United Financial Investments Plc (UCFI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

United Financial Investments Plc

Al-Amal Financial Investments Co.

National Portfolio Securities Plc

Why is United Financial Investments Plc ?

The company has declared positive results in Jan 70 after 3 consecutive negative quarters

OPERATING CASH FLOW(Y) Highest at JOD 0.54 MM
NET SALES(HY) Higher at JOD 3.78 MM
ROCE(HY) Highest at 0%

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -47.88%, its profits have fallen by -232.7%

Below par performance in long term as well as near term

Along with generating -47.88% returns in the last 1 year, the stock has also underperformed Jordan General Index in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to United Financial Investments Plc should be less than 10%
Overall Portfolio exposure to Miscellaneous should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Miscellaneous)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is United Financial Investments Plc for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

United Financial Investments Plc

-47.88%

0.07

226.20%

Jordan General Index

41.27%

4.23

9.76%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

26.89%

EBIT Growth (5y)

9.58%

EBIT to Interest (avg)

-0.76

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

0.68

Tax Ratio

7.65%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

19.69%

ROE (avg)

2.24%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

EV to EBIT

4.59

EV to EBITDA

4.87

EV to Capital Employed

10.11

EV to Sales

-5.37

PEG Ratio

Dividend Yield

ROCE (Latest)

220.32%

ROE (Latest)

-28.45%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

Bullish

No Signal

Bollinger Bands

Bearish

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

24What is working for the Company

OPERATING CASH FLOW(Y)

Highest at JOD 0.54 MM

NET SALES(HY)

Higher at JOD 3.78 MM

ROCE(HY)

Highest at 0%

RAW MATERIAL COST(Y)

Fallen by -167.27% (YoY

PRE-TAX PROFIT(Q)

Highest at JOD 0.23 MM

NET PROFIT(Q)

Highest at JOD 0.27 MM

-5What is not working for the Company

INTEREST(9M)

At JOD 0.6 MM has Grown at inf%

DEBTORS TURNOVER RATIO(HY)

Lowest at 0 times

Here's what is working for United Financial Investments Plc

Net Sales

At JOD 3.78 MM has Grown at 297.46%

Year on Year (YoY)

MOJO Watch

Sales trend is very positive

Net Sales (JOD MM)

Operating Cash Flow

Highest at JOD 0.54 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (JOD MM)

Net Sales

Higher at JOD 3.78 MM

than preceding 12 month period ended Dec 2025

MOJO Watch

In the half year the company has already crossed sales of the previous twelve months

Net Sales (JOD MM)

Pre-Tax Profit

Highest at JOD 0.23 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JOD MM)

Pre-Tax Profit

At JOD 0.23 MM has Grown at 123.96%

over average net sales of the previous four periods of JOD -0.96 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JOD MM)

Net Profit

Highest at JOD 0.27 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JOD MM)

Net Profit

At JOD 0.27 MM has Grown at 120.14%

over average net sales of the previous four periods of JOD -1.34 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JOD MM)

Raw Material Cost

Fallen by -167.27% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for United Financial Investments Plc

Interest

At JOD 0.6 MM has Grown at inf%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JOD MM)

Debtors Turnover Ratio

Lowest at 0 times

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio