United Finance CoOGMUS:UFCI +1.08% ROE % 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 529 Credit Services companies, United Finance CoOG ranks worse than 57.28% on this metric.
The historical rank and industry rank for United Finance CoOG's ROE % or its related term are showing as below:
MUS:UFCI'
s ROE % 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 ROE % was 12.36%. The lowest was 1.52%. And the median was 3.53%.
MUS:UFCI's ROE % is ranked worse than 57.28% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs MUS:UFCI: 4.21
United Finance CoOG (MUS:UFCI) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2024) net income data. The Revenue data used here is one times the annual (Dec. 2024) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
United Finance CoOG ROE % Related Terms
United Finance CoOG ROE % Historical Data
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The historical data trend for United Finance CoOG's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's ROE % distribution charts can be found below:
* The bar in red indicates where United Finance CoOG's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
United Finance CoOG (MUS:UFCI) has a ROE % of 4.21% as of Dec. 2024. Return on equity is the ratio of current-period net income to average two-period total 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 ROE % has ranged from 1.52 to 12.36. According to the industry distribution chart, United Finance CoOG ranks #303 out of 529 companies in the Credit Services industry, placing it in the top 57.3%.
Is United Finance CoOG's ROE % too high?
United Finance CoOG's current ROE % 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 ROE % is 6.61. United Finance CoOG's value of 4.21% is 36.3% below this industry median. Based on the distribution chart, United Finance CoOG ranks #303 out of 529 companies in the Credit Services industry, which is below the industry midpoint.
How does United Finance CoOG's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #303 out of 529 companies for ROE %. This places United Finance CoOG in the lower half of its industry. The industry median ROE % is 6.61. United Finance CoOG's value of 4.21% is 36.3% below this benchmark. Historically, United Finance CoOG's own ROE % 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 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance CoOG's current ROE % of 4.21% is 36.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on United Finance CoOG and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current ROE % 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 17.5% above its estimated fair value. The current ROE % is 4.21%, which is 19% above median its 10-year median of 3.53 and 36.3% below the Credit Services industry median of 6.61. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For United Finance CoOG (MUS:UFCI), the current ROE % 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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