National Finance CoOGMUS:NFCI 21 PEG Ratio is 1.75 as of Jul. 09, 2026, which is 133% above its 10-year median of 0.75. GuruFocus rates MUS:NFCI with a GF Score™ of 21/100 and a GF Value™ of ر.ع0.15 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 234 Credit Services companies, National Finance CoOG ranks worse than 69.66% 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 National Finance CoOG's PEG Ratio or its related term are showing as below:
MUS:NFCI'
s PEG Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.75 Max: 8.36
Current: 1.75
During the past 13 years, National Finance CoOG's highest PEG Ratio was 8.36. The lowest was 0.41. And the median was 0.75.
MUS:NFCI's PEG Ratio is ranked worse than 69.66% of 234
companies
in the Credit Services industry
Industry Median: 0.88
vs MUS:NFCI: 1.75
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
National Finance CoOG (MUS:NFCI) 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.
* 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, National Finance CoOG'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.
National Finance CoOG PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, National Finance CoOG's PEG Ratio distribution charts can be found below:
* The bar in red indicates where National Finance CoOG'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.
National Finance CoOG (MUS:NFCI) has a PEG Ratio of 1.75 as of Jul. 09, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on National Finance CoOG and its competitors. This is 133% above median its historical median of 0.75. Over the past decade, National Finance CoOG's PEG Ratio has ranged from 0.41 to 8.36. According to the industry distribution chart, National Finance CoOG ranks #163 out of 234 companies in the Credit Services industry, placing it in the top 69.7%.
Is National Finance CoOG's PEG Ratio too high?
National Finance CoOG's current PEG Ratio of 1.75 is 133% above median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 8.36. The Credit Services industry median PEG Ratio is 0.88. National Finance CoOG's value of 1.75 is 98.9% above this industry median. Based on the distribution chart, National Finance CoOG ranks #163 out of 234 companies in the Credit Services industry, which is below the industry midpoint. Overall, National Finance CoOG has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Finance CoOG's PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, National Finance CoOG ranks #163 out of 234 companies for PEG Ratio. This places National Finance CoOG in the lower half of its industry. The industry median PEG Ratio is 0.88. National Finance CoOG's value of 1.75 is 98.9% above this benchmark. Historically, National Finance CoOG's own PEG Ratio has ranged from 0.41 to 8.36 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 0.88, National 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.88, based on 234 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. National Finance CoOG's current PEG Ratio of 1.75 is 98.9% 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 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 National Finance CoOG and its competitors. For the Credit Services industry, the median PEG Ratio is 0.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Finance CoOG's current PEG Ratio is 1.75, which is 133% above median its own 10-year median of 0.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Finance CoOG stock overvalued right now?
Based on GuruFocus' analysis, National Finance CoOG (MUS:NFCI) is currently considered Significantly Overvalued. The stock's GF Value™ is ر.ع0.15, compared to a current price of ر.ع0.21 — trading 42.7% above its estimated fair value. The current PEG Ratio is 1.75, which is 133% above median its 10-year median of 0.75 and 98.9% above the Credit Services industry median of 0.88. National Finance CoOG's overall GF Score™ is 21/100 with 1 warning sign 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 National Finance CoOG (MUS:NFCI), the current PEG Ratio is 1.75 as of Jul. 09, 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 National Finance CoOG (MUS:NFCI) Overvalued in 2026?
Based on GuruFocus' analysis, National Finance CoOG stock appears to be overvalued.
The current stock price of ر.ع0.21 is trading 42.7% above its estimated GF Value™ of ر.ع0.15.
GuruFocus considers National Finance CoOG to be Significantly Overvalued.
Key valuation signals for MUS:NFCI:
PEG Ratio: 1.75 (133% above median its 10-year median of 0.75)
GF Value™: ر.ع0.15 vs. price of ر.ع0.21 (42.7% above fair value)
Industry Position: 98.9% above the Credit Services median (#163 of 234)
No single metric tells the full story. See the MUS:NFCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Finance Co SAOG is a financial institution. The company is engaged in the leasing business. It offers a wide range of financial products to corporate and retail customers with a key focus on Small and Medium Enterprises. The company offers vehicle finance, consumer durables finance, special schemes, equipment finance, corporate deposits, and factoring services. Thec company has three segments: Retail, SME, and Corporate.
21GF Score
Get the complete analysis for MUS:NFCI
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