U Consumer Finance (CAI:VALU) 3-Year Share Buyback Ratio: 0.00% (As of Dec. 2025)

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CAI:VALU U Consumer Finance CAI:VALU
28 GF Score
Price E£10.94
! 6 Warning Signs
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What is U Consumer Finance 3-Year Share Buyback Ratio?

U Consumer Finance CAI:VALU +0.37% 28 3-Year Share Buyback Ratio is 0.00 as of Dec. 2025. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 279 Credit Services companies, U Consumer Finance ranks worse than 358422.58% on this metric.

Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.

3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. U Consumer Finance's current 3-Year Share Buyback Ratio was 0.00%.

The historical rank and industry rank for U Consumer Finance's 3-Year Share Buyback Ratio or its related term are showing as below:

During the past 3 years, U Consumer Finance's highest 3-Year Share Buyback Ratio was 0.00%. The lowest was 0.00%. And the median was 0.00%.

CAI:VALU's 3-Year Share Buyback Ratio is not ranked *
in the Credit Services industry.
Industry Median: -3.3
* Ranked among companies with meaningful 3-Year Share Buyback Ratio only.

U Consumer Finance (CAI:VALU) 3-Year Share Buyback Ratio Explanation

A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.

Be Aware

Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.

U Consumer Finance 3-Year Share Buyback Ratio Related Terms

CAI:VALU vs V, MA, AXP: 3-Year Share Buyback Ratio Comparison

For the Credit Services subindustry, U Consumer Finance's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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.

U Consumer Finance 3-Year Share Buyback Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, U Consumer Finance's 3-Year Share Buyback Ratio distribution charts can be found below:

* The bar in red indicates where U Consumer Finance's 3-Year Share Buyback Ratio falls into.


CAI:VALU
28GF Score
U Consumer Finance CAI:VALU
3-Year Share Buyback Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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U Consumer Finance 3-Year Share Buyback Ratio Calculation

This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.

What does a 3-Year Share Buyback Ratio of 0.00 mean?
U Consumer Finance (CAI:VALU) has a 3-Year Share Buyback Ratio of 0.00 as of Dec. 2025. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for U Consumer Finance and its competitors. According to the industry distribution chart, U Consumer Finance ranks #999999 out of 279 companies in the Credit Services industry.
Is U Consumer Finance's 3-Year Share Buyback Ratio too high?
U Consumer Finance's current 3-Year Share Buyback Ratio is 0.00. Based on the distribution chart, U Consumer Finance ranks #999999 out of 279 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 3-Year Share Buyback Ratio compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #999999 out of 279 companies for 3-Year Share Buyback Ratio. This places U Consumer Finance in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Credit Services company?
A good 3-Year Share Buyback Ratio depends on the Credit Services industry context. However, 3-Year Share Buyback 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for U Consumer Finance and its competitors. U Consumer Finance's current 3-Year Share Buyback Ratio is 0.00. 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 3-Year Share Buyback Ratio of 0.00. The current 3-Year Share Buyback Ratio is 0.00. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For U Consumer Finance (CAI:VALU), the current 3-Year Share Buyback Ratio is 0.00 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 Business Description

Address Arkan Plaza, First floor Unit AW-417, Al Sheikh Zayed city, EGY
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

Get the complete analysis for CAI:VALU

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

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