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United FinanceDHA:UNITEDFIN +3.21%60 OCF Margin % is 47.07% as of Jun. 2026, which is 334% above its 10-year median of 10.85. GuruFocus rates DHA:UNITEDFIN with a GF Score™ of 60/100 and a GF Value™ of BDT13.64 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 535 Credit Services companies, United Finance ranks worse than 62.43% on this metric.
The historical rank and industry rank for United Finance's OCF Margin % or its related term are showing as below:
DHA:UNITEDFIN'
s OCF Margin % Range Over the Past 10 Years
Min: -213.11 Med: 10.85 Max: 107.7
Current: -10.32
During the past 13 years, the highest OCF Margin % of United Finance was 107.70%. The lowest was -213.11%. And the median was 10.85%.
DHA:UNITEDFIN's OCF Margin % is ranked worse than 62.43% of 535
companies
in the Credit Services industry
Industry Median: 2.55
vs DHA:UNITEDFIN: -10.32
The historical data trend for United Finance's OCF 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: OCF Margin % Comparison
For the Credit Services subindustry, United Finance's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance's OCF Margin % distribution charts can be found below:
* The bar in red indicates where United Finance's OCF 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 OCF Margin % of 47.07% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on United Finance and its competitors. This is 334% above median its historical median of 10.85. According to the industry distribution chart, United Finance ranks #334 out of 535 companies in the Credit Services industry, placing it in the top 62.4%.
Is United Finance's OCF Margin % too high?
United Finance's current OCF Margin % of 47.07% is 334% above median its 10-year median of 10.85. The Credit Services industry median OCF Margin % is 2.55. United Finance's value of 47.07% is 1745.9% above this industry median. Based on the distribution chart, United Finance ranks #334 out of 535 companies in the Credit Services industry, which is below the industry midpoint. Overall, United Finance has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Finance's OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, United Finance ranks #334 out of 535 companies for OCF Margin %. This places United Finance in the lower half of its industry. The industry median OCF Margin % is 2.55. United Finance's value of 47.07% is 1745.9% above this benchmark. While the company's 10-year median is 10.85 vs. the industry median of 2.55, United Finance 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 535 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance's current OCF Margin % of 47.07% is 1745.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on United Finance and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance's current OCF Margin % is 47.07%, which is 334% above median its own 10-year median of 10.85. 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 Significantly Overvalued. The stock's GF Value™ is BDT13.64, compared to a current price of BDT19.30 — trading 41.5% above its estimated fair value. The current OCF Margin % is 47.07%, which is 334% above median its 10-year median of 10.85 and 1745.9% above the Credit Services industry median of 2.55. United Finance's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For United Finance (DHA:UNITEDFIN), the current OCF Margin % is 47.07% as of Jun. 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 BDT19.30 is trading 41.5% above its estimated GF Value™ of BDT13.64.
GuruFocus considers United Finance to be Significantly Overvalued.
Key valuation signals for DHA:UNITEDFIN:
OCF Margin %: 47.07% (334% above median its 10-year median of 10.85)
GF Value™: BDT13.64 vs. price of BDT19.30 (41.5% above fair value)
Industry Position: 1745.9% above the Credit Services median (#334 of 535)
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.
60GF Score
Get the complete analysis for DHA:UNITEDFIN
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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