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Dhofar Insurance CoOGMUS:DICS 34 3-Year Book Growth Rate is 15.80% as of Dec. 2025, which is 86% above its 10-year median of 8.50. GuruFocus rates MUS:DICS with a GF Score™ of 34/100 and a GF Value™ of ر.ع0.28 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 480 Insurance companies, Dhofar Insurance CoOG ranks better than 75.62% on this metric.
During the past 12 months, Dhofar Insurance CoOG's average Book Value per Share Growth Rate was 6.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 15.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 11.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 16.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Dhofar Insurance CoOG was 46.00% per year. The lowest was -23.80% per year. And the median was 8.50% per year.
Dhofar Insurance CoOG (MUS:DICS) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Dhofar Insurance CoOG 3-Year Book Growth Rate Related Terms
MUS:DICS vs BRK.A, AIG, HIG: 3-Year Book Growth Rate Comparison
For the Insurance - Diversified subindustry, Dhofar Insurance CoOG's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Dhofar Insurance CoOG 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Dhofar Insurance CoOG's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Dhofar Insurance CoOG's 3-Year Book Growth Rate falls into.
Dhofar Insurance CoOG 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 15.80% mean?
Dhofar Insurance CoOG (MUS:DICS) has a 3-Year Book Growth Rate of 15.80% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Dhofar Insurance CoOG and its competitors. This is 86% above median its historical median of 8.50. According to the industry distribution chart, Dhofar Insurance CoOG ranks #117 out of 480 companies in the Insurance industry, placing it in the top 24.4%.
Is Dhofar Insurance CoOG's 3-Year Book Growth Rate too high?
Dhofar Insurance CoOG's current 3-Year Book Growth Rate of 15.80% is 86% above median its 10-year median of 8.50. The Insurance industry median 3-Year Book Growth Rate is 8.40. Dhofar Insurance CoOG's value of 15.80% is 88.1% above this industry median. Based on the distribution chart, Dhofar Insurance CoOG ranks #117 out of 480 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Dhofar Insurance CoOG has a GF Score™ of 34/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dhofar Insurance CoOG's 3-Year Book Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Dhofar Insurance CoOG ranks #117 out of 480 companies for 3-Year Book Growth Rate. This places Dhofar Insurance CoOG in the top 24% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.40. Dhofar Insurance CoOG's value of 15.80% is 88.1% above this benchmark. While the company's 10-year median is 8.50 vs. the industry median of 8.40, Dhofar Insurance CoOG has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.40, based on 480 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dhofar Insurance CoOG's current 3-Year Book Growth Rate of 15.80% is 88.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Dhofar Insurance CoOG and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhofar Insurance CoOG's current 3-Year Book Growth Rate is 15.80%, which is 86% above median its own 10-year median of 8.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhofar Insurance CoOG stock overvalued right now?
Based on GuruFocus' analysis, Dhofar Insurance CoOG (MUS:DICS) is currently considered Modestly Overvalued. The stock's GF Value™ is ر.ع0.28, compared to a current price of ر.ع0.34 — trading 21.4% above its estimated fair value. The current 3-Year Book Growth Rate is 15.80%, which is 86% above median its 10-year median of 8.50 and 88.1% above the Insurance industry median of 8.40. Dhofar Insurance CoOG's overall GF Score™ is 34/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Dhofar Insurance CoOG (MUS:DICS), the current 3-Year Book Growth Rate is 15.80% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Dhofar Insurance CoOG (MUS:DICS) Overvalued in 2026?
Based on GuruFocus' analysis, Dhofar Insurance CoOG stock appears to be overvalued.
The current stock price of ر.ع0.34 is trading 21.4% above its estimated GF Value™ of ر.ع0.28.
GuruFocus considers Dhofar Insurance CoOG to be Modestly Overvalued.
Key valuation signals for MUS:DICS:
3-Year Book Growth Rate: 15.80% (86% above median its 10-year median of 8.50)
GF Value™: ر.ع0.28 vs. price of ر.ع0.34 (21.4% above fair value)
Industry Position: 88.1% above the Insurance median (#117 of 480)
No single metric tells the full story. See the MUS:DICS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhofar Insurance Co SAOG is engaged in undertaking the business of insurance (general and life). Its product portfolio includes Motor Insurance, Life Insurance, Medical Insurance, Travel Insurance, Home Contents Insurance, Property Insurance, Liability Insurance, Marine Insurance, Cyber Insurance, Energy Insurance, Industrial Insurance, Engineering Insurance, Oil and Petrochemical Insurance, Personal Accident Insurance, and Workmen's Compensation Insurance. Its segments include Engineering, Fire Marine cargo, Marine hull, Motor, Miscellaneous, Medical, Group life, and Individual life. It derives the majority of revenue from the provision of Motor insurance services in Oman.
34GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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