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United Fire GroupUFCS -0.05%58 Shiller PE Ratio is 42.41 as of Sep. 06, 2026, which is 88% above its 10-year median of 22.58. GuruFocus rates UFCS with a GF Score™ of 58/100 and a GF Value™ of $33.10 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 368 Insurance companies, United Fire Group ranks worse than 90.22% on this metric.
The historical rank and industry rank for United Fire Group's Shiller PE Ratio or its related term are showing as below:
UFCS'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 13.01 Med: 22.58 Max: 43.79
Current: 42.35
During the past years, United Fire Group's highest Shiller PE Ratio was 43.79. The lowest was 13.01. And the median was 22.58.
UFCS's Shiller PE Ratio is ranked worse than 90.22% of 368
companies
in the Insurance industry
Industry Median: 16.715
vs UFCS: 42.35
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
United Fire Group's adjusted earnings per share data for the three months ended in Jun. 2026 was $1.290. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $1.32 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
United Fire Group (NAS:UFCS) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
United Fire Group Shiller PE Ratio Related Terms
United Fire Group Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for United Fire Group's Shiller PE 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.
UFCS vs HGTY, TRUP, ASIC: Shiller PE Ratio Comparison
For the Insurance - Property & Casualty subindustry, United Fire Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, United Fire Group's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where United Fire Group's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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's E10 for the quarter that ended in Jun. 2026 is calculated as:
For example, United Fire Group's adjusted earnings per share data for the three months ended in Jun. 2026 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
United Fire Group (UFCS) has a Shiller PE Ratio of 42.41 as of Sep. 06, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on United Fire Group and its competitors. This is 88% above median its historical median of 22.58. Over the past decade, United Fire Group's Shiller PE Ratio has ranged from 13.01 to 43.79. According to the industry distribution chart, United Fire Group ranks #332 out of 368 companies in the Insurance industry, placing it in the top 90.2%.
Is United Fire Group's Shiller PE Ratio too high?
United Fire Group's current Shiller PE Ratio of 42.41 is 88% above median its 10-year median of 22.58. Over the past 10 years, this metric has ranged from a low of 13.01 to a high of 43.79. The Insurance industry median Shiller PE Ratio is 16.72. United Fire Group's value of 42.41 is 153.7% above this industry median. Based on the distribution chart, United Fire Group ranks #332 out of 368 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, United Fire Group has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Fire Group's Shiller PE Ratio compare to HGTY and TRUP?
According to the Insurance industry distribution chart, United Fire Group ranks #332 out of 368 companies for Shiller PE Ratio. This places United Fire Group in the lower half of its industry. The industry median Shiller PE Ratio is 16.72. United Fire Group's value of 42.41 is 153.7% above this benchmark. Historically, United Fire Group's own Shiller PE Ratio has ranged from 13.01 to 43.79 over the past decade. While the company's 10-year median is 22.58 vs. the industry median of 16.72, United Fire Group has consistently been above 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 Shiller PE Ratio for an Insurance company?
The median Shiller PE Ratio among Insurance companies is 16.72, based on 368 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Fire Group's current Shiller PE Ratio of 42.41 is 153.7% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on United Fire Group and its competitors. For the Insurance industry, the median Shiller PE Ratio is 16.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Fire Group's current Shiller PE Ratio is 42.41, which is 88% above median its own 10-year median of 22.58. 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 $33.10, compared to a current price of $55.98 — trading 69.1% above its estimated fair value. The current Shiller PE Ratio is 42.41, which is 88% above median its 10-year median of 22.58 and 153.7% above the Insurance industry median of 16.72. United Fire Group's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For United Fire Group (UFCS), the current Shiller PE Ratio is 42.41 as of Sep. 06, 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 $55.98 is trading 69.1% above its estimated GF Value™ of $33.10.
GuruFocus considers United Fire Group to be Significantly Overvalued.
Key valuation signals for UFCS:
Shiller PE Ratio: 42.41 (88% above median its 10-year median of 22.58)
GF Value™: $33.10 vs. price of $55.98 (69.1% above fair value)
Industry Position: 153.7% above the Insurance median (#332 of 368)
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.
58GF Score
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