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National Finance CoOGMUS:NFCI 21 PS Ratio is 3.28 as of Jul. 16, 2026, which is 22% above its 10-year median of 2.68. 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 522 Credit Services companies, National Finance CoOG ranks worse than 53.07% 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, National Finance CoOG's share price is ر.ع0.22.
National Finance CoOG's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was ر.ع0.07. Hence, National Finance CoOG's PS Ratio for today is 3.28.
The historical rank and industry rank for National Finance CoOG's PS Ratio or its related term are showing as below:
MUS:NFCI'
s PS Ratio Range Over the Past 10 Years
Min: 1.87 Med: 2.68 Max: 13.12
Current: 3.28
During the past 13 years, National Finance CoOG's highest PS Ratio was 13.12. The lowest was 1.87. And the median was 2.68.
MUS:NFCI's PS Ratio is ranked worse than 53.07% of 522
companies
in the Credit Services industry
Industry Median: 2.87
vs MUS:NFCI: 3.28
National Finance Co SAOG has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of National Finance CoOG was 30.80% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 17.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 10.80% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 4.80% per year.
During the past 13 years, National Finance CoOG's highest 3-Year average Revenue per Share Growth Rate was 17.40% per year. The lowest was -56.30% per year. And the median was 3.30% per year.
Back to Basics: PS Ratio
National Finance CoOG (MUS:NFCI) 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.
* 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 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.
National Finance CoOG PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, National Finance CoOG's PS Ratio distribution charts can be found below:
* The bar in red indicates where National Finance CoOG'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.
National Finance CoOG's Share Price of today is ر.ع0.22. National Finance CoOG's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ر.ع0.07.
* 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:
National Finance CoOG (MUS:NFCI) has a PS Ratio of 3.28 as of Jul. 16, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on National Finance CoOG and its competitors. This is 22% above median its historical median of 2.68. Over the past decade, National Finance CoOG's PS Ratio has ranged from 1.87 to 13.12. According to the industry distribution chart, National Finance CoOG ranks #277 out of 522 companies in the Credit Services industry, placing it in the top 53.1%.
Is National Finance CoOG's PS Ratio too high?
National Finance CoOG's current PS Ratio of 3.28 is 22% above median its 10-year median of 2.68. Over the past 10 years, this metric has ranged from a low of 1.87 to a high of 13.12. The Credit Services industry median PS Ratio is 2.87. National Finance CoOG's value of 3.28 is 14.3% above this industry median. Based on the distribution chart, National Finance CoOG ranks #277 out of 522 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 PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, National Finance CoOG ranks #277 out of 522 companies for PS Ratio. This places National Finance CoOG in the lower half of its industry. The industry median PS Ratio is 2.87. National Finance CoOG's value of 3.28 is 14.3% above this benchmark. Historically, National Finance CoOG's own PS Ratio has ranged from 1.87 to 13.12 over the past decade. While the company's 10-year median is 2.68 vs. the industry median of 2.87, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.87, based on 522 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. National Finance CoOG's current PS Ratio of 3.28 is 14.3% 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 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 National Finance CoOG and its competitors. For the Credit Services industry, the median PS Ratio is 2.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Finance CoOG's current PS Ratio is 3.28, which is 22% above median its own 10-year median of 2.68. 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.ع0.22 — trading 46.7% above its estimated fair value. The current PS Ratio is 3.28, which is 22% above median its 10-year median of 2.68 and 14.3% above the Credit Services industry median of 2.87. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For National Finance CoOG (MUS:NFCI), the current PS Ratio is 3.28 as of Jul. 16, 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.ع0.22 is trading 46.7% above its estimated GF Value™ of ر.ع0.15.
GuruFocus considers National Finance CoOG to be Significantly Overvalued.
Key valuation signals for MUS:NFCI:
PS Ratio: 3.28 (22% above median its 10-year median of 2.68)
GF Value™: ر.ع0.15 vs. price of ر.ع0.22 (46.7% above fair value)
Industry Position: 14.3% above the Credit Services median (#277 of 522)
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
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