United Finance CoOGMUS:UFCI +1.08% Piotroski F-Score is 5 as of Jul. 02, 2026, which is 17% below its 10-year median of 6.00. The stock has 5 warning signs investors should review. Among 531 Credit Services companies, United Finance CoOG ranks better than 64.22% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
United Finance CoOG has an F-score of 5 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for United Finance CoOG's Piotroski F-Score or its related term are showing as below:
MUS:UFCI'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 6 Max: 9
Current: 5
During the past 13 years, the highest Piotroski F-Score of United Finance CoOG was 9. The lowest was 3. And the median was 6.
United Finance CoOG (MUS:UFCI) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
United Finance CoOG Piotroski F-Score Related Terms
United Finance CoOG Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for United Finance CoOG's Piotroski F-Score 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: Piotroski F-Score Comparison
For the Credit Services subindustry, United Finance CoOG's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where United Finance CoOG's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
United Finance CoOG's current Net Income (TTM) was 2.08.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
United Finance CoOG's return on assets of this year was 0.02005223. United Finance CoOG's return on assets of last year was 0.01924483.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
United Finance CoOG's gearing of this year was 0.43367447. United Finance CoOG's gearing of last year was 0.44115839.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
United Finance CoOG's current ratio of this year was 1.82383787. United Finance CoOG's current ratio of last year was 1.8901213.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
United Finance CoOG's number of shares in issue this year was 356.127. United Finance CoOG's number of shares in issue last year was 356.127.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
United Finance CoOG's net margin of this year was 0.29856528. United Finance CoOG's net margin of last year was 0.28385664.
==> This year's net margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
United Finance CoOG's asset turnover of this year was 0.06716195. United Finance CoOG's asset turnover of last year was 0.0677977.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
+
Que. 3
+
Que. 4
+
Que. 5
+
Que. 6
+
Que. 7
+
Que. 8
+
Que. 9
=
1
+
0
+
1
+
0
+
1
+
0
+
1
+
1
+
0
=
5
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
United Finance CoOG has an F-score of 5 indicating the company's financial situation is typical for a stable company.
United Finance CoOG (MUS:UFCI) has a Piotroski F-Score of 5 as of Jul. 02, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on United Finance CoOG and its competitors. This is 17% below median its historical median of 6.00. Over the past decade, United Finance CoOG's Piotroski F-Score has ranged from 3.00 to 9.00. According to the industry distribution chart, United Finance CoOG ranks #190 out of 531 companies in the Credit Services industry, placing it in the top 35.8%.
Is United Finance CoOG's Piotroski F-Score too high?
United Finance CoOG's current Piotroski F-Score of 5 is 17% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 9.00. The Credit Services industry median Piotroski F-Score is 5.00. United Finance CoOG's value of 5 is 0% at this industry median. Based on the distribution chart, United Finance CoOG ranks #190 out of 531 companies in the Credit Services industry, which is above the industry midpoint.
How does United Finance CoOG's Piotroski F-Score compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #190 out of 531 companies for Piotroski F-Score. This puts United Finance CoOG in the upper half of its industry. The industry median Piotroski F-Score is 5.00. United Finance CoOG's value of 5 is 0% at this benchmark. Historically, United Finance CoOG's own Piotroski F-Score has ranged from 3.00 to 9.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 5.00, United Finance CoOG has consistently been at 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 Piotroski F-Score for a Credit Services company?
The median Piotroski F-Score among Credit Services companies is 5.00, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance CoOG's current Piotroski F-Score of 5 is 0% at 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on United Finance CoOG and its competitors. For the Credit Services industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current Piotroski F-Score is 5, which is 17% below median its own 10-year median of 6.00. 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 Piotroski F-Score is 5, which is 17% below median its 10-year median of 6.00 and 0% at the Credit Services industry median of 5.00. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For United Finance CoOG (MUS:UFCI), the current Piotroski F-Score is 5 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.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MUS:UFCI has been successfully added to your 