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United FinanceDHA:UNITEDFIN -1.81%64 PEG Ratio is 15.38 as of Jul. 15, 2026, which is 21% above its 10-year median of 12.70. 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 233 Credit Services companies, United Finance ranks worse than 93.99% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for United Finance's PEG Ratio or its related term are showing as below:
DHA:UNITEDFIN'
s PEG Ratio Range Over the Past 10 Years
Min: 1.22 Med: 12.7 Max: 520.5
Current: 15.38
During the past 13 years, United Finance's highest PEG Ratio was 520.50. The lowest was 1.22. And the median was 12.70.
DHA:UNITEDFIN's PEG Ratio is ranked worse than 93.99% of 233
companies
in the Credit Services industry
Industry Median: 0.92
vs DHA:UNITEDFIN: 15.38
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
United Finance (DHA:UNITEDFIN) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
United Finance PEG Ratio Related Terms
United Finance PEG Ratio Historical Data
* Premium members only.
The historical data trend for United Finance's PEG 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's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance's PEG Ratio distribution charts can be found below:
* The bar in red indicates where United Finance's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
United Finance (DHA:UNITEDFIN) has a PEG Ratio of 15.38 as of Jul. 15, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Finance and its competitors. This is 21% above median its historical median of 12.70. Over the past decade, United Finance's PEG Ratio has ranged from 1.22 to 520.50. According to the industry distribution chart, United Finance ranks #219 out of 233 companies in the Credit Services industry, placing it in the top 94%.
Is United Finance's PEG Ratio too high?
United Finance's current PEG Ratio of 15.38 is 21% above median its 10-year median of 12.70. Over the past 10 years, this metric has ranged from a low of 1.22 to a high of 520.50. The Credit Services industry median PEG Ratio is 0.92. United Finance's value of 15.38 is 1571.7% above this industry median. Based on the distribution chart, United Finance ranks #219 out of 233 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, United Finance ranks #219 out of 233 companies for PEG Ratio. This places United Finance in the lower half of its industry. The industry median PEG Ratio is 0.92. United Finance's value of 15.38 is 1571.7% above this benchmark. Historically, United Finance's own PEG Ratio has ranged from 1.22 to 520.50 over the past decade. While the company's 10-year median is 12.70 vs. the industry median of 0.92, 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.92, based on 233 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance's current PEG Ratio of 15.38 is 1571.7% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Finance and its competitors. For the Credit Services industry, the median PEG Ratio is 0.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance's current PEG Ratio is 15.38, which is 21% above median its own 10-year median of 12.70. 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 PEG Ratio is 15.38, which is 21% above median its 10-year median of 12.70 and 1571.7% above the Credit Services industry median of 0.92. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For United Finance (DHA:UNITEDFIN), the current PEG Ratio is 15.38 as of Jul. 15, 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:
PEG Ratio: 15.38 (21% above median its 10-year median of 12.70)
GF Value™: BDT12.93 vs. price of BDT16.30 (26.1% above fair value)
Industry Position: 1571.7% above the Credit Services median (#219 of 233)
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
Get the complete analysis for DHA:UNITEDFIN
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