United Finance CoOGMUS:UFCI +1.08% PB Ratio is 0.67 as of Jul. 02, 2026, which is 29% above its 10-year median of 0.52. The stock has 5 warning signs investors should review. Among 524 Credit Services companies, United Finance CoOG ranks better than 70.61% on this metric.
United Finance Co SAOG stock PB Ratio (=0.67) is close to 5-year high of 0.74.
The historical rank and industry rank for United Finance CoOG's PB Ratio or its related term are showing as below:
MUS:UFCI'
s PB Ratio Range Over the Past 10 Years
Min: 0.28 Med: 0.52 Max: 1.18
Current: 0.67
During the past 13 years, United Finance CoOG's highest PB Ratio was 1.18. The lowest was 0.28. And the median was 0.52.
MUS:UFCI's PB Ratio is ranked better than 70.61% of 524
companies
in the Credit Services industry
Industry Median: 1.05
vs MUS:UFCI: 0.67
During the past 12 months, United Finance CoOG's average Book Value Per Share Growth Rate was 2.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 2.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of United Finance CoOG was 8.60% per year. The lowest was -0.80% per year. And the median was 2.60% per year.
Back to Basics: PB Ratio
United Finance CoOG (MUS:UFCI) 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 Finance CoOG PB Ratio Related Terms
United Finance CoOG PB Ratio Historical Data
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The historical data trend for United Finance CoOG's PB Ratio 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 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 Finance CoOG PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's PB Ratio distribution charts can be found below:
* The bar in red indicates where United Finance CoOG'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 Finance CoOG (MUS:UFCI) has a PB Ratio of 0.67 as of Jul. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Finance CoOG and its competitors. This is 29% above median its historical median of 0.52. Over the past decade, United Finance CoOG's PB Ratio has ranged from 0.28 to 1.18. According to the industry distribution chart, United Finance CoOG ranks #154 out of 524 companies in the Credit Services industry, placing it in the top 29.4%.
Is United Finance CoOG's PB Ratio too high?
United Finance CoOG's current PB Ratio of 0.67 is 29% above median its 10-year median of 0.52. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 1.18. The Credit Services industry median PB Ratio is 1.05. United Finance CoOG's value of 0.67 is 36.2% below this industry median. Based on the distribution chart, United Finance CoOG ranks #154 out of 524 companies in the Credit Services industry, which is above the industry midpoint.
How does United Finance CoOG's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #154 out of 524 companies for PB Ratio. This puts United Finance CoOG in the upper half of its industry. The industry median PB Ratio is 1.05. United Finance CoOG's value of 0.67 is 36.2% below this benchmark. Historically, United Finance CoOG's own PB Ratio has ranged from 0.28 to 1.18 over the past decade. While the company's 10-year median is 0.52 vs. the industry median of 1.05, United Finance CoOG 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 Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 524 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 Finance CoOG's current PB Ratio of 0.67 is 36.2% 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 Finance CoOG and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current PB Ratio is 0.67, which is 29% above median its own 10-year median of 0.52. 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 PB Ratio is 0.67, which is 29% above median its 10-year median of 0.52 and 36.2% below the Credit Services industry median of 1.05. 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 Finance CoOG (MUS:UFCI), the current PB Ratio is 0.67 as of Jul. 02, 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.
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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