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United Finance CoOGMUS:UFCI Equity-to-Asset is 0.45 as of Dec. 2024, which is 2% above its 10-year median of 0.44. The stock has 5 warning signs investors should review. Among 550 Credit Services companies, United Finance CoOG ranks better than 54.73% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. United Finance CoOG's Total Stockholders Equity for the quarter that ended in Dec. 2024 was ر.ع49.96 Mil. United Finance CoOG's Total Assets for the quarter that ended in Dec. 2024 was ر.ع110.60 Mil.
Therefore, United Finance CoOG's Equity to Asset Ratio for the quarter that ended in Dec. 2024 was 0.45.
The historical rank and industry rank for United Finance CoOG's Equity-to-Asset or its related term are showing as below:
MUS:UFCI'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.36 Med: 0.44 Max: 0.56
Current: 0.45
During the past 13 years, the highest Equity to Asset Ratio of United Finance CoOG was 0.56. The lowest was 0.36. And the median was 0.44.
MUS:UFCI's Equity-to-Asset is ranked better than 54.73% of 550
companies
in the Credit Services industry
Industry Median: 0.4
vs MUS:UFCI: 0.45
United Finance CoOG (MUS:UFCI) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
United Finance CoOG Equity-to-Asset Related Terms
United Finance CoOG Equity-to-Asset Historical Data
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The historical data trend for United Finance CoOG's Equity-to-Asset 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.
MUS:UFCI vs V, MA, AXP: Equity-to-Asset Comparison
For the Credit Services subindustry, United Finance CoOG's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where United Finance CoOG's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
United Finance CoOG's Equity to Asset Ratio for the fiscal year that ended in Dec. 2024 is calculated as
* 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 Equity-to-Asset of 0.45 as of Dec. 2024. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on United Finance CoOG and its competitors. This is near median its historical median of 0.44. Over the past decade, United Finance CoOG's Equity-to-Asset has ranged from 0.36 to 0.56. According to the industry distribution chart, United Finance CoOG ranks #249 out of 550 companies in the Credit Services industry, placing it in the top 45.3%.
Is United Finance CoOG's Equity-to-Asset too high?
United Finance CoOG's current Equity-to-Asset of 0.45 is near median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 0.56. The Credit Services industry median Equity-to-Asset is 0.40. United Finance CoOG's value of 0.45 is 12.5% above this industry median. Based on the distribution chart, United Finance CoOG ranks #249 out of 550 companies in the Credit Services industry, which is above the industry midpoint.
How does United Finance CoOG's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #249 out of 550 companies for Equity-to-Asset. This puts United Finance CoOG in the upper half of its industry. The industry median Equity-to-Asset is 0.40. United Finance CoOG's value of 0.45 is 12.5% above this benchmark. Historically, United Finance CoOG's own Equity-to-Asset has ranged from 0.36 to 0.56 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.40, United Finance CoOG 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 550 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance CoOG's current Equity-to-Asset of 0.45 is 12.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on United Finance CoOG and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current Equity-to-Asset is 0.45, which is near median its own 10-year median of 0.44. 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?
United Finance CoOG (MUS:UFCI) has a current Equity-to-Asset of 0.45. The current Equity-to-Asset is 0.45, which is near median its 10-year median of 0.44 and 12.5% above the Credit Services industry median of 0.40. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For United Finance CoOG (MUS:UFCI), the current Equity-to-Asset is 0.45 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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