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United Financial Investments Company PSC (UCFI) 10-Year Financial Performance & Capital Metrics

UCFI • • Banking & Credit
Financial ServicesInvestment BankingInvestment Management & AdvisoryFinancial Advisory Services
AboutA Jordanian public shareholding company specializing in brokerage, investment consultancy, securities trading, portfolio management, and financial advisory services.Show more
  • Net Interest Income $53K
  • Total Revenue $11M
  • Net Income $4M
  • Return on Equity 36.96%
  • Net Interest Margin 0.11%
  • Efficiency Ratio 17.64%
  • ROA 7.87%
  • Equity / Assets 21.3%
  • Book Value per Share -
  • Tangible BV/Share -
  • Debt/Equity -
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Excellent 3Y average ROE of 37.0%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 17.6% efficiency ratio
  • ✓Momentum leader: RS Rating 98 (top 2%)
  • ✓Well capitalized: 21.3% equity/assets
  • ✓Diversified revenue: 99.5% from non-interest income

✗Weaknesses

  • ✗Weak NIM of 0.1%
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y-
3Y-
TTM-

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM-

EPS CAGR

10Y-
5Y-
3Y-
TTM-

ROCE

10Y Avg51.26%
5Y Avg51.26%
3Y Avg51.26%
Latest51.26%

Peer Comparison

Financial Advisory Services
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Valuation
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Growth
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Quality & Returns
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Momentum & Returns
Total Return (DRIP)
Technical
Volume & Trading
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Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
ZBAIATIF Holdings Ltd.72.19M7.00-25.9393.55%-383.17%-47.58%
UCFIUnited Financial Investments Company PSC287.81M5.5135.22%36.96%14.62%

Profit & Loss

Dec 2024
Net Interest Income+53.49K
NII Growth %-
Net Interest Margin %-
Interest Income53.49K
Interest Expense0
Loan Loss Provision3.8M
Non-Interest Income+11.29M
Non-Interest Income %-
Total Revenue+11.35M
Revenue Growth %-
Non-Interest Expense2M
Efficiency Ratio-
Operating Income+5.54M
Operating Margin %-
Operating Income Growth %-
Pretax Income+5.61M
Pretax Margin %-
Income Tax+1.61M
Effective Tax Rate %-
Net Income+4M
Net Margin %-
Net Income Growth %-
Net Income (Continuing)4M
EPS (Diluted)+0.00
EPS Growth %-
EPS (Basic)0.00
Diluted Shares Outstanding0

Balance Sheet

Dec 2024
Cash & Short Term Investments+1000K
Cash & Due from Banks41.43M
Short Term Investments0
Total Investments+0
Investments Growth %-
Long-Term Investments0
Accounts Receivables845
Goodwill & Intangibles+-
Goodwill0
Intangible Assets2.7M
PP&E (Net)4.04M
Other Assets0
Total Current Assets44.02M
Total Non-Current Assets6.74M
Total Assets+50.75M
Asset Growth %-
Return on Assets (ROA)0.08%
Accounts Payable585.3K
Total Debt+0
Net Debt-41.43M
Long-Term Debt0
Short-Term Debt0
Other Liabilities0
Total Current Liabilities39.94M
Total Non-Current Liabilities0
Total Liabilities39.94M
Total Equity+10.81M
Equity Growth %-
Equity / Assets (Capital Ratio)-
Return on Equity (ROE)0.37%
Book Value per Share-
Tangible BV per Share-
Common Stock0
Additional Paid-in Capital6.94M
Retained Earnings4M
Accumulated OCI-120.72K
Treasury Stock0
Preferred Stock0

Cash Flow

Dec 2024
Cash from Operations+42.12M
Operating CF Growth %-
Net Income4M
Depreciation & Amortization194.6K
Deferred Taxes0
Other Non-Cash Items121.22K
Working Capital Changes37.8M
Cash from Investing+-52.41K
Purchase of Investments0
Sale/Maturity of Investments0
Net Investment Activity-
Acquisitions0
Other Investing-50.6K
Cash from Financing+0
Dividends Paid0
Share Repurchases0
Stock Issued0
Net Stock Activity-
Debt Issuance (Net)0
Other Financing0
Net Change in Cash+41.43M
Exchange Rate Effect-631.16K
Cash at Beginning15
Cash at End41.43M
Interest Paid0
Income Taxes Paid108.72K
Free Cash Flow+42.06M
FCF Growth %-

Banking Ratios

Metric2024
Return on Equity (ROE)36.96%
Return on Assets (ROA)7.87%
Net Interest Margin0.11%
Efficiency Ratio17.64%
Equity / Assets21.3%

Frequently Asked Questions

Growth & Financials

United Financial Investments Company PSC (UCFI) grew revenue by 0.0% over the past year. Growth has been modest.

Yes, United Financial Investments Company PSC (UCFI) is profitable, generating $4.0M in net income for fiscal year 2024 (35.2% net margin).

Dividend & Returns

United Financial Investments Company PSC (UCFI) has a return on equity (ROE) of 37.0%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

United Financial Investments Company PSC (UCFI) has a net interest margin (NIM) of 0.1%. NIM has been under pressure due to interest rate environment.

United Financial Investments Company PSC (UCFI) has an efficiency ratio of 17.6%. This is excellent, indicating strong cost control.

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