United Finance CoOGMUS:UFCI PS Ratio is 4.70 as of Jul. 06, 2026, which is 25% above its 10-year median of 3.77. The stock has 5 warning signs investors should review. Among 520 Credit Services companies, United Finance CoOG ranks worse than 66.54% 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 CoOG's share price is ر.ع0.094.
United Finance CoOG's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2024 was ر.ع0.02. Hence, United Finance CoOG's PS Ratio for today is 4.70.
Warning Sign:
United Finance Co SAOG stock PS Ratio (=4.7) is close to 3-year high of 4.7.
The historical rank and industry rank for United Finance CoOG's PS Ratio or its related term are showing as below:
MUS:UFCI'
s PS Ratio Range Over the Past 10 Years
Min: 2.08 Med: 3.77 Max: 6.01
Current: 4.7
During the past 13 years, United Finance CoOG's highest PS Ratio was 6.01. The lowest was 2.08. And the median was 3.77.
MUS:UFCI's PS Ratio is ranked worse than 66.54% of 520
companies
in the Credit Services industry
Industry Median: 2.94
vs MUS:UFCI: 4.70
During the past 12 months, the average Revenue per Share Growth Rate of United Finance CoOG was 11.10% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 3.60% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 4.00% per year.
During the past 10 years, the average Revenue per Share Growth Rate was -4.50% per year.
During the past 13 years, United Finance CoOG's highest 3-Year average Revenue per Share Growth Rate was 20.90% per year. The lowest was -15.70% per year. And the median was 2.75% per year.
Back to Basics: PS Ratio
United Finance CoOG (MUS:UFCI) 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 CoOG PS Ratio Related Terms
United Finance CoOG PS Ratio Historical Data
* Premium members only.
The historical data trend for United Finance CoOG'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 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.
United Finance CoOG PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's PS Ratio distribution charts can be found below:
* The bar in red indicates where United 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.
United Finance CoOG's Share Price of today is ر.ع0.094.
For company reported annually, GuruFocus uses latest annual data as the TTM data. United Finance CoOG's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2024 was ر.ع0.02.
* 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 CoOG (MUS:UFCI) has a PS Ratio of 4.70 as of Jul. 06, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Finance CoOG and its competitors. This is 25% above median its historical median of 3.77. Over the past decade, United Finance CoOG's PS Ratio has ranged from 2.08 to 6.01. According to the industry distribution chart, United Finance CoOG ranks #346 out of 520 companies in the Credit Services industry, placing it in the top 66.5%.
Is United Finance CoOG's PS Ratio too high?
United Finance CoOG's current PS Ratio of 4.70 is 25% above median its 10-year median of 3.77. Over the past 10 years, this metric has ranged from a low of 2.08 to a high of 6.01. The Credit Services industry median PS Ratio is 2.94. United Finance CoOG's value of 4.70 is 59.9% above this industry median. Based on the distribution chart, United Finance CoOG ranks #346 out of 520 companies in the Credit Services industry, which is below the industry midpoint.
How does United Finance CoOG's PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #346 out of 520 companies for PS Ratio. This places United Finance CoOG in the lower half of its industry. The industry median PS Ratio is 2.94. United Finance CoOG's value of 4.70 is 59.9% above this benchmark. Historically, United Finance CoOG's own PS Ratio has ranged from 2.08 to 6.01 over the past decade. While the company's 10-year median is 3.77 vs. the industry median of 2.94, United 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 2.94, based on 520 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 CoOG's current PS Ratio of 4.70 is 59.9% 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 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 CoOG and its competitors. For the Credit Services industry, the median PS Ratio is 2.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current PS Ratio is 4.70, which is 25% above median its own 10-year median of 3.77. 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 PS Ratio is 4.70, which is 25% above median its 10-year median of 3.77 and 59.9% above the Credit Services industry median of 2.94. 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 CoOG (MUS:UFCI), the current PS Ratio is 4.70 as of Jul. 06, 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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