UCFI
United Financial Investments Company PSC
Investment - Banking & Investment Services
Market Cap$288M
5Y Perf.+34.7%
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Stock Comparison
UCFI vs FSCO
Revenue, margins, valuation, and 5-year total return — side by side.
FSCO
FS Credit Opportunities Corp.
Asset Management
Market Cap$1.02B
5Y Perf.-2.7%
UCFI vs FSCO — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | UCFI | FSCO |
|---|---|---|
| Industry | Investment - Banking & Investment Services | Asset Management |
| Market Cap | $288M | $1.02B |
| Revenue (TTM) | $11M | $254M |
| Net Income (TTM) | $4M | $188M |
| Gross Margin | 66.5% | 81.3% |
| Operating Margin | 48.8% | 77.5% |
| Forward P/E | — | 5.4x |
| Total Debt | $0.00 | $453M |
| Cash & Equiv. | $41M | $189M |
UCFI vs FSCO — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
UCFI
FSCO
| Stock | Sep 25 | Mar 26 | Return |
|---|---|---|---|
| United Financial In… (UCFI) | 100 | 134.7 | +34.7% |
| FS Credit Opportuni… (FSCO) | 100 | 97.3 | -2.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: UCFI vs FSCO
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FSCO 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 FSCO's 70.6%
- Better valuation composite
Best for: long-term compounding
FSCO
FS Credit Opportunities Corp.
The Banking Pick
FSCO carries the broadest edge in this set and is the clearest fit for sleep-well-at-night and defensive.
- Lower volatility, beta 0.64, Low D/E 31.9%, current ratio 5.84x
- Beta 0.64, yield 13.9%, current ratio 5.84x
- NIM 8.9% 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 | FSCO | Efficiency ratio 0.0% vs UCFI's 0.2% (lower = leaner) |
| Dividends | FSCO | 13.9% yield; 3-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | FSCO | -16.1% vs UCFI's -45.4% |
| Efficiency (ROA) | FSCO | Efficiency ratio 0.0% vs UCFI's 0.2% |
UCFI vs FSCO — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFSCOLAGGINGUCFI
UCFIUnited Financial Inve…
1leads
FSCOFS Credit Opportuniti…
3leads
6 Total Categories
CATEGORYLEADERvs UCFIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FSCO3/4
Valuation MetricsMultiples, price ratios, and targets
FSCO2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
UCFI6/7
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
FSCO1/1
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
FSCO leads this category, winning 3 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
FSCO is the larger business by revenue, generating $254M annually — 22.4x UCFI's $11M. FSCO is the more profitable business, keeping 74.2% of every revenue dollar as net income compared to UCFI's 35.2%.
| Metric | UCFIUnited Financial … | FSCOFS Credit Opportu… |
|---|---|---|
| RevenueTrailing 12 months | $11M | $254M |
| EBITDAEarnings before interest/tax | — | — |
| Net IncomeAfter-tax profit | — | — |
| Free Cash FlowCash after capex | — | — |
| Gross MarginGross profit ÷ Revenue | +66.5% | +81.3% |
| Operating MarginEBIT ÷ Revenue | +48.8% | +77.5% |
| Net MarginNet income ÷ Revenue | +35.2% | +74.2% |
| FCF MarginFCF ÷ Revenue | +3.7% | +26.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | — |
FSCO leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
FSCO leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
On an enterprise value basis, FSCO's 6.5x EV/EBITDA is more attractive than UCFI's 42.9x.
| Metric | UCFIUnited Financial … | FSCOFS Credit Opportu… |
|---|---|---|
| Market CapShares × price | $288M | $1.0B |
| Enterprise ValueMkt cap + debt − cash | $246M | $1.3B |
| Trailing P/EPrice ÷ TTM EPS | — | 5.42x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 42.95x | 6.54x |
| Price / SalesMarket cap ÷ Revenue | 25.36x | 4.03x |
| Price / BookPrice ÷ Book value/share | — | 0.72x |
| Price / FCFMarket cap ÷ FCF | 6.84x | 15.23x |
FSCO leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
UCFI leads this category, winning 6 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 $13 for FSCO. On the Piotroski fundamental quality scale (0–9), UCFI scores 7/9 vs FSCO's 3/9, reflecting strong financial health.
| Metric | UCFIUnited Financial … | FSCOFS Credit Opportu… |
|---|---|---|
| ROE (TTM)Return on equity | +37.0% | +13.5% |
| ROA (TTM)Return on assets | +7.9% | +8.5% |
| ROICReturn on invested capital | +38.4% | +8.1% |
| ROCEReturn on capital employed | +51.3% | +9.0% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 3 |
| Debt / EquityFinancial leverage | — | 0.32x |
| Net DebtTotal debt minus cash | -$41M | $264M |
| Cash & Equiv.Liquid assets | $41M | $189M |
| Total DebtShort + long-term debt | $0 | $453M |
| Interest CoverageEBIT ÷ Interest expense | — | 4.14x |
UCFI leads this category, winning 6 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — UCFI and FSCO 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 $17,062 for FSCO. Over the past 12 months, FSCO leads with a -16.1% total return vs UCFI's -45.4%. The 3-year compound annual growth rate (CAGR) favors FSCO at 19.7% vs UCFI's -18.3% — a key indicator of consistent wealth creation.
| Metric | UCFIUnited Financial … | FSCOFS Credit Opportu… |
|---|---|---|
| YTD ReturnYear-to-date | 0.0% | -14.9% |
| 1-Year ReturnPast 12 months | -45.4% | -16.1% |
| 3-Year ReturnCumulative with dividends | -45.4% | +71.4% |
| 5-Year ReturnCumulative with dividends | +747.7% | +70.6% |
| 10-Year ReturnCumulative with dividends | +330.5% | +70.6% |
| CAGR (3Y)Annualised 3-year return | -18.3% | +19.7% |
Evenly matched — UCFI and FSCO each lead in 3 of 6 comparable metrics.
Risk & Volatility
FSCO leads this category, winning 1 of 1 comparable metric.
Risk & Volatility
FSCO currently trades 67.3% 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 … | FSCOFS Credit Opportu… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | — | 0.64x |
| 52-Week HighHighest price in past year | $11.00 | $7.65 |
| 52-Week LowLowest price in past year | $3.41 | $4.13 |
| % of 52W HighCurrent price vs 52-week peak | +50.1% | +67.3% |
| RSI (14)Momentum oscillator 0–100 | 33.5 | 49.4 |
| Avg Volume (50D)Average daily shares traded | 0 | 1.9M |
FSCO leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
FSCO is the only dividend payer here at 13.93% yield — a key consideration for income-focused portfolios.
| Metric | UCFIUnited Financial … | FSCOFS Credit Opportu… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | — | +13.9% |
| Dividend StreakConsecutive years of raises | — | 3 |
| Dividend / ShareAnnual DPS | — | $0.72 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
FSCO leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). UCFI leads in 1 (Profitability & Efficiency). 1 tied.
Best OverallFS Credit Opportunities Cor… (FSCO)Leads 3 of 6 categories
Loading custom metrics...
UCFI vs FSCO: Frequently Asked Questions
6 questions · data-driven answers · updated daily
01Is UCFI or FSCO a better buy right now?
FS Credit Opportunities Corp.
(FSCO) offers the better valuation at 5. 4x trailing P/E, making it the more compelling value choice. 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 FSCO?
Over the past 5 years, United Financial Investments Company PSC (UCFI) delivered a total return of +747.
7%, compared to +70. 6% for FS Credit Opportunities Corp. (FSCO). Over 10 years, the gap is even starker: UCFI returned +330. 5% versus FSCO's +70. 6%. 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 FSCO?
FS Credit Opportunities Corp.
(FSCO) is the more profitable company, earning 74. 2% net margin versus 35. 2% for United Financial Investments Company PSC — meaning it keeps 74. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FSCO leads at 77. 5% versus 48. 8% for UCFI. At the gross margin level — before operating expenses — FSCO leads at 81. 3%, 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 FSCO?
In this comparison, FSCO (13.
9% yield) pays a dividend. UCFI does not pay a meaningful dividend and should not be held primarily for income.
05Is UCFI or FSCO better for a retirement portfolio?
For long-horizon retirement investors, FS Credit Opportunities Corp.
(FSCO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 64), 13. 9% yield). Both have compounded well over 10 years (FSCO: +70. 6%, 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 FSCO?
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; FSCO is a small-cap deep-value stock. FSCO 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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Net Margin>
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