UFCS
United Fire Group
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: UFCS
- PE Ratio
As at Jun 23, 2026, the UFCS stock has a PE ratio of 9.81. This is based on the current EPS of $5.12 and the stock price of $50.24 per share. An increase of 31% has been seen in the P/E ratio compared to the average of 7.5 of the last 4 quarters.
UFCS PE ratio history
The mean historical PE ratio of United Fire Group over the last ten years is 27.83. The current 9.81 PE ratio is 65% below the historical average. Over the past ten years, UFCS's PE ratio was at its highest in the Sep 2019 quarter at 138.18, with a price of $46.98 and an EPS of $0.34. The Sep 2025 quarter recorded the bottom point at 6.95, with a price of $30.42 and an EPS of $4.38.
United Fire Group PE ratio by year
Maximum annual increase: 531.58% in 2022
Maximum annual decrease: -32.56% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 7.83 | -32.56% | $36.35 | $4.64 |
| 2024 | 11.61 | N/A | $28.45 | $2.45 |
| 2023 | N/A | N/A | $20.12 | -$1.18 |
| 2022 | 45.6 | 531.58% | $27.36 | $0.6 |
| 2021 | 7.22 | N/A | $23.19 | $3.21 |
| 2020 | N/A | N/A | $25.1 | -$4.5 |
| 2019 | 74.12 | 48.39% | $43.73 | $0.59 |
| 2018 | 49.95 | 122.49% | $55.45 | $1.11 |
| 2017 | 22.45 | -10.06% | $45.58 | $2.03 |
| 2016 | 24.96 | 131.97% | $49.17 | $1.97 |
| 2015 | 10.76 | -15.34% | $38.31 | $3.56 |
| 2014 | 12.71 | 33.51% | $29.73 | $2.34 |
| 2013 | 9.52 | -31.11% | $28.66 | $3.01 |
| 2012 | 13.82 | N/A | $21.84 | $1.58 |
| 2011 | N/A | N/A | $20.18 | $0 |
United Fire Group PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 7.24 | -7.54% | $37.06 | $5.12 |
| Dec 2025 | 7.83 | 12.66% | $36.35 | $4.64 |
| Sep 2025 | 6.95 | -12.36% | $30.42 | $4.38 |
| Jun 2025 | 7.93 | -29.76% | $28.7 | $3.62 |
| Mar 2025 | 11.29 | -2.76% | $29.46 | $2.61 |
| Dec 2024 | 11.61 | 9.32% | $28.45 | $2.45 |
| Sep 2024 | 10.62 | -28.82% | $20.93 | $1.97 |
| Jun 2024 | 14.92 | N/A | $21.49 | $1.44 |
| Mar 2024 | N/A | N/A | $21.77 | -$0.68 |
| Dec 2023 | N/A | N/A | $20.12 | -$1.18 |
| Sep 2023 | N/A | N/A | $19.75 | -$1.15 |
| Jun 2023 | N/A | N/A | $22.66 | -$2.31 |
| Mar 2023 | N/A | N/A | $26.55 | -$0.5 |
| Dec 2022 | 45.6 | 233.33% | $27.36 | $0.6 |
| Sep 2022 | 13.68 | 5.07% | $28.73 | $2.1 |
UFCS Price vs fair value
UFCS average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
UFCS's current P/E ratio is above the 3-year historical average, but it is below the 5 and 10-year averages.
PE comparison
With a P/E of 9.81, UFCS is below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 12.95, United Fire Group's P/E is 24% lower.
UFCS PE vs peers
UFCS's PE ratio is lower than its peer stocks CB and CINF, but it is greater than TRV's and ACGL's. United Fire Group is presently trading at a lower PE ratio (9.81) than its peer group average of 10.33.
| Stock name | PE ratio | Market cap |
|---|---|---|
| WTM White Mountains Insurance Group Ltd | 5.01 | $5.01B |
| ACGL Arch Capital Group Ltd | 7.06 | $32.74B |
| TRV Travelers Companies Inc | 9.31 | $67.4B |
| UFCS United Fire Group Inc | 9.81 | $1.29B |
| CINF Cincinnati Financial Corp | 9.95 | $27.2B |
| THG Hanover Insurance Group Inc | 10.26 | $7.26B |
| CNA Cna Financial Corp | 10.47 | $12.69B |
| CB Chubb Ltd | 11.63 | $128.81B |
| RLI Rli Corp | 12.52 | $4.95B |
| AFG American Financial Group Inc | 13.03 | $11.39B |
| L Loews Corp | 14.03 | $22.75B |
Frequently asked questions
What is United Fire Group's PE ratio?
The price to earnings ratio for UFCS stock is 9.81 as of Jun 23, 2026.
What is the 3-year average PE ratio for United Fire Group (UFCS)?
The average PE ratio for UFCS stock over the past 3 years is 9.8.
What is the 5-year average PE ratio for United Fire Group (UFCS)?
The average PE ratio for UFCS stock over the past 5 years is 14.79.
What is the highest PE ratio for UFCS?
The highest quarterly PE ratio in the last ten years has been 138.18 and it was in the Sep 2019 quarter.
How does the current PE ratio for UFCS compare to its historical average?
UFCS's current price to earnings ratio is 65% below its 10-year historical average.
Why is United Fire Group's PE ratio so low?
UFCS's stock price is trading at a lower multiple of earnings, which is why its PE ratio of 9.81 is considered low.
How is UFCS's PE ratio calculated (United Fire Group PE ratio formula)?
To determine the PE ratio, divide the most recent stock price by the TTM earnings per share (EPS). As of today (Jun 23, 2026), United Fire Group's stock price is $50.24. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $5.12. Therefore, United Fire Group's P/E ratio for today is 9.81. PE RATIO(9.81) = STOCK PRICE($50.24) / TTM EPS($5.12)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.