United Finance CoOGMUS:UFCI -1.06% Return-on-Tangible-Equity is 4.21% as of Dec. 2024, which is 19% above its 10-year median of 3.53. The stock has 5 warning signs investors should review. Among 524 Credit Services companies, United Finance CoOG ranks worse than 58.4% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. United Finance CoOG's annualized net income for the quarter that ended in Dec. 2024 was ر.ع2.08 Mil. United Finance CoOG's average shareholder tangible equity for the quarter that ended in Dec. 2024 was ر.ع49.42 Mil. Therefore, United Finance CoOG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2024 was 4.21%.
The historical rank and industry rank for United Finance CoOG's Return-on-Tangible-Equity or its related term are showing as below:
MUS:UFCI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.52 Med: 3.53 Max: 12.36
Current: 4.21
During the past 13 years, United Finance CoOG's highest Return-on-Tangible-Equity was 12.36%. The lowest was 1.52%. And the median was 3.53%.
MUS:UFCI's Return-on-Tangible-Equity is ranked worse than 58.4% of 524
companies
in the Credit Services industry
Industry Median: 7.055
vs MUS:UFCI: 4.21
United Finance CoOG (MUS:UFCI) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
United Finance CoOG Return-on-Tangible-Equity Related Terms
United Finance CoOG Return-on-Tangible-Equity Historical Data
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The historical data trend for United Finance CoOG's Return-on-Tangible-Equity 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.
United Finance CoOG Return-on-Tangible-Equity Chart
MUS:UFCI vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, United Finance CoOG's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where United Finance CoOG's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2024) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 4.21% mean?
United Finance CoOG (MUS:UFCI) has a Return-on-Tangible-Equity of 4.21% as of Dec. 2024. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on United Finance CoOG and its competitors. This is 19% above median its historical median of 3.53. Over the past decade, United Finance CoOG's Return-on-Tangible-Equity has ranged from 1.52 to 12.36. According to the industry distribution chart, United Finance CoOG ranks #306 out of 524 companies in the Credit Services industry, placing it in the top 58.4%.
Is United Finance CoOG's Return-on-Tangible-Equity too high?
United Finance CoOG's current Return-on-Tangible-Equity of 4.21% is 19% above median its 10-year median of 3.53. Over the past 10 years, this metric has ranged from a low of 1.52 to a high of 12.36. The Credit Services industry median Return-on-Tangible-Equity is 7.06. United Finance CoOG's value of 4.21% is 40.3% below this industry median. Based on the distribution chart, United Finance CoOG ranks #306 out of 524 companies in the Credit Services industry, which is below the industry midpoint.
How does United Finance CoOG's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #306 out of 524 companies for Return-on-Tangible-Equity. This places United Finance CoOG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.06. United Finance CoOG's value of 4.21% is 40.3% below this benchmark. Historically, United Finance CoOG's own Return-on-Tangible-Equity has ranged from 1.52 to 12.36 over the past decade. While the company's 10-year median is 3.53 vs. the industry median of 7.06, United Finance CoOG 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance CoOG's current Return-on-Tangible-Equity of 4.21% is 40.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on United Finance CoOG and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current Return-on-Tangible-Equity is 4.21%, which is 19% above median its own 10-year median of 3.53. 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 16.3% above its estimated fair value. The current Return-on-Tangible-Equity is 4.21%, which is 19% above median its 10-year median of 3.53 and 40.3% below the Credit Services industry median of 7.06. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For United Finance CoOG (MUS:UFCI), the current Return-on-Tangible-Equity is 4.21% as of Dec. 2024. 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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