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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. U Consumer Finance's selling, general, & admin. expense for the
three
months ended in Dec. 2025 was E£337 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Dec. 2025 was E£1,081 Mil.
U Consumer Finance (CAI:VALU) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
U Consumer Finance Selling, General, & Admin. Expense Related Terms
U Consumer Finance Selling, General, & Admin. Expense Historical Data
* Premium members only.
The historical data trend for U Consumer Finance's Selling, General, & Admin. Expense 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.
U Consumer Finance Selling, General, & Admin. Expense Chart
CAI:VALU vs V, MA, AXP: Selling, General, & Admin. Expense Comparison
For the Credit Services subindustry, U Consumer Finance's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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.
U Consumer Finance Selling, General, & Admin. Expense vs Credit Services Industry
For the Credit Services industry and Financial Services sector, U Consumer Finance's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where U Consumer Finance's Selling, General, & Admin. Expense falls into.
U Consumer Finance Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense 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 E£1,081 Mil.
* 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.
What does a Selling, General, & Admin. Expense of E£1,081 Mil mean?
U Consumer Finance (CAI:VALU) has a Selling, General, & Admin. Expense of E£1,081 Mil as of Dec. 2025. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on U Consumer Finance and its competitors.
Is U Consumer Finance's Selling, General, & Admin. Expense too high?
U Consumer Finance's current Selling, General, & Admin. Expense is E£1,081 Mil. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's Selling, General, & Admin. Expense compare to V and MA?
U Consumer Finance's Selling, General, & Admin. Expense of E£1,081 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Credit Services company?
A good Selling, General, & Admin. Expense depends on the Credit Services industry context. However, Selling, General, & Admin. Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on U Consumer Finance and its competitors. U Consumer Finance's current Selling, General, & Admin. Expense is E£1,081 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current Selling, General, & Admin. Expense of E£1,081 Mil. The current Selling, General, & Admin. Expense is E£1,081 Mil. U Consumer Finance's overall GF Score™ is 28/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For U Consumer Finance (CAI:VALU), the current Selling, General, & Admin. Expense is E£1,081 Mil as of Dec. 2025. 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.
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score
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Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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