United Finance (DHA:UNITEDFIN) 1-Year Sharpe Ratio: 0.69 (As of Sep. 14, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

DHA:UNITEDFIN United Finance PLC DHA:UNITEDFIN
64 GF Score
Price BDT16.30
GF Value BDT13.69
Valuation Modestly Overvalued
! 1 Warning Sign
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What is United Finance 1-Year Sharpe Ratio?

United Finance DHA:UNITEDFIN -2.98% 64 1-Year Sharpe Ratio is 0.69 as of Sep. 14, 2026. GuruFocus rates DHA:UNITEDFIN with a GF Score™ of 64/100 and a GF Value™ of BDT13.69 (Modestly Overvalued). The stock has 1 warning sign investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-09-14), United Finance's 1-Year Sharpe Ratio is 0.69.

United Finance  (DHA:UNITEDFIN) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

United Finance 1-Year Sharpe Ratio Related Terms

DHA:UNITEDFIN vs V, MA, AXP: 1-Year Sharpe Ratio Comparison

For the Credit Services subindustry, United Finance's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe 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 1-Year Sharpe Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, United Finance's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where United Finance's 1-Year Sharpe Ratio falls into.


DHA:UNITEDFIN
64GF Score
United Finance PLC DHA:UNITEDFIN
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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United Finance 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 0.69 mean?
United Finance (DHA:UNITEDFIN) has a 1-Year Sharpe Ratio of 0.69 as of Sep. 14, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for United Finance and its competitors.
Is United Finance's 1-Year Sharpe Ratio too high?
United Finance's current 1-Year Sharpe Ratio is 0.69. Overall, United Finance has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Finance's 1-Year Sharpe Ratio compare to V and MA?
United Finance's 1-Year Sharpe Ratio of 0.69 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 1-Year Sharpe Ratio for a Credit Services company?
A good 1-Year Sharpe Ratio depends on the Credit Services industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for United Finance and its competitors. United Finance's current 1-Year Sharpe Ratio is 0.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Finance stock overvalued right now?
Based on GuruFocus' analysis, United Finance (DHA:UNITEDFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT13.69, compared to a current price of BDT16.30 — trading 19.1% above its estimated fair value. The current 1-Year Sharpe Ratio is 0.69. United Finance's overall GF Score™ is 64/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For United Finance (DHA:UNITEDFIN), the current 1-Year Sharpe Ratio is 0.69 as of Sep. 14, 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 Finance (DHA:UNITEDFIN) Overvalued in 2026?

Based on GuruFocus' analysis, United Finance stock appears to be overvalued. The current stock price of BDT16.30 is trading 19.1% above its estimated GF Value™ of BDT13.69. GuruFocus considers United Finance to be Modestly Overvalued.

Key valuation signals for DHA:UNITEDFIN:

  • 1-Year Sharpe Ratio: 0.69
  • GF Value™: BDT13.69 vs. price of BDT16.30 (19.1% above fair value)
  • GF Score™: 64/100 with 1 warning sign

No single metric tells the full story. See the DHA:UNITEDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

United Finance Business Description

Address 22 Kazi Nazrul Islam Avenue, Camellia House, Dhaka, BGD, 1000
United Finance PLC is a financial services company. The company provides financial services which includes lease finance for acquiring assets for industrial and commercial use; term loans for meeting long-term funding requirements; short-term working capital solutions and home loans. The company provides services like Deposits, Working Capital and Term Financing. It is engaged in five segments: Corporates, SMEs, Retail Borrowers, Depositors, and Investors.
64GF Score

Get the complete analysis for DHA:UNITEDFIN

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BDT16.30
Price
BDT13.69
GF Value