United Fire GroupUFCS +4.79%60 PS Ratio is 0.96 as of Jun. 29, 2026, which is 33% above its 10-year median of 0.72. GuruFocus rates UFCS with a GF Score™ of 60/100 and a GF Value™ of $31.58 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 505 Insurance companies, United Fire Group ranks better than 58.61% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, United Fire Group's share price is $52.17.
United Fire Group's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $54.46. Hence, United Fire Group's PS Ratio for today is 0.96.
Warning Sign:
United Fire Group Inc stock PS Ratio (=0.96) is close to 5-year high of 0.96.
The historical rank and industry rank for United Fire Group's PS Ratio or its related term are showing as below:
UFCS'
s PS Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.72 Max: 1.43
Current: 0.96
During the past 13 years, United Fire Group's highest PS Ratio was 1.43. The lowest was 0.41. And the median was 0.72.
UFCS's PS Ratio is ranked better than 58.61% of 505
companies
in the Insurance industry
Industry Median: 1.15
vs UFCS: 0.96
During the past 12 months, the average Revenue per Share Growth Rate of United Fire Group was 9.50% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 10.50% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 4.60% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 2.60% per year.
During the past 13 years, United Fire Group's highest 3-Year average Revenue per Share Growth Rate was 26.00% per year. The lowest was -6.90% per year. And the median was 6.80% per year.
Back to Basics: PS Ratio
United Fire Group (NAS:UFCS) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
United Fire Group PS Ratio Related Terms
United Fire Group PS Ratio Historical Data
* Premium members only.
The historical data trend for United Fire Group's PS 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.
For the Insurance - Property & Casualty subindustry, United Fire Group's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's PS Ratio distribution charts can be found below:
* The bar in red indicates where United Fire Group's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
United Fire Group's Share Price of today is $52.17. United Fire Group's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $54.46.
* 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.
It can also be calculated from the numbers for the whole company:
United Fire Group (UFCS) has a PS Ratio of 0.96 as of Jun. 29, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Fire Group and its competitors. This is 33% above median its historical median of 0.72. Over the past decade, United Fire Group's PS Ratio has ranged from 0.41 to 1.43. According to the industry distribution chart, United Fire Group ranks #209 out of 505 companies in the Insurance industry, placing it in the top 41.4%.
Is United Fire Group's PS Ratio too high?
United Fire Group's current PS Ratio of 0.96 is 33% above median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.43. The Insurance industry median PS Ratio is 1.15. United Fire Group's value of 0.96 is 16.5% below this industry median. Based on the distribution chart, United Fire Group ranks #209 out of 505 companies in the Insurance industry, which is above 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 PS Ratio compare to PRA and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #209 out of 505 companies for PS Ratio. This puts United Fire Group in the upper half of its industry. The industry median PS Ratio is 1.15. United Fire Group's value of 0.96 is 16.5% below this benchmark. Historically, United Fire Group's own PS Ratio has ranged from 0.41 to 1.43 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 1.15, 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 PS Ratio for an Insurance company?
The median PS Ratio among Insurance companies is 1.15, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current PS Ratio of 0.96 is 16.5% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Fire Group and its competitors. For the Insurance industry, the median PS Ratio is 1.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current PS Ratio is 0.96, which is 33% above median its own 10-year median of 0.72. 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 $31.58, compared to a current price of $52.17 — trading 65.2% above its estimated fair value. The current PS Ratio is 0.96, which is 33% above median its 10-year median of 0.72 and 16.5% below the Insurance industry median of 1.15. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For United Fire Group (UFCS), the current PS Ratio is 0.96 as of Jun. 29, 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 $52.17 is trading 65.2% above its estimated GF Value™ of $31.58.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
PS Ratio: 0.96 (33% above median its 10-year median of 0.72)
GF Value™: $31.58 vs. price of $52.17 (65.2% above fair value)
Industry Position: 16.5% below the Insurance median (#209 of 505)
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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