Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
United Fire Group's 3-Year RORE % for the quarter that ended in Mar. 2026 was 116.74%.
The industry rank for United Fire Group's 3-Year RORE % or its related term are showing as below:
UFCS's 3-Year RORE % is ranked better than 95.38% of 476
companies
in the Insurance industry
Industry Median: 11.865
vs UFCS: 116.74
United Fire Group (NAS:UFCS) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
United Fire Group 3-Year RORE % Related Terms
United Fire Group 3-Year RORE % Historical Data
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The historical data trend for United Fire Group's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where United Fire Group's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
United Fire Group (UFCS) has a 3-Year RORE % of 116.74 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on United Fire Group and its competitors. According to the industry distribution chart, United Fire Group ranks #22 out of 476 companies in the Insurance industry, placing it in the top 4.6%.
Is United Fire Group's 3-Year RORE % too high?
United Fire Group's current 3-Year RORE % is 116.74. The Insurance industry median 3-Year RORE % is 11.87. United Fire Group's value of 116.74 is 883.9% above this industry median. Based on the distribution chart, United Fire Group ranks #22 out of 476 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 3-Year RORE % compare to PRA and HGTY?
According to the Insurance industry distribution chart, United Fire Group ranks #22 out of 476 companies for 3-Year RORE %. This places United Fire Group in the top 5% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.87. United Fire Group's value of 116.74 is 883.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.87, based on 476 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current 3-Year RORE % of 116.74 is 883.9% above 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on United Fire Group and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current 3-Year RORE % is 116.74. 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 $31.63, compared to a current price of $53.42 — trading 68.9% above its estimated fair value. The current 3-Year RORE % is 116.74 and 883.9% above the Insurance industry median of 11.87. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For United Fire Group (UFCS), the current 3-Year RORE % is 116.74 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 $53.42 is trading 68.9% above its estimated GF Value™ of $31.63.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
3-Year RORE %: 116.74
GF Value™: $31.63 vs. price of $53.42 (68.9% above fair value)
Industry Position: 883.9% above the Insurance median (#22 of 476)
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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