Mohanram G-Score is a financial indicator developed by professor Partha Mohanram to help investors find the best investment opportunities in the growth stocks. Companies have higher G-score tends to generate higher return. According to his study, the best growth stocks that have a G-Score greater than 6 tend to beat the market, while those with a G-Score lower than 1 tend to have negative absolute returns.
Thus, the zones of discrimination were as such:
Good or high score = 6, 7, 8
Bad or low score = 0, 1
United Finance CoOG has an G-score of 3.
The historical rank and industry rank for United Finance CoOG's Mohanram G-Score or its related term are showing as below:
MUS:UFCI'
s Mohanram G-Score Range Over the Past 10 Years
Min: 0 Med: 2 Max: 5
Current: 3
During the past 13 years, the highest Piotroski G-score of United Finance CoOG was 5. The lowest was 0. And the median was 2.
United Finance CoOG (MUS:UFCI) Mohanram G-Score Explanation
Partha Mohanram is the John H. Watson Chair in Value Investing at Rotman and the Acting Vice-Dean of Research Strategy and Resources.
In 2000, he wrote a research paper called "Separating Winners from Losers Among Low Book-to-Market Stocks Using Financial Statement Analysis".
This paper tests whether a strategy based on financial statement analysis of low book-to-market (growth) stocks is successful in differentiating between winners and losers in terms of future stock performance. Based on the research, a strategy based on buying high G-score (6, 7 or 8) firms and shorting low G-score (0 or 1) firms consistently earns significant excess returns. Further, the results do not support a risk based explanation for the book-to-market effect as the strategy returns positive returns in all years, and firms that ex-ante appear less risky have better future returns.
To conclude, one can use a modified fundamental analysis strategy (G-score) to identify mispricing and earn substantial abnormal returns.
United Finance CoOG Mohanram G-Score Related Terms
United Finance CoOG Mohanram G-Score Historical Data
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The historical data trend for United Finance CoOG's Mohanram G-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: Mohanram G-Score Comparison
For the Credit Services subindustry, United Finance CoOG's Mohanram G-Score, along with its competitors' market caps and Mohanram G-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 Mohanram G-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's Mohanram G-Score distribution charts can be found below:
* The bar in red indicates where United Finance CoOG's Mohanram G-Score falls into.
The calculation of the Mohanram G-score consists of eight criteria. Assign one point for each criterion met, then add up all the points to get the G-Score.
Profitability
Question 1. Return on Assets (ROA)
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. It measures how well a company uses its asset to generate earnings.
Score 1 if ROA > ROA Industry Median, 0 otherwise.
Score 1 if CAPEX Intensity > CAPEX Intensity Industry Median, 0 otherwise.
Question 8. Advertising Expenditure Intensity
Advertising Expenditure Intensity is calcualted by Advertising Expenditure divided by the beginning Total Assets. Note that Advertising Expenditure is not reported as a seperate line item for many companies, thus Selling, General, & Admin. Expense is used in this calculation.
Score 1 if Advertising Expenditure Intensity > Advertising Expenditure Intensity Industry Median, 0 otherwise.
* 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 that all the Industry Median used for comparison in his original research, are substituted with Sector Median due to the limitation of data within certain countries.
Good or high score = 6, 7, 8
Bad or low score = 0, 1
United Finance CoOG (MUS:UFCI) has a Mohanram G-Score of 3 as of Dec. 2024. G-Score is a financial indicator developed by professor Partha Mohanram to help investors find the best investment opportunities in the growth stocks. View historical data on United Finance CoOG and its competitors. This is 50% above median its historical median of 2.00.
Is United Finance CoOG's Mohanram G-Score too high?
United Finance CoOG's current Mohanram G-Score of 3 is 50% above median its 10-year median of 2.00.
How does United Finance CoOG's Mohanram G-Score compare to V and MA?
United Finance CoOG's Mohanram G-Score of 3 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 Mohanram G-Score for a Credit Services company?
A good Mohanram G-Score depends on the Credit Services industry context. However, Mohanram G-Score 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 Mohanram G-Score mean?
A high Mohanram G-Score can signal that a stock is expensive relative to its fundamentals. G-Score is a financial indicator developed by professor Partha Mohanram to help investors find the best investment opportunities in the growth stocks. View historical data on United Finance CoOG and its competitors. United Finance CoOG's current Mohanram G-Score is 3, which is 50% above median its own 10-year median of 2.00. 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 Mohanram G-Score is 3, which is 50% above median its 10-year median of 2.00. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Mohanram G-Score calculated?
Mohanram G-Score is calculated from a company's financial statements. For United Finance CoOG (MUS:UFCI), the current Mohanram G-Score is 3 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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