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United FinanceDHA:UNITEDFIN -1.81%64 Net Margin % is 2.48% as of Mar. 2026, which is 89% below its 10-year median of 22.90. GuruFocus rates DHA:UNITEDFIN with a GF Score™ of 64/100 and a GF Value™ of BDT12.93 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 534 Credit Services companies, United Finance ranks better than 54.49% on this metric.
Net margin is calculated as Net Income divided by its Revenue. United Finance's Net Income for the
three
months ended in Mar. 2026 was BDT8 Mil. United Finance's Revenue for the
three
months ended in Mar. 2026 was BDT305 Mil. Therefore, United Finance's net margin for the quarter that ended in Mar. 2026 was 2.48%.
The historical rank and industry rank for United Finance's Net Margin % or its related term are showing as below:
DHA:UNITEDFIN'
s Net Margin % Range Over the Past 10 Years
Min: 13.02 Med: 22.9 Max: 32.21
Current: 16.24
DHA:UNITEDFIN's Net Margin % is ranked better than 54.49% of 534
companies
in the Credit Services industry
Industry Median: 14.59
vs DHA:UNITEDFIN: 16.24
United Finance (DHA:UNITEDFIN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
United Finance Net Margin % Related Terms
United Finance Net Margin % Historical Data
* Premium members only.
The historical data trend for United Finance's Net Margin % 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.
DHA:UNITEDFIN vs V, MA, AXP: Net Margin % Comparison
For the Credit Services subindustry, United Finance's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Finance's Net Margin % 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 (DHA:UNITEDFIN) has a Net Margin % of 2.48% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on United Finance and its competitors. This is 89% below median its historical median of 22.90. Over the past decade, United Finance's Net Margin % has ranged from 13.02 to 32.21. According to the industry distribution chart, United Finance ranks #243 out of 534 companies in the Credit Services industry, placing it in the top 45.5%.
Is United Finance's Net Margin % too high?
United Finance's current Net Margin % of 2.48% is 89% below median its 10-year median of 22.90. Over the past 10 years, this metric has ranged from a low of 13.02 to a high of 32.21. The Credit Services industry median Net Margin % is 14.59. United Finance's value of 2.48% is 83% below this industry median. Based on the distribution chart, United Finance ranks #243 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, United Finance has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, United Finance ranks #243 out of 534 companies for Net Margin %. This puts United Finance in the upper half of its industry. The industry median Net Margin % is 14.59. United Finance's value of 2.48% is 83% below this benchmark. Historically, United Finance's own Net Margin % has ranged from 13.02 to 32.21 over the past decade. While the company's 10-year median is 22.90 vs. the industry median of 14.59, United Finance has consistently been below 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.59, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance's current Net Margin % of 2.48% is 83% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on United Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance's current Net Margin % is 2.48%, which is 89% below median its own 10-year median of 22.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Finance stock overvalued right now?
Based on GuruFocus' analysis, United Finance (DHA:UNITEDFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT12.93, compared to a current price of BDT16.30 — trading 26.1% above its estimated fair value. The current Net Margin % is 2.48%, which is 89% below median its 10-year median of 22.90 and 83% below the Credit Services industry median of 14.59. United Finance's overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For United Finance (DHA:UNITEDFIN), the current Net Margin % is 2.48% as of Mar. 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.
Is United Finance (DHA:UNITEDFIN) Overvalued in 2026?
Based on GuruFocus' analysis, United Finance stock appears to be overvalued.
The current stock price of BDT16.30 is trading 26.1% above its estimated GF Value™ of BDT12.93.
GuruFocus considers United Finance to be Modestly Overvalued.
Key valuation signals for DHA:UNITEDFIN:
Net Margin %: 2.48% (89% below median its 10-year median of 22.90)
GF Value™: BDT12.93 vs. price of BDT16.30 (26.1% above fair value)
Industry Position: 83% below the Credit Services median (#243 of 534)
No single metric tells the full story. See the DHA:UNITEDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Finance PLC is a financial services company. The company provides financial services which includes lease finance for acquiring assets for industrial and commercial use; term loans for meeting long-term funding requirements; short-term working capital solutions and home loans. The company provides services like Deposits, Working Capital and Term Financing. It is engaged in five segments: Corporates, SMEs, Retail Borrowers, Depositors, and Investors.
64GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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