United Finance Company SAOG (MSM:UFCI)

MSM:UFCI Statistics

Total Valuation

MSM:UFCI has a market cap or net worth of OMR 22.79 million.

Market Cap	22.79M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, January 14, 2026.

Earnings Date	Jan 14, 2026
Ex-Dividend Date	Mar 26, 2025

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 8.94.

PE Ratio	8.94
Forward PE	n/a
PS Ratio	3.58
PB Ratio	0.46
P/TBV Ratio	0.46
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 2.16, with a Debt / Equity ratio of 0.98.

Current Ratio	2.16
Quick Ratio	2.13
Debt / Equity	0.98
Debt / EBITDA	n/a
Debt / FCF	-5.31
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.15%.

Return on Equity (ROE)	5.15%
Return on Assets (ROA)	2.21%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	42,497
Profits Per Employee	16,988
Employee Count	150
Asset Turnover	0.06
Inventory Turnover	n/a

Taxes

In the past 12 months, MSM:UFCI has paid 449,675 in taxes.

Income Tax	449,675
Effective Tax Rate	15.00%

Stock Price Statistics

The stock price has increased by +12.28% in the last 52 weeks. The beta is 0.19, so MSM:UFCI's price volatility has been lower than the market average.

Beta (5Y)	0.19
52-Week Price Change	+12.28%
50-Day Moving Average	0.06
200-Day Moving Average	0.06
Relative Strength Index (RSI)	46.13
Average Volume (20 Days)	764,482

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 6.37 million and earned 2.55 million in profits. Earnings per share was 0.01.

Revenue	6.37M
Gross Profit	6.37M
Operating Income	3.00M
Pretax Income	3.00M
Net Income	2.55M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.01

Balance Sheet

The company has 1.80 million in cash and 48.32 million in debt, giving a net cash position of -46.52 million or -0.13 per share.

Cash & Cash Equivalents	1.80M
Total Debt	48.32M
Net Cash	-46.52M
Net Cash Per Share	-0.13
Equity (Book Value)	49.48M
Book Value Per Share	0.14
Working Capital	64.43M

Cash Flow

In the last 12 months, operating cash flow was -9.00 million and capital expenditures -100,434, giving a free cash flow of -9.10 million.

Operating Cash Flow	-9.00M
Capital Expenditures	-100,434
Free Cash Flow	-9.10M
FCF Per Share	-0.03

Margins

Gross margin is 100.00%, with operating and profit margins of 47.03% and 39.97%.

Gross Margin	100.00%
Operating Margin	47.03%
Pretax Margin	47.03%
Profit Margin	39.97%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.00, which amounts to a dividend yield of 5.47%.

Dividend Per Share	0.00
Dividend Yield	5.47%
Dividend Growth (YoY)	16.67%
Years of Dividend Growth	1
Payout Ratio	48.92%
Buyback Yield	n/a
Shareholder Yield	5.47%
Earnings Yield	11.18%
FCF Yield	-39.95%

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