UCFI
United Financial Investments Company PSC
Investment - Banking & Investment Services
Market Cap$288M
5Y Perf.+920.4%
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Stock Comparison
UCFI vs ARCC
Revenue, margins, valuation, and 5-year total return — side by side.
ARCC
Ares Capital Corporation
Asset Management
Market Cap$13.61B
5Y Perf.+26.2%
UCFI vs ARCC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | UCFI | ARCC |
|---|---|---|
| Industry | Investment - Banking & Investment Services | Asset Management |
| Market Cap | $288M | $13.61B |
| Revenue (TTM) | $11M | $3.15B |
| Net Income (TTM) | $4M | $1.15B |
| Gross Margin | 66.5% | 75.7% |
| Operating Margin | 48.8% | 69.7% |
| Forward P/E | — | 9.9x |
| Total Debt | $0.00 | $15.99B |
| Cash & Equiv. | $41M | $924M |
UCFI vs ARCC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
UCFI
ARCC
| Stock | Jun 20 | Mar 26 | Return |
|---|---|---|---|
| United Financial In… (UCFI) | 100 | 1020.4 | +920.4% |
| Ares Capital Corpor… (ARCC) | 100 | 126.2 | +26.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: UCFI vs ARCC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ARCC leads in 4 of 5 categories, making it the strongest pick for profitability and margin quality and dividend income and shareholder returns. United Financial Investments Company PSC is the stronger pick specifically for valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
UCFI
United Financial Investments Company PSC
The Banking Pick
UCFI is the clearest fit if your priority is long-term compounding.
- 330.5% 10Y total return vs ARCC's 139.2%
- Better valuation composite
Best for: long-term compounding
ARCC
Ares Capital Corporation
The Banking Pick
ARCC carries the broadest edge in this set and is the clearest fit for sleep-well-at-night and defensive.
- Lower volatility, beta 0.77, current ratio 1.71x
- Beta 0.77, yield 2.0%, current ratio 1.71x
- NIM 3.6% vs UCFI's 0.1%
Best for: sleep-well-at-night and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Value | UCFI | Better valuation composite |
| Quality / Margins | ARCC | Efficiency ratio 0.1% vs UCFI's 0.2% (lower = leaner) |
| Dividends | ARCC | 2.0% yield; the other pay no meaningful dividend |
| Momentum (1Y) | ARCC | +0.4% vs UCFI's -45.4% |
| Efficiency (ROA) | ARCC | Efficiency ratio 0.1% vs UCFI's 0.2% |
UCFI vs ARCC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLARCCLAGGINGUCFI
UCFIUnited Financial Inve…
1leads
ARCCAres Capital Corporat…
3leads
6 Total Categories
CATEGORYLEADERvs UCFIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ARCC3/4
Valuation MetricsMultiples, price ratios, and targets
ARCC2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
UCFI7/7
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
ARCC1/1
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
ARCC leads this category, winning 3 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
ARCC is the larger business by revenue, generating $3.1B annually — 277.2x UCFI's $11M. ARCC is the more profitable business, keeping 41.3% of every revenue dollar as net income compared to UCFI's 35.2%.
| Metric | UCFIUnited Financial … | ARCCAres Capital Corp… |
|---|---|---|
| RevenueTrailing 12 months | $11M | $3.1B |
| EBITDAEarnings before interest/tax | — | $2.0B |
| Net IncomeAfter-tax profit | — | $1.1B |
| Free Cash FlowCash after capex | — | $1.1B |
| Gross MarginGross profit ÷ Revenue | +66.5% | +75.7% |
| Operating MarginEBIT ÷ Revenue | +48.8% | +69.7% |
| Net MarginNet income ÷ Revenue | +35.2% | +41.3% |
| FCF MarginFCF ÷ Revenue | +3.7% | +36.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | -63.9% |
ARCC leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
ARCC leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
On an enterprise value basis, ARCC's 13.1x EV/EBITDA is more attractive than UCFI's 42.9x.
| Metric | UCFIUnited Financial … | ARCCAres Capital Corp… |
|---|---|---|
| Market CapShares × price | $288M | $13.6B |
| Enterprise ValueMkt cap + debt − cash | $246M | $28.7B |
| Trailing P/EPrice ÷ TTM EPS | — | 10.19x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 9.92x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.99x |
| EV / EBITDAEnterprise value multiple | 42.95x | 13.09x |
| Price / SalesMarket cap ÷ Revenue | 25.36x | 4.33x |
| Price / BookPrice ÷ Book value/share | — | 0.93x |
| Price / FCFMarket cap ÷ FCF | 6.84x | 11.92x |
ARCC leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
UCFI leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
UCFI delivers a 37.0% return on equity — every $100 of shareholder capital generates $37 in annual profit, vs $8 for ARCC. On the Piotroski fundamental quality scale (0–9), UCFI scores 7/9 vs ARCC's 4/9, reflecting strong financial health.
| Metric | UCFIUnited Financial … | ARCCAres Capital Corp… |
|---|---|---|
| ROE (TTM)Return on equity | +37.0% | +8.1% |
| ROA (TTM)Return on assets | +7.9% | +3.8% |
| ROICReturn on invested capital | +38.4% | +5.7% |
| ROCEReturn on capital employed | +51.3% | +7.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 4 |
| Debt / EquityFinancial leverage | — | 1.12x |
| Net DebtTotal debt minus cash | -$41M | $15.1B |
| Cash & Equiv.Liquid assets | $41M | $924M |
| Total DebtShort + long-term debt | $0 | $16.0B |
| Interest CoverageEBIT ÷ Interest expense | — | 2.98x |
UCFI leads this category, winning 7 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — UCFI and ARCC each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in UCFI five years ago would be worth $84,769 today (with dividends reinvested), compared to $14,704 for ARCC. Over the past 12 months, ARCC leads with a +0.4% total return vs UCFI's -45.4%. The 3-year compound annual growth rate (CAGR) favors ARCC at 10.3% vs UCFI's -18.3% — a key indicator of consistent wealth creation.
| Metric | UCFIUnited Financial … | ARCCAres Capital Corp… |
|---|---|---|
| YTD ReturnYear-to-date | 0.0% | -4.9% |
| 1-Year ReturnPast 12 months | -45.4% | +0.4% |
| 3-Year ReturnCumulative with dividends | -45.4% | +34.2% |
| 5-Year ReturnCumulative with dividends | +747.7% | +47.0% |
| 10-Year ReturnCumulative with dividends | +330.5% | +139.2% |
| CAGR (3Y)Annualised 3-year return | -18.3% | +10.3% |
Evenly matched — UCFI and ARCC each lead in 3 of 6 comparable metrics.
Risk & Volatility
ARCC leads this category, winning 1 of 1 comparable metric.
Risk & Volatility
ARCC currently trades 81.0% from its 52-week high vs UCFI's 50.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | UCFIUnited Financial … | ARCCAres Capital Corp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | — | 0.77x |
| 52-Week HighHighest price in past year | $11.00 | $23.42 |
| 52-Week LowLowest price in past year | $3.41 | $17.40 |
| % of 52W HighCurrent price vs 52-week peak | +50.1% | +81.0% |
| RSI (14)Momentum oscillator 0–100 | 33.5 | 56.7 |
| Avg Volume (50D)Average daily shares traded | 0 | 7.5M |
ARCC leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
ARCC is the only dividend payer here at 2.02% yield — a key consideration for income-focused portfolios.
| Metric | UCFIUnited Financial … | ARCCAres Capital Corp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $21.88 |
| # AnalystsCovering analysts | — | 32 |
| Dividend YieldAnnual dividend ÷ price | — | +2.0% |
| Dividend StreakConsecutive years of raises | — | 0 |
| Dividend / ShareAnnual DPS | — | $0.38 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
ARCC leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). UCFI leads in 1 (Profitability & Efficiency). 1 tied.
Best OverallAres Capital Corporation (ARCC)Leads 3 of 6 categories
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UCFI vs ARCC: Frequently Asked Questions
6 questions · data-driven answers · updated daily
01Is UCFI or ARCC a better buy right now?
Ares Capital Corporation (ARCC) offers the better valuation at 10.
2x trailing P/E (9. 9x forward), making it the more compelling value choice. Analysts rate Ares Capital Corporation (ARCC) a "Buy" — based on 32 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — UCFI or ARCC?
Over the past 5 years, United Financial Investments Company PSC (UCFI) delivered a total return of +747.
7%, compared to +47. 0% for Ares Capital Corporation (ARCC). Over 10 years, the gap is even starker: UCFI returned +330. 5% versus ARCC's +139. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which has better profit margins — UCFI or ARCC?
Ares Capital Corporation (ARCC) is the more profitable company, earning 41.
3% net margin versus 35. 2% for United Financial Investments Company PSC — meaning it keeps 41. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ARCC leads at 69. 7% versus 48. 8% for UCFI. At the gross margin level — before operating expenses — ARCC leads at 75. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
04Which pays a better dividend — UCFI or ARCC?
In this comparison, ARCC (2.
0% yield) pays a dividend. UCFI does not pay a meaningful dividend and should not be held primarily for income.
05Is UCFI or ARCC better for a retirement portfolio?
For long-horizon retirement investors, Ares Capital Corporation (ARCC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
77), 2. 0% yield, +139. 2% 10Y return). Both have compounded well over 10 years (ARCC: +139. 2%, UCFI: +330. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
06What are the main differences between UCFI and ARCC?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: UCFI is a small-cap quality compounder stock; ARCC is a mid-cap high-growth stock. ARCC pays a dividend while UCFI does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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