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United FinanceDHA:UNITEDFIN 64 PS Ratio is 2.60 as of Jul. 21, 2026, which is 11% below its 10-year median of 2.93. GuruFocus rates DHA:UNITEDFIN with a GF Score™ of 64/100 and a GF Value™ of BDT12.94 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 523 Credit Services companies, United Finance ranks better than 54.3% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, United Finance's share price is BDT16.70.
United Finance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was BDT6.43. Hence, United Finance's PS Ratio for today is 2.60.
Warning Sign:
United Finance PLC stock PS Ratio (=2.6) is close to 2-year high of 2.6.
The historical rank and industry rank for United Finance's PS Ratio or its related term are showing as below:
DHA:UNITEDFIN'
s PS Ratio Range Over the Past 10 Years
Min: 1.42 Med: 2.93 Max: 5.3
Current: 2.6
During the past 13 years, United Finance's highest PS Ratio was 5.30. The lowest was 1.42. And the median was 2.93.
DHA:UNITEDFIN's PS Ratio is ranked better than 54.3% of 523
companies
in the Credit Services industry
Industry Median: 2.89
vs DHA:UNITEDFIN: 2.60
United Finance PLC revenue per share is in decline over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of United Finance was -5.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 3.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 6.90% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 2.00% per year.
During the past 13 years, United Finance's highest 3-Year average Revenue per Share Growth Rate was 12.90% per year. The lowest was -51.40% per year. And the median was 2.20% per year.
Back to Basics: PS Ratio
United Finance (DHA:UNITEDFIN) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
United Finance PS Ratio Related Terms
United Finance PS Ratio Historical Data
* Premium members only.
The historical data trend for United Finance's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance's PS Ratio distribution charts can be found below:
* The bar in red indicates where United Finance's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
United Finance's Share Price of today is BDT16.70. United Finance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was BDT6.43.
* 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:
United Finance (DHA:UNITEDFIN) has a PS Ratio of 2.60 as of Jul. 21, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Finance and its competitors. This is 11% below median its historical median of 2.93. Over the past decade, United Finance's PS Ratio has ranged from 1.42 to 5.30. According to the industry distribution chart, United Finance ranks #239 out of 523 companies in the Credit Services industry, placing it in the top 45.7%.
Is United Finance's PS Ratio too high?
United Finance's current PS Ratio of 2.60 is 11% below median its 10-year median of 2.93. Over the past 10 years, this metric has ranged from a low of 1.42 to a high of 5.30. The Credit Services industry median PS Ratio is 2.89. United Finance's value of 2.60 is 10% below this industry median. Based on the distribution chart, United Finance ranks #239 out of 523 companies in the Credit Services industry, which is above the industry midpoint. 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 PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, United Finance ranks #239 out of 523 companies for PS Ratio. This puts United Finance in the upper half of its industry. The industry median PS Ratio is 2.89. United Finance's value of 2.60 is 10% below this benchmark. Historically, United Finance's own PS Ratio has ranged from 1.42 to 5.30 over the past decade. While the company's 10-year median is 2.93 vs. the industry median of 2.89, United Finance 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.89, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance's current PS Ratio of 2.60 is 10% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Finance and its competitors. For the Credit Services industry, the median PS Ratio is 2.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance's current PS Ratio is 2.60, which is 11% below median its own 10-year median of 2.93. 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 BDT12.94, compared to a current price of BDT16.70 — trading 29.1% above its estimated fair value. The current PS Ratio is 2.60, which is 11% below median its 10-year median of 2.93 and 10% below the Credit Services industry median of 2.89. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For United Finance (DHA:UNITEDFIN), the current PS Ratio is 2.60 as of Jul. 21, 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 BDT16.70 is trading 29.1% above its estimated GF Value™ of BDT12.94.
GuruFocus considers United Finance to be Modestly Overvalued.
Key valuation signals for DHA:UNITEDFIN:
PS Ratio: 2.60 (11% below median its 10-year median of 2.93)
GF Value™: BDT12.94 vs. price of BDT16.70 (29.1% above fair value)
Industry Position: 10% below the Credit Services median (#239 of 523)
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
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