ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. United Financial Investments's annualizedNet Income for the quarter that ended in Mar. 2026 was JOD0.54 Mil.
United Financial Investments's average Total Assets over the quarter that ended in Mar. 2026 was JOD33.42 Mil. Therefore, United Financial Investments's annualized ROA % for the quarter that ended in Mar. 2026 was 1.62%.
The historical rank and industry rank for United Financial Investments's ROA % or its related term are showing as below:
AMM:UCFI'
s ROA % Range Over the Past 10 Years
Min: -11.85 Med: -5.49 Max: 5.06
Current: -4.79
During the past 12 years, United Financial Investments's highest ROA % was 5.06%. The lowest was -11.85%. And the median was -5.49%.
AMM:UCFI's ROA % is ranked worse than 79.37% of 819
companies
in the Capital Markets industry
Industry Median: 1.5
vs AMM:UCFI: -4.79
United Financial Investments (AMM:UCFI) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
United Financial Investments ROA % Related Terms
United Financial Investments ROA % Historical Data
* 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 Capital Markets subindustry, United Financial Investments's ROA %, along with its competitors' market caps and ROA % 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 Financial Investments ROA % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, United Financial Investments's ROA % distribution charts can be found below:
* The bar in red indicates where United Financial Investments's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
United Financial Investments (AMM:UCFI) has a ROA % of 1.62% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on United Financial Investments and its competitors. According to the industry distribution chart, United Financial Investments ranks #650 out of 819 companies in the Capital Markets industry, placing it in the top 79.4%.
Is United Financial Investments' ROA % too high?
United Financial Investments' current ROA % is 1.62%. The Capital Markets industry median ROA % is 1.50. United Financial Investments' value of 1.62% is 8% above this industry median. Based on the distribution chart, United Financial Investments ranks #650 out of 819 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, United Financial Investments has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Financial Investments' ROA % compare to MS and GS?
According to the Capital Markets industry distribution chart, United Financial Investments ranks #650 out of 819 companies for ROA %. This places United Financial Investments in the lower half of its industry. The industry median ROA % is 1.50. United Financial Investments' value of 1.62% is 8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Capital Markets company?
The median ROA % among Capital Markets companies is 1.50, based on 819 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Financial Investments's current ROA % of 1.62% is 8% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on United Financial Investments and its competitors. For the Capital Markets industry, the median ROA % is 1.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Financial Investments's current ROA % is 1.62%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Financial Investments stock overvalued right now?
Based on GuruFocus' analysis, United Financial Investments (AMM:UCFI) is currently considered Modestly Overvalued. The stock's GF Value™ is JOD1.14, compared to a current price of JOD1.30 — trading 14% above its estimated fair value. The current ROA % is 1.62% and 8% above the Capital Markets industry median of 1.50. United Financial Investments' overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For United Financial Investments (AMM:UCFI), the current ROA % is 1.62% as of Mar. 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 Financial Investments (AMM:UCFI) Overvalued in 2026?
Based on GuruFocus' analysis, United Financial Investments stock appears to be overvalued.
The current stock price of JOD1.30 is trading 14% above its estimated GF Value™ of JOD1.14.
GuruFocus considers United Financial Investments to be Modestly Overvalued.
Key valuation signals for AMM:UCFI:
ROA %: 1.62%
GF Value™: JOD1.14 vs. price of JOD1.30 (14% above fair value)
Industry Position: 8% above the Capital Markets median (#650 of 819)
No single metric tells the full story. See the AMM:UCFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Financial Investments is a financial services firm. The Group's main objectives are to provide administrative and advisory services for investment portfolios, offer financial services for local market transactions, provide agent or financial advisor services, invest in securities, provide economic feasibility studies, own movable and immovable assets in a way that aligns with the Company's interests and deal in securities in the Jordanian financial market, as well as, other national and international financial markets.
80GF Score
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