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United Finance CoOGMUS:UFCI 5-Year Yield-on-Cost % is 5.38 as of Jul. 19, 2026, which is 4% above its 10-year median of 5.17. The stock has 5 warning signs investors should review. Among 211 Credit Services companies, United Finance CoOG ranks better than 60.19% on this metric.
United Finance CoOG's yield on cost for the quarter that ended in Dec. 2024 was 5.38.
The historical rank and industry rank for United Finance CoOG's 5-Year Yield-on-Cost % or its related term are showing as below:
MUS:UFCI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.19 Med: 5.17 Max: 8.4
Current: 5.38
During the past 13 years, United Finance CoOG's highest Yield on Cost was 8.40. The lowest was 3.19. And the median was 5.17.
MUS:UFCI's 5-Year Yield-on-Cost % is ranked better than 60.19% of 211
companies
in the Credit Services industry
Industry Median: 4.55
vs MUS:UFCI: 5.38
United Finance CoOG (MUS:UFCI) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
United Finance CoOG 5-Year Yield-on-Cost % Related Terms
MUS:UFCI vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, United Finance CoOG's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance CoOG's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where United Finance CoOG's 5-Year Yield-on-Cost % falls into.
United Finance CoOG 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
United Finance CoOG (MUS:UFCI) has a 5-Year Yield-on-Cost % of 5.38 as of Jul. 19, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Finance CoOG and its competitors. This is near median its historical median of 5.17. Over the past decade, United Finance CoOG's 5-Year Yield-on-Cost % has ranged from 3.19 to 8.40. According to the industry distribution chart, United Finance CoOG ranks #84 out of 211 companies in the Credit Services industry, placing it in the top 39.8%.
Is United Finance CoOG's 5-Year Yield-on-Cost % too high?
United Finance CoOG's current 5-Year Yield-on-Cost % of 5.38 is near median its 10-year median of 5.17. Over the past 10 years, this metric has ranged from a low of 3.19 to a high of 8.40. The Credit Services industry median 5-Year Yield-on-Cost % is 4.55. United Finance CoOG's value of 5.38 is 18.2% above this industry median. Based on the distribution chart, United Finance CoOG ranks #84 out of 211 companies in the Credit Services industry, which is above the industry midpoint.
How does United Finance CoOG's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, United Finance CoOG ranks #84 out of 211 companies for 5-Year Yield-on-Cost %. This puts United Finance CoOG in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.55. United Finance CoOG's value of 5.38 is 18.2% above this benchmark. Historically, United Finance CoOG's own 5-Year Yield-on-Cost % has ranged from 3.19 to 8.40 over the past decade. While the company's 10-year median is 5.17 vs. the industry median of 4.55, United Finance CoOG has consistently been above 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.55, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Finance CoOG's current 5-Year Yield-on-Cost % of 5.38 is 18.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Finance CoOG and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Finance CoOG's current 5-Year Yield-on-Cost % is 5.38, which is near median its own 10-year median of 5.17. 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 16.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.38, which is near median its 10-year median of 5.17 and 18.2% above the Credit Services industry median of 4.55. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For United Finance CoOG (MUS:UFCI), the current 5-Year Yield-on-Cost % is 5.38 as of Jul. 19, 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.
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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