United Finance Company SAOG (MSM:UFCI)

MSM:UFCI Statistics

Total Valuation

MSM:UFCI has a market cap or net worth of OMR 31.70 million.

Market Cap	31.70M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, April 14, 2026.

Earnings Date	Apr 14, 2026
Ex-Dividend Date	Mar 31, 2026

Share Statistics

MSM:UFCI has 356.13 million shares outstanding.

Current Share Class	356.13M
Shares Outstanding	356.13M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 10.68 and the forward PE ratio is 11.13.

PE Ratio	10.68
Forward PE	11.13
PS Ratio	4.50
PB Ratio	0.63
P/TBV Ratio	0.63
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 2.33, with a Debt / Equity ratio of 1.17.

Current Ratio	2.33
Quick Ratio	2.31
Debt / Equity	1.17
Debt / EBITDA	n/a
Debt / FCF	-3.58
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.91% and return on invested capital (ROIC) is 2.86%.

Return on Equity (ROE)	5.91%
Return on Assets (ROA)	2.43%
Return on Invested Capital (ROIC)	2.86%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.07%
Revenue Per Employee	46,911
Profits Per Employee	19,786
Employee Count	150
Asset Turnover	0.06
Inventory Turnover	n/a

Taxes

In the past 12 months, MSM:UFCI has paid 523,743 in taxes.

Income Tax	523,743
Effective Tax Rate	15.00%

Stock Price Statistics

The stock price has increased by +56.14% in the last 52 weeks. The beta is 0.30, so MSM:UFCI's price volatility has been lower than the market average.

Beta (5Y)	0.30
52-Week Price Change	+56.14%
50-Day Moving Average	0.09
200-Day Moving Average	0.07
Relative Strength Index (RSI)	53.63
Average Volume (20 Days)	445,145

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, MSM:UFCI had revenue of OMR 7.04 million and earned 2.97 million in profits. Earnings per share was 0.01.

Revenue	7.04M
Gross Profit	7.04M
Operating Income	3.49M
Pretax Income	3.49M
Net Income	2.97M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.01

Balance Sheet

The company has 1.79 million in cash and 59.17 million in debt, with a net cash position of -57.39 million or -0.16 per share.

Cash & Cash Equivalents	1.79M
Total Debt	59.17M
Net Cash	-57.39M
Net Cash Per Share	-0.16
Equity (Book Value)	50.41M
Book Value Per Share	0.14
Working Capital	74.38M

Cash Flow

In the last 12 months, operating cash flow was -16.44 million and capital expenditures -97,652, giving a free cash flow of -16.54 million.

Operating Cash Flow	-16.44M
Capital Expenditures	-97,652
Depreciation & Amortization	215,355
Net Borrowing	11.00M
Free Cash Flow	-16.54M
FCF Per Share	-0.05

Margins

Gross margin is 100.00%, with operating and profit margins of 49.62% and 42.18%.

Gross Margin	100.00%
Operating Margin	49.62%
Pretax Margin	49.62%
Profit Margin	42.18%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.01, which amounts to a dividend yield of 5.62%.

Dividend Per Share	0.01
Dividend Yield	5.62%
Dividend Growth (YoY)	42.86%
Years of Dividend Growth	2
Payout Ratio	42.00%
Buyback Yield	n/a
Shareholder Yield	5.62%
Earnings Yield	9.36%
FCF Yield	-52.17%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 2, 2023. It was a forward split with a ratio of 1.02.

Last Split Date	Apr 2, 2023
Split Type	Forward
Split Ratio	1.02

Scores

Altman Z-Score	n/a
Piotroski F-Score	4