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United Finance CoOGMUS:UFCI Debt-to-Equity is 0.93 as of Dec. 2024, which is 4% below its 10-year median of 0.97. The stock has 5 warning signs investors should review. Among 455 Credit Services companies, United Finance CoOG ranks better than 56.26% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for United Finance CoOG's Debt-to-Equity or its related term are showing as below:
MUS:UFCI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.59 Med: 0.97 Max: 1.39
Current: 0.93
During the past 13 years, the highest Debt-to-Equity Ratio of United Finance CoOG was 1.39. The lowest was 0.59. And the median was 0.97.
MUS:UFCI's Debt-to-Equity is ranked better than 56.26% of 455
companies
in the Credit Services industry
Industry Median: 1.22
vs MUS:UFCI: 0.93
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
United Finance CoOG Debt-to-Equity Related Terms
United Finance CoOG Debt-to-Equity Historical Data
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The historical data trend for United Finance CoOG's Debt-to-Equity 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 Credit Services subindustry, United Finance CoOG's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Finance CoOG Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where United Finance CoOG's Debt-to-Equity 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.
United Finance CoOG (MUS:UFCI) has a Debt-to-Equity of 0.93 as of Dec. 2024. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on United Finance CoOG and its competitors. This is near median its historical median of 0.97. Over the past decade, United Finance CoOG's Debt-to-Equity has ranged from 0.59 to 1.39. According to the industry distribution chart, United Finance CoOG ranks #199 out of 455 companies in the Credit Services industry, placing it in the top 43.7%.
Is United Finance CoOG's Debt-to-Equity too high?
United Finance CoOG's current Debt-to-Equity of 0.93 is near median its 10-year median of 0.97. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 1.39. The Credit Services industry median Debt-to-Equity is 1.22. United Finance CoOG's value of 0.93 is 23.8% below this industry median. Based on the distribution chart, United Finance CoOG ranks #199 out of 455 companies in the Credit Services industry, which is above the industry midpoint.
How does United Finance CoOG's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #199 out of 455 companies for Debt-to-Equity. This puts United Finance CoOG in the upper half of its industry. The industry median Debt-to-Equity is 1.22. United Finance CoOG's value of 0.93 is 23.8% below this benchmark. Historically, United Finance CoOG's own Debt-to-Equity has ranged from 0.59 to 1.39 over the past decade. While the company's 10-year median is 0.97 vs. the industry median of 1.22, United Finance CoOG 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.22, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance CoOG's current Debt-to-Equity of 0.93 is 23.8% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on United Finance CoOG and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current Debt-to-Equity is 0.93, which is near median its own 10-year median of 0.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Finance CoOG stock overvalued right now?
Based on GuruFocus' analysis, United Finance CoOG (MUS:UFCI) is currently considered Modestly Overvalued. The stock's GF Value™ is ر.ع0.08, compared to a current price of ر.ع0.09 — trading 11.3% above its estimated fair value. The current Debt-to-Equity is 0.93, which is near median its 10-year median of 0.97 and 23.8% below the Credit Services industry median of 1.22. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For United Finance CoOG (MUS:UFCI), the current Debt-to-Equity is 0.93 as of Dec. 2024. 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.
United Finance Co SAOG is principally involved in providing vehicle and equipment financing and is also licensed to provide composite loans, bridge loans, hire purchase, debt factoring and financing of receivables and leasing in the Sultanate of Oman. The company's offerings include Car finance, Fleet finance, Business finance, Term loans, Equipment finance, Commercial vehicle and many more. The company derives revenue in the form of interest income, with the majority coming from its retail customers.
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