United Finance CoOGMUS:UFCI +1.08% Net Margin % is 29.86% as of Dec. 2024, which is 11% above its 10-year median of 27.01. The stock has 5 warning signs investors should review. Among 533 Credit Services companies, United Finance CoOG ranks better than 72.05% on this metric.
The historical rank and industry rank for United Finance CoOG's Net Margin % or its related term are showing as below:
MUS:UFCI'
s Net Margin % Range Over the Past 10 Years
Min: 11.04 Med: 27.01 Max: 53.62
Current: 29.86
MUS:UFCI's Net Margin % is ranked better than 72.05% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs MUS:UFCI: 29.86
United Finance CoOG (MUS:UFCI) 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 CoOG Net Margin % Related Terms
United Finance CoOG Net Margin % Historical Data
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The historical data trend for United Finance CoOG'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.
For the Credit Services subindustry, United Finance CoOG'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 CoOG Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Finance CoOG'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 CoOG (MUS:UFCI) has a Net Margin % of 29.86% as of Dec. 2024. Net margin is the ratio of total net income to net sales. View historical data on United Finance CoOG and its competitors. This is 11% above median its historical median of 27.01. Over the past decade, United Finance CoOG's Net Margin % has ranged from 11.04 to 53.62. According to the industry distribution chart, United Finance CoOG ranks #149 out of 533 companies in the Credit Services industry, placing it in the top 28%.
Is United Finance CoOG's Net Margin % too high?
United Finance CoOG's current Net Margin % of 29.86% is 11% above median its 10-year median of 27.01. Over the past 10 years, this metric has ranged from a low of 11.04 to a high of 53.62. The Credit Services industry median Net Margin % is 14.54. United Finance CoOG's value of 29.86% is 105.4% above this industry median. Based on the distribution chart, United Finance CoOG ranks #149 out of 533 companies in the Credit Services industry, which is above the industry midpoint.
How does United Finance CoOG's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #149 out of 533 companies for Net Margin %. This puts United Finance CoOG in the upper half of its industry. The industry median Net Margin % is 14.54. United Finance CoOG's value of 29.86% is 105.4% above this benchmark. Historically, United Finance CoOG's own Net Margin % has ranged from 11.04 to 53.62 over the past decade. While the company's 10-year median is 27.01 vs. the industry median of 14.54, United Finance CoOG has consistently been above 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 14.54, based on 533 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 CoOG's current Net Margin % of 29.86% is 105.4% above 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 CoOG and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current Net Margin % is 29.86%, which is 11% above median its own 10-year median of 27.01. 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 Net Margin % is 29.86%, which is 11% above median its 10-year median of 27.01 and 105.4% above the Credit Services industry median of 14.54. 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 CoOG (MUS:UFCI), the current Net Margin % is 29.86% 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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