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 TPVG
Revenue, margins, valuation, and 5-year total return — side by side.
TPVG
TriplePoint Venture Growth BDC Corp.
Asset Management
Market Cap$243M
5Y Perf.-48.2%
UCFI vs TPVG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | UCFI | TPVG |
|---|---|---|
| Industry | Investment - Banking & Investment Services | Asset Management |
| Market Cap | $288M | $243M |
| Revenue (TTM) | $11M | $97M |
| Net Income (TTM) | $4M | $-12M |
| Gross Margin | 66.5% | 83.5% |
| Operating Margin | 48.8% | 77.9% |
| Forward P/E | — | 6.5x |
| Total Debt | $0.00 | $469M |
| Cash & Equiv. | $41M | $20M |
UCFI vs TPVG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
UCFI
TPVG
| Stock | Jun 20 | Mar 26 | Return |
|---|---|---|---|
| United Financial In… (UCFI) | 100 | 1020.4 | +920.4% |
| TriplePoint Venture… (TPVG) | 100 | 51.8 | -48.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: UCFI vs TPVG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: TPVG leads in 4 of 4 categories, making it the strongest pick for profitability and margin quality and dividend income and shareholder returns. 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 TPVG's 93.3%
Best for: long-term compounding
TPVG
TriplePoint Venture Growth BDC Corp.
The Banking Pick
TPVG carries the broadest edge in this set and is the clearest fit for bank quality.
- NIM 7.4% vs UCFI's 0.1%
- Efficiency ratio 0.1% vs UCFI's 0.2% (lower = leaner)
- 17.1% yield; the other pay no meaningful dividend
Best for: bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Quality / Margins | TPVG | Efficiency ratio 0.1% vs UCFI's 0.2% (lower = leaner) |
| Dividends | TPVG | 17.1% yield; the other pay no meaningful dividend |
| Momentum (1Y) | TPVG | +19.3% vs UCFI's -45.4% |
| Efficiency (ROA) | TPVG | Efficiency ratio 0.1% vs UCFI's 0.2% |
UCFI vs TPVG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTPVGLAGGINGUCFI
UCFIUnited Financial Inve…
1leads
TPVGTriplePoint Venture G…
3leads
6 Total Categories
CATEGORYLEADERvs UCFIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
TPVG3/4
Valuation MetricsMultiples, price ratios, and targets
TPVG2/2
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
UCFI7/7
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
TPVG1/1
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
TPVG leads this category, winning 3 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
TPVG is the larger business by revenue, generating $97M annually — 8.6x UCFI's $11M. TPVG is the more profitable business, keeping 50.6% of every revenue dollar as net income compared to UCFI's 35.2%.
| Metric | UCFIUnited Financial … | TPVGTriplePoint Ventu… |
|---|---|---|
| RevenueTrailing 12 months | $11M | $97M |
| EBITDAEarnings before interest/tax | — | -$22M |
| Net IncomeAfter-tax profit | — | -$12M |
| Free Cash FlowCash after capex | — | $35M |
| Gross MarginGross profit ÷ Revenue | +66.5% | +83.5% |
| Operating MarginEBIT ÷ Revenue | +48.8% | +77.9% |
| Net MarginNet income ÷ Revenue | +35.2% | +50.6% |
| FCF MarginFCF ÷ Revenue | +3.7% | -58.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | -2.3% |
TPVG leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
TPVG leads this category, winning 2 of 2 comparable metrics.
Valuation Metrics
On an enterprise value basis, TPVG's 9.1x EV/EBITDA is more attractive than UCFI's 42.9x.
| Metric | UCFIUnited Financial … | TPVGTriplePoint Ventu… |
|---|---|---|
| Market CapShares × price | $288M | $243M |
| Enterprise ValueMkt cap + debt − cash | $246M | $691M |
| Trailing P/EPrice ÷ TTM EPS | — | 4.91x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 6.50x |
| PEG RatioP/E ÷ EPS growth rate | — | 4.84x |
| EV / EBITDAEnterprise value multiple | 42.95x | 9.13x |
| Price / SalesMarket cap ÷ Revenue | 25.36x | 2.50x |
| Price / BookPrice ÷ Book value/share | — | 0.68x |
| Price / FCFMarket cap ÷ FCF | 6.84x | — |
TPVG leads this category, winning 2 of 2 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 $-3 for TPVG. On the Piotroski fundamental quality scale (0–9), UCFI scores 7/9 vs TPVG's 5/9, reflecting strong financial health.
| Metric | UCFIUnited Financial … | TPVGTriplePoint Ventu… |
|---|---|---|
| ROE (TTM)Return on equity | +37.0% | -3.4% |
| ROA (TTM)Return on assets | +7.9% | -1.5% |
| ROICReturn on invested capital | +38.4% | +7.2% |
| ROCEReturn on capital employed | +51.3% | +9.4% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | — | 1.33x |
| Net DebtTotal debt minus cash | -$41M | $449M |
| Cash & Equiv.Liquid assets | $41M | $20M |
| Total DebtShort + long-term debt | $0 | $469M |
| Interest CoverageEBIT ÷ Interest expense | — | -1.02x |
UCFI leads this category, winning 7 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — UCFI and TPVG 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 $8,649 for TPVG. Over the past 12 months, TPVG leads with a +19.3% total return vs UCFI's -45.4%. The 3-year compound annual growth rate (CAGR) favors TPVG at -1.2% vs UCFI's -18.3% — a key indicator of consistent wealth creation.
| Metric | UCFIUnited Financial … | TPVGTriplePoint Ventu… |
|---|---|---|
| YTD ReturnYear-to-date | 0.0% | -6.3% |
| 1-Year ReturnPast 12 months | -45.4% | +19.3% |
| 3-Year ReturnCumulative with dividends | -45.4% | -3.4% |
| 5-Year ReturnCumulative with dividends | +747.7% | -13.5% |
| 10-Year ReturnCumulative with dividends | +330.5% | +93.3% |
| CAGR (3Y)Annualised 3-year return | -18.3% | -1.2% |
Evenly matched — UCFI and TPVG each lead in 3 of 6 comparable metrics.
Risk & Volatility
TPVG leads this category, winning 1 of 1 comparable metric.
Risk & Volatility
TPVG currently trades 79.5% 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 … | TPVGTriplePoint Ventu… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | — | 0.83x |
| 52-Week HighHighest price in past year | $11.00 | $7.53 |
| 52-Week LowLowest price in past year | $3.41 | $4.48 |
| % of 52W HighCurrent price vs 52-week peak | +50.1% | +79.5% |
| RSI (14)Momentum oscillator 0–100 | 33.5 | 58.3 |
| Avg Volume (50D)Average daily shares traded | 0 | 504K |
TPVG leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
TPVG is the only dividend payer here at 17.11% yield — a key consideration for income-focused portfolios.
| Metric | UCFIUnited Financial … | TPVGTriplePoint Ventu… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $8.95 |
| # AnalystsCovering analysts | — | 12 |
| Dividend YieldAnnual dividend ÷ price | — | +17.1% |
| Dividend StreakConsecutive years of raises | — | 0 |
| Dividend / ShareAnnual DPS | — | $1.02 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
TPVG leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). UCFI leads in 1 (Profitability & Efficiency). 1 tied.
Best OverallTriplePoint Venture Growth … (TPVG)Leads 3 of 6 categories
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UCFI vs TPVG: Frequently Asked Questions
6 questions · data-driven answers · updated daily
01Is UCFI or TPVG a better buy right now?
TriplePoint Venture Growth BDC Corp.
(TPVG) offers the better valuation at 4. 9x trailing P/E (6. 5x forward), making it the more compelling value choice. Analysts rate TriplePoint Venture Growth BDC Corp. (TPVG) a "Hold" — based on 12 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 TPVG?
Over the past 5 years, United Financial Investments Company PSC (UCFI) delivered a total return of +747.
7%, compared to -13. 5% for TriplePoint Venture Growth BDC Corp. (TPVG). Over 10 years, the gap is even starker: UCFI returned +330. 5% versus TPVG's +93. 3%. 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 TPVG?
TriplePoint Venture Growth BDC Corp.
(TPVG) is the more profitable company, earning 50. 6% net margin versus 35. 2% for United Financial Investments Company PSC — meaning it keeps 50. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TPVG leads at 77. 9% versus 48. 8% for UCFI. At the gross margin level — before operating expenses — TPVG leads at 83. 5%, 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 TPVG?
In this comparison, TPVG (17.
1% yield) pays a dividend. UCFI does not pay a meaningful dividend and should not be held primarily for income.
05Is UCFI or TPVG better for a retirement portfolio?
For long-horizon retirement investors, TriplePoint Venture Growth BDC Corp.
(TPVG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 17. 1% yield). Both have compounded well over 10 years (TPVG: +93. 3%, 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 TPVG?
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; TPVG is a small-cap high-growth stock. TPVG 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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