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United Financial InvestmentsAMM:UCFI 79 PB Ratio is 1.09 as of Jul. 26, 2026, which is 40% above its 10-year median of 0.78. GuruFocus rates AMM:UCFI with a GF Score™ of 79/100 and a GF Value™ of JOD1.13 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 778 Capital Markets companies, United Financial Investments ranks better than 58.74% on this metric.
The historical rank and industry rank for United Financial Investments's PB Ratio or its related term are showing as below:
AMM:UCFI'
s PB Ratio Range Over the Past 10 Years
Min: 0.4 Med: 0.78 Max: 5.73
Current: 1.09
During the past 12 years, United Financial Investments's highest PB Ratio was 5.73. The lowest was 0.40. And the median was 0.78.
AMM:UCFI's PB Ratio is ranked better than 58.74% of 778
companies
in the Capital Markets industry
Industry Median: 1.305
vs AMM:UCFI: 1.09
During the past 12 months, United Financial Investments's average Book Value Per Share Growth Rate was 569.10% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of United Financial Investments was -0.70% per year. The lowest was -16.40% per year. And the median was -6.40% per year.
Back to Basics: PB Ratio
United Financial Investments (AMM:UCFI) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
United Financial Investments PB Ratio Related Terms
United Financial Investments PB Ratio Historical Data
* 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 Capital Markets subindustry, United Financial Investments's PB Ratio, along with its competitors' market caps and PB Ratio 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 Financial Investments PB Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, United Financial Investments's PB Ratio distribution charts can be found below:
* The bar in red indicates where United Financial Investments's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
United Financial Investments (AMM:UCFI) has a PB Ratio of 1.09 as of Jul. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Financial Investments and its competitors. This is 40% above median its historical median of 0.78. Over the past decade, United Financial Investments' PB Ratio has ranged from 0.40 to 5.73. According to the industry distribution chart, United Financial Investments ranks #321 out of 778 companies in the Capital Markets industry, placing it in the top 41.3%.
Is United Financial Investments' PB Ratio too high?
United Financial Investments' current PB Ratio of 1.09 is 40% above median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 5.73. The Capital Markets industry median PB Ratio is 1.31. United Financial Investments' value of 1.09 is 16.5% below this industry median. Based on the distribution chart, United Financial Investments ranks #321 out of 778 companies in the Capital Markets industry, which is above the industry midpoint. Overall, United Financial Investments has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Financial Investments' PB Ratio compare to MS and GS?
According to the Capital Markets industry distribution chart, United Financial Investments ranks #321 out of 778 companies for PB Ratio. This puts United Financial Investments in the upper half of its industry. The industry median PB Ratio is 1.31. United Financial Investments' value of 1.09 is 16.5% below this benchmark. Historically, United Financial Investments' own PB Ratio has ranged from 0.40 to 5.73 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 1.31, United Financial Investments 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 PB Ratio for a Capital Markets company?
The median PB Ratio among Capital Markets companies is 1.31, based on 778 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Financial Investments's current PB Ratio of 1.09 is 16.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Financial Investments and its competitors. For the Capital Markets industry, the median PB Ratio is 1.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Financial Investments's current PB Ratio is 1.09, which is 40% above median its own 10-year median of 0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Financial Investments stock overvalued right now?
Based on GuruFocus' analysis, United Financial Investments (AMM:UCFI) is currently considered Modestly Overvalued. The stock's GF Value™ is JOD1.13, compared to a current price of JOD1.30 — trading 15% above its estimated fair value. The current PB Ratio is 1.09, which is 40% above median its 10-year median of 0.78 and 16.5% below the Capital Markets industry median of 1.31. United Financial Investments' overall GF Score™ is 79/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For United Financial Investments (AMM:UCFI), the current PB Ratio is 1.09 as of Jul. 26, 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 Financial Investments (AMM:UCFI) Overvalued in 2026?
Based on GuruFocus' analysis, United Financial Investments stock appears to be overvalued.
The current stock price of JOD1.30 is trading 15% above its estimated GF Value™ of JOD1.13.
GuruFocus considers United Financial Investments to be Modestly Overvalued.
Key valuation signals for AMM:UCFI:
PB Ratio: 1.09 (40% above median its 10-year median of 0.78)
GF Value™: JOD1.13 vs. price of JOD1.30 (15% above fair value)
Industry Position: 16.5% below the Capital Markets median (#321 of 778)
No single metric tells the full story. See the AMM:UCFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Financial Investments is a financial services firm. The Group's main objectives are to provide administrative and advisory services for investment portfolios, offer financial services for local market transactions, provide agent or financial advisor services, invest in securities, provide economic feasibility studies, own movable and immovable assets in a way that aligns with the Company's interests and deal in securities in the Jordanian financial market, as well as, other national and international financial markets.
79GF Score
Get the complete analysis for AMM:UCFI
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