 1.41%.

During the past 13 years, the highest Trailing Annual Dividend Yield of United Fire Group was 6.89%. The lowest was 1.33%. And the median was 2.40%.

United Fire Group's Dividends per Share for the months ended in Mar. 2026 was $0.20.

During the past 12 months, United Fire Group's average Dividends Per Share Growth Rate was 6.20% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 0.50% per year. During the past 5 years, the average Dividends Per Share Growth Rate was -7.40% per year. During the past 10 years, the average Dividends Per Share Growth Rate was -6.00% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of United Fire Group was 14.70% per year. The lowest was -21.50% per year. And the median was 6.60% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

United Fire Group (NAS:UFCS) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

United Fire Group Dividend Payout Ratio Related Terms

United Fire Group Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for United Fire Group's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

United Fire Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.36 0.58 0.00 0.25 0.14

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
Dividend Payout Ratio 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 0.23 0.18 0.11 0.11 0.17

UFCS vs PRCH, HGTY, PRA: Dividend Payout Ratio Comparison

For the Insurance - Property & Casualty subindustry, United Fire Group's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, United Fire Group's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where United Fire Group's Dividend Payout Ratio falls into.


UFCS
60GF Score
United Fire Group Inc UFCS
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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United Fire Group Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

United Fire Group's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.64/ 4.6
=0.14

United Fire Group's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Mar. 2026 )/ EPS without NRI (Q: Mar. 2026 )
=0.2/ 1.16
=0.17

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.17 mean?
United Fire Group (UFCS) has a Dividend Payout Ratio of 0.17 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United Fire Group and its competitors. This is 69% below median its historical median of 0.54. Over the past decade, United Fire Group's Dividend Payout Ratio has ranged from 0.13 to 2.24. According to the industry distribution chart, United Fire Group ranks #36 out of 335 companies in the Insurance industry, placing it in the top 10.7%.
Is United Fire Group's Dividend Payout Ratio too high?
United Fire Group's current Dividend Payout Ratio of 0.17 is 69% below median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 2.24. The Insurance industry median Dividend Payout Ratio is 0.38. United Fire Group's value of 0.17 is 55.3% below this industry median. Based on the distribution chart, United Fire Group ranks #36 out of 335 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Dividend Payout Ratio compare to PRCH and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #36 out of 335 companies for Dividend Payout Ratio. This places United Fire Group in the top 11% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.38. United Fire Group's value of 0.17 is 55.3% below this benchmark. Historically, United Fire Group's own Dividend Payout Ratio has ranged from 0.13 to 2.24 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 0.38, 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 Dividend Payout Ratio for an Insurance company?
The median Dividend Payout Ratio among Insurance companies is 0.38, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current Dividend Payout Ratio of 0.17 is 55.3% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United Fire Group and its competitors. For the Insurance industry, the median Dividend Payout Ratio is 0.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current Dividend Payout Ratio is 0.17, which is 69% below median its own 10-year median of 0.54. 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 $31.57, compared to a current price of $51.07 — trading 61.8% above its estimated fair value. The current Dividend Payout Ratio is 0.17, which is 69% below median its 10-year median of 0.54 and 55.3% below the Insurance industry median of 0.38. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For United Fire Group (UFCS), the current Dividend Payout Ratio is 0.17 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 $51.07 is trading 61.8% above its estimated GF Value™ of $31.57. GuruFocus considers United Fire Group to be Significantly Overvalued.

Key valuation signals for UFCS:

  • Dividend Payout Ratio: 0.17 (69% below median its 10-year median of 0.54)
  • GF Value™: $31.57 vs. price of $51.07 (61.8% above fair value)
  • GF Score™: 60/100 with 6 warning signs
  • Industry Position: 55.3% below the Insurance median (#36 of 335)

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

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Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$51.07
Price
$31.57
GF Value