United Finance CoOGMUS:UFCI +1.08% EV-to-FCF is -22.15 as of Jul. 02, 2026. The stock has 5 warning signs investors should review. Among 264 Credit Services companies, United Finance CoOG ranks worse than 378787.5% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United Finance CoOG's Enterprise Value is ر.ع78.47 Mil.
United Finance CoOG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2024 was ر.ع-3.54 Mil. Therefore, United Finance CoOG's EV-to-FCF for today is -22.15.
The historical rank and industry rank for United Finance CoOG's EV-to-FCF or its related term are showing as below:
MUS:UFCI'
s EV-to-FCF Range Over the Past 10 Years
Min: -22.15 Med: 5.89 Max: 56.79
Current: -22.15
During the past 13 years, the highest EV-to-FCF of United Finance CoOG was 56.79. The lowest was -22.15. And the median was 5.89.
MUS:UFCI's EV-to-FCF is ranked worse than 100% of 264
companies
in the Credit Services industry
Industry Median: 13.305
vs MUS:UFCI: -22.15
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Finance CoOG (MUS:UFCI) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Finance CoOG's PE Ratio (TTM) for today is calculated as:
United Finance CoOG's share price for today is ر.ع0.094.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United Finance CoOG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2024 was ر.ع0.006.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
United Finance CoOG EV-to-FCF Related Terms
United Finance CoOG EV-to-FCF Historical Data
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The historical data trend for United Finance CoOG's EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Finance CoOG's EV-to-FCF falls into.
United Finance CoOG's current Enterprise Value is ر.ع78.47 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United Finance CoOG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2024 was ر.ع-3.54 Mil.
* 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 EV-to-FCF of -22.15 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Finance CoOG and its competitors. According to the industry distribution chart, United Finance CoOG ranks #999999 out of 264 companies in the Credit Services industry.
Is United Finance CoOG's EV-to-FCF too high?
United Finance CoOG's current EV-to-FCF is -22.15. Based on the distribution chart, United Finance CoOG ranks #999999 out of 264 companies in the Credit Services industry, which is in the bottom quartile relative to peers.
How does United Finance CoOG's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #999999 out of 264 companies for EV-to-FCF. This places United Finance CoOG in the lower half of its industry. The industry median EV-to-FCF is 13.31. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.31, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Finance CoOG and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current EV-to-FCF is -22.15. 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 17.5% above its estimated fair value. The current EV-to-FCF is -22.15. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For United Finance CoOG (MUS:UFCI), the current EV-to-FCF is -22.15 as of Jul. 02, 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.
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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