United Finance CoOG (MUS:UFCI) Effective Interest Rate on Debt %: 7.16% (As of Dec. 2024)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

What is United Finance CoOG Effective Interest Rate on Debt %?

United Finance CoOG MUS:UFCI Effective Interest Rate on Debt % is 7.16% as of Dec. 2024. The stock has 5 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. United Finance CoOG's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was ر.ع3.22 Mil. United Finance CoOG's average total debt for the quarter that ended in Dec. 2024 was ر.ع44.95 Mil. Therefore, United Finance CoOG's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 7.16%.

United Finance CoOG  (MUS:UFCI) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

United Finance CoOG Effective Interest Rate on Debt % Related Terms

United Finance CoOG Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for United Finance CoOG's Effective Interest Rate on Debt % 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.

United Finance CoOG Effective Interest Rate on Debt % Chart

United Finance CoOG Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.16 6.01 5.51 7.01 7.16

United Finance CoOG Semi-Annual Data
Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.16 6.01 5.51 7.01 7.16

MUS:UFCI vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, United Finance CoOG's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, United Finance CoOG's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where United Finance CoOG's Effective Interest Rate on Debt % falls into.


United Finance CoOG Effective Interest Rate on Debt % Calculation

United Finance CoOG's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -3.218/( (43.408+46.486)/ 2 )
=-1  *  -3.218/44.947
=7.16 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=43.408 + 0
=43.408

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=46.486 + 0
=46.486

United Finance CoOG's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2023 )+Total Debt  (Q: Dec. 2024 ))/ count )
=-1  *  -3.218/( (43.408+46.486)/ 2 )
=-1  *  -3.218/44.947
=7.16 %

where

Total Debt  (Q: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=43.408 + 0
=43.408

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=46.486 + 0
=46.486

* 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 annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is one times the annual (Dec. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 7.16% mean?
United Finance CoOG (MUS:UFCI) has a Effective Interest Rate on Debt % of 7.16% as of Dec. 2024. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on United Finance CoOG and its competitors.
Is United Finance CoOG's Effective Interest Rate on Debt % too high?
United Finance CoOG's current Effective Interest Rate on Debt % is 7.16%.
How does United Finance CoOG's Effective Interest Rate on Debt % compare to V and MA?
United Finance CoOG's Effective Interest Rate on Debt % of 7.16% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on United Finance CoOG and its competitors. United Finance CoOG's current Effective Interest Rate on Debt % is 7.16%. 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 16.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 7.16%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For United Finance CoOG (MUS:UFCI), the current Effective Interest Rate on Debt % is 7.16% 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 CoOG Business Description

Address Ruwi, P.O Box 3652, Muscat, OMN, 112
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.