United Finance Company SAOG (MSM:UFCI)
Oman flag Oman · Delayed Price · Currency is OMR
0.0890
0.00 (0.00%)
At close: Aug 6, 2026

MSM:UFCI Financials Overview

Millions OMR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
7.857.045.925.275.285.19
Revenue Growth
24.23%18.83%12.45%-0.18%1.55%39.90%
Operating Income
3.983.492.452.111.892.32
Net Income
3.382.972.081.791.61.91
Earnings Per Share
0.010.010.010.010.000.01
EPS Growth
42.27%42.59%16.25%11.69%-16.23%146.58%

Revenue by Segment

Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Corporate
1.211.011.220.342.56
Retail
5.054.413.654.852.36
Total
6.265.424.965.244.95

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
2.281.791.241.551.010.9
Total Debt
57.0759.1746.5743.4136.2127.95
Net Cash (Debt)
-54.79-57.39-45.33-41.86-35.2-27.05
Net Cash Growth
------
Net Cash Per Share
-0.15-0.16-0.13-0.12-0.10-0.08

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
--16.44-3.62-8.23-6.378.95
Capital Expenditures
--0.1-0.16-0.13-0.08-0.04
Free Cash Flow
--16.54-3.78-8.36-6.458.92
Free Cash Flow Growth
------21.96%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
50.74%49.62%41.35%40.00%35.76%44.65%
Pretax Margin
50.74%49.62%41.35%40.00%35.76%44.65%
Profit Margin
43.14%42.18%35.15%34.00%30.39%36.84%
FCF Margin
--235.00%-63.78%-158.82%-122.28%171.66%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.0050.0050.0040.0030.0030.003
Dividend Per Share Growth
42.86%42.86%16.67%11.11%-6.90%-
Dividend Yield
5.62%7.78%6.88%6.33%5.00%6.40%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.368.169.7511.1414.8110.76
Forward PE
10.1112.0012.0031.0131.0121.42
P/FCF Ratio
-----2.31
PS Ratio
4.043.443.433.794.503.97