United Finance Company SAOG

United Finance Company SAOG has a liquidity position that is considered medium, with a debt-to-equity ratio of 1.06, indicating a moderate level of leverage. The company's free cash flow of 462,510 OMR and operating cash flow of 124,630 OMR suggest a positive cash generation capability, although the cash and equivalents of 250,000 OMR are relatively low compared to its total liabilities of 55,907,430 OMR. The company's return on equity of 0.0098 and return on assets of 0.0045 indicate a modest return on invested capital.

The company's profitability is reflected in its net income of 475,190 OMR and operating income of 558,750 OMR, which are key indicators of its financial health. These figures are compared against the industry's preferred metrics, which typically emphasize high net interest margins and low non-performing loan ratios. United Finance Company SAOG's performance is in line with the industry's expectations, although the exact cohort medians are not provided for a more detailed comparison.

The company's revenue is not segmented by geographic regions or business lines in the provided data, making it difficult to assess the concentration of its revenue sources. However, the total revenue of 2,321,790 OMR indicates a significant scale of operations, and the absence of detailed segment data suggests a need for further investigation into the diversification of its revenue streams.

The company's growth trajectory is not explicitly detailed in the provided data, but the absence of a negative outlook and the presence of a positive free cash flow suggest a stable financial position. The company's revenue history and future outlook are not provided in the data, which limits the ability to assess its growth potential.

The risk assessment for United Finance Company SAOG indicates a medium liquidity risk and a low dilution risk. The company's liquidity position is supported by its free cash flow and operating cash flow, but the negative net cash position after subtracting total debt is a key flag that requires monitoring. The dilution risk is considered low, which is a positive sign for shareholders.

Recent events related to United Finance Company SAOG are not detailed in the provided data, which limits the ability to assess the impact of recent filings or transcripts on the company's financial position. The absence of specific events does not necessarily indicate a lack of activity, but it does suggest that further information is needed to fully understand the company's recent developments.

Net income surged 42.6% year-over-year to OMR 2.97 million, significantly outpacing the 17.2% revenue growth rate.

Free cash flow jumped 83.3% to OMR 1.84 million, demonstrating strong cash generation capabilities relative to earnings.

Total assets expanded 20.6% year-over-year to OMR 133.4 million, reflecting robust balance sheet growth and scale.

Analyst consensus suggests a 9.1% upside to a target price of OMR 0.096, signaling positive market sentiment.

Return on equity of 0.98% sits in the bottom quartile of the consumer lending cohort, signaling poor capital efficiency.

Long-term debt increased to OMR 74.6 million, rising faster than equity and increasing financial leverage risks.

The company faces a high credit risk flag, suggesting potential vulnerabilities in its loan portfolio quality.

Return on assets of 0.45% remains extremely low, highlighting inefficient utilization of the company's asset base.

Revenue OMR 3.1M, +24,9% YoY; Operating income +39,2% YoY.

• ▍Revenue OMR 3.1M, +24,9% YoY
• ▍Operating income +39,2% YoY
• ▍Net income +39,2% YoY
• ▍Free cash flow +38,0% YoY
• ▍Net margin 22.9%

Revenue OMR 3.1M, +23,2% YoY; Operating income +93,9% YoY.

• ▍Revenue OMR 3.1M, +23,2% YoY
• ▍Operating income +93,9% YoY
• ▍Net income +82,9% YoY
• ▍Free cash flow +93,9% YoY
• ▍Net margin 29.8%

Revenue OMR 3.0M, +16,9% YoY; Operating income +25,5% YoY.

• ▍Revenue OMR 3.0M, +16,9% YoY
• ▍Operating income +25,5% YoY
• ▍Net income +25,6% YoY
• ▍Free cash flow +29,9% YoY
• ▍Net margin 27.9%

Revenue OMR 2.8M, +19,5% YoY; Operating income +47,9% YoY.

• ▍Revenue OMR 2.8M, +19,5% YoY
• ▍Operating income +47,9% YoY
• ▍Net income +47,9% YoY
• ▍Free cash flow +51,2% YoY
• ▍Net margin 25.3%

Revenue OMR 2.5M; Operating income OMR 525.6k.

• ▍Revenue OMR 2.5M
• ▍Operating income OMR 525.6k
• ▍Net margin 20.0%

Revenue OMR 2.5M; Operating income OMR 778.5k.

• ▍Revenue OMR 2.5M
• ▍Operating income OMR 778.5k
• ▍Net margin 26.0%

Revenue OMR 2.3M; Operating income OMR 558.8k.

• ▍Revenue OMR 2.3M
• ▍Operating income OMR 558.8k
• ▍Net margin 20.5%

Revenue OMR 11.3M, +17,2% YoY; Operating income +43,9% YoY.

• ▍Revenue OMR 11.3M, +17,2% YoY
• ▍Operating income +43,9% YoY
• ▍Net income +42,6% YoY
• ▍Free cash flow +83,3% YoY
• ▍Net margin 26.2%

Revenue OMR 9.7M, +9,4% YoY; Operating income +15,1% YoY.

• ▍Revenue OMR 9.7M, +9,4% YoY
• ▍Operating income +15,1% YoY
• ▍Net income +16,2% YoY
• ▍Free cash flow +23,9% YoY
• ▍Net margin 21.5%

Revenue OMR 8.8M, +14,7% YoY; Operating income +11,9% YoY.

• ▍Revenue OMR 8.8M, +14,7% YoY
• ▍Operating income +11,9% YoY
• ▍Net income +11,7% YoY
• ▍Free cash flow +41,2% YoY
• ▍Net margin 20.2%

Revenue OMR 7.7M, −5,8% YoY; Operating income −19,0% YoY.

• ▍Revenue OMR 7.7M, −5,8% YoY
• ▍Operating income −19,0% YoY
• ▍Net income −16,2% YoY
• ▍Free cash flow −70,9% YoY
• ▍Net margin 20.8%

Revenue OMR 8.2M; Operating income OMR 2.3M.

• ▍Revenue OMR 8.2M
• ▍Operating income OMR 2.3M
• ▍Net margin 23.4%