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.
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.
United Finance CoOGMUS:UFCI Graham Number is ر.ع0.14 as of Dec. 2024. The stock has 5 warning signs investors should review. Among 403 Credit Services companies, United Finance CoOG ranks better than 64.52% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-07-28), the stock price of United Finance CoOG is ر.ع0.09. United Finance CoOG's graham number for the quarter that ended in Dec. 2024 was ر.ع0.14. Therefore, United Finance CoOG's Price to Graham Number ratio for today is 0.65.
The historical rank and industry rank for United Finance CoOG's Graham Number or its related term are showing as below:
MUS:UFCI'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.41 Med: 0.57 Max: 1.58
Current: 0.64
During the past 13 years, the highest Price to Graham Number ratio of United Finance CoOG was 1.58. The lowest was 0.41. And the median was 0.57.
MUS:UFCI's Price-to-Graham-Number is ranked better than 64.52% of 403
companies
in the Credit Services industry
Industry Median: 0.83
vs MUS:UFCI: 0.64
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
United Finance CoOG (MUS:UFCI) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
United Finance CoOG's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2024 )
=
0.09
/
0.14
=
0.65
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
United Finance CoOG Graham Number Related Terms
United Finance CoOG Graham Number Historical Data
* Premium members only.
The historical data trend for United Finance CoOG's Graham Number 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 Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where United Finance CoOG's Price-to-Graham-Number 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 Graham Number of ر.ع0.14 as of Dec. 2024. The Graham Number values a company based on its per-share earnings and book value. View historical data on United Finance CoOG and its competitors. Over the past decade, United Finance CoOG's Graham Number has ranged from 0.41 to 1.58. According to the industry distribution chart, United Finance CoOG ranks #143 out of 403 companies in the Credit Services industry, placing it in the top 35.5%.
Is United Finance CoOG's Graham Number too high?
United Finance CoOG's current Graham Number is ر.ع0.14. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.58. Based on the distribution chart, United Finance CoOG ranks #143 out of 403 companies in the Credit Services industry, which is above the industry midpoint.
How does United Finance CoOG's Graham Number compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #143 out of 403 companies for Graham Number. This puts United Finance CoOG in the upper half of its industry. The industry median Graham Number is 0.83. Historically, United Finance CoOG's own Graham Number has ranged from 0.41 to 1.58 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Credit Services company?
The median Graham Number among Credit Services companies is 0.83, based on 403 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on United Finance CoOG and its competitors. For the Credit Services industry, the median Graham Number is 0.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current Graham Number is ر.ع0.14. 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 12.5% above its estimated fair value. The current Graham Number is ر.ع0.14. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For United Finance CoOG (MUS:UFCI), the current Graham Number is ر.ع0.14 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.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MUS:UFCI has been successfully added to your 
