Financials United Finance Company SAOG

Equities

UFCI

OM0000002374

Consumer Lending

End-of-day quote Muscat Exchange 06:00:00 2024-04-24 pm EDT 5-day change 1st Jan Change
0.059 OMR -1.67% Intraday chart for United Finance Company SAOG -3.28% +5.36%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 30.38 25.14 15.36 20.6 23.74 19.94
Enterprise Value (EV) 1 78.08 69.55 51.33 47.65 58.94 61.8
P/E ratio 40.2 x 37.4 x 19.8 x 10.8 x 14.8 x 11.1 x
Yield - - - 5.01% 4.05% 5.36%
Capitalization / Revenue 8.22 x 6.29 x 4.14 x 3.97 x 4.25 x 3.99 x
EV / Revenue 21.1 x 17.4 x 13.8 x 9.18 x 10.6 x 12.4 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.69 x 0.56 x 0.34 x 0.44 x 0.49 x 0.41 x
Nbr of stocks (in thousands) 356,127 356,127 356,127 356,127 356,127 356,127
Reference price 2 0.0853 0.0706 0.0431 0.0578 0.0667 0.0560
Announcement Date 3/17/19 3/8/20 3/4/21 3/15/22 3/15/23 3/14/24
1OMR in Million2OMR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 3.694 3.994 3.713 5.188 5.584 5
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 0.8887 0.7914 0.913 2.319 1.886 2.106
Net income 1 0.7554 0.6727 0.776 1.914 1.603 1.79
Net margin 20.45% 16.84% 20.9% 36.89% 28.71% 35.81%
EPS 2 0.002121 0.001888 0.002179 0.005373 0.004501 0.005027
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - 0.002900 0.002700 0.003000
Announcement Date 3/17/19 3/8/20 3/4/21 3/15/22 3/15/23 3/14/24
1OMR in Million2OMR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2023 Q2 2024 Q1
Net sales 1 - 1.649
EBITDA - -
EBIT - -
Operating Margin - -
Earnings before Tax (EBT) - -
Net income 0.5526 -
Net margin - -
EPS 0.006000 -
Dividend per Share - -
Announcement Date 7/27/23 -
1OMR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 47.7 44.4 36 27.1 35.2 41.9
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 1.72% 1.52% 1.72% 4.13% 3.36% 3.69%
ROA (Net income/ Total Assets) 0.68% 0.65% 0.81% 2.21% 1.81% 1.82%
Assets 1 111.6 103.8 95.9 86.61 88.74 98.4
Book Value Per Share 2 0.1200 0.1300 0.1300 0.1300 0.1300 0.1400
Cash Flow per Share 2 0 0 0 0 0 0
Capex 1 0.08 0.05 0.07 0.04 0.08 0.13
Capex / Sales 2.2% 1.16% 1.87% 0.69% 1.39% 2.67%
Announcement Date 3/17/19 3/8/20 3/4/21 3/15/22 3/15/23 3/14/24
1OMR in Million2OMR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
2
Last Close Price
0.059 OMR
Average target price
0.069 OMR
Spread / Average Target
+16.95%
Consensus

Quarterly revenue - Rate of surprise

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