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Dhofar Insurance CoOGMUS:DICS 34 Cash-to-Debt is No Debt (1) as of Dec. 2025, which is 100% below its 10-year median of 3.00. 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 493 Insurance companies, Dhofar Insurance CoOG ranks better than 58.82% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Dhofar Insurance CoOG's cash to debt ratio for the quarter that ended in Dec. 2025 was No Debt (1).
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Dhofar Insurance CoOGcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
(1) Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Dhofar Insurance CoOG's Cash-to-Debt or its related term are showing as below:
MUS:DICS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.66 Med: 3 Max: No Debt
Current: 4.05
During the past 13 years, Dhofar Insurance CoOG's highest Cash to Debt Ratio was No Debt. The lowest was 0.66. And the median was 3.00.
MUS:DICS's Cash-to-Debt is ranked better than 58.82% of 493
companies
in the Insurance industry
Industry Median: 2.05
vs MUS:DICS: 4.05
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Dhofar Insurance CoOG Cash-to-Debt Related Terms
Dhofar Insurance CoOG Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Dhofar Insurance CoOG's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
MUS:DICS vs BRK.A, AIG, HIG: Cash-to-Debt Comparison
For the Insurance - Diversified subindustry, Dhofar Insurance CoOG's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Dhofar Insurance CoOG's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Dhofar Insurance CoOG's Cash-to-Debt falls into.
Dhofar Insurance CoOG's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
Dhofar Insurance CoOG had no debt (1).
Dhofar Insurance CoOG's Cash to Debt Ratio for the quarter that ended in Dec. 2025 is calculated as:
Dhofar Insurance CoOG had no debt (1).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
Dhofar Insurance CoOG (MUS:DICS) has a Cash-to-Debt of No Debt (1) as of Dec. 2025. This is 67% below median its historical median of 3.00. Over the past decade, Dhofar Insurance CoOG's Cash-to-Debt has ranged from 0.66 to 10,000.00. According to the industry distribution chart, Dhofar Insurance CoOG ranks #203 out of 493 companies in the Insurance industry, placing it in the top 41.2%.
Is Dhofar Insurance CoOG's Cash-to-Debt too high?
Dhofar Insurance CoOG's current Cash-to-Debt of No Debt (1) is 67% below median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 10,000.00. Based on the distribution chart, Dhofar Insurance CoOG ranks #203 out of 493 companies in the Insurance industry, which is above the industry midpoint. 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 Cash-to-Debt compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Dhofar Insurance CoOG ranks #203 out of 493 companies for Cash-to-Debt. This puts Dhofar Insurance CoOG in the upper half of its industry. The industry median Cash-to-Debt is 2.05. Historically, Dhofar Insurance CoOG's own Cash-to-Debt has ranged from 0.66 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.05, based on 493 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhofar Insurance CoOG's current Cash-to-Debt is No Debt (1), which is 67% below median its own 10-year median of 3.00. 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 Cash-to-Debt is No Debt (1), which is 67% below median its 10-year median of 3.00. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Dhofar Insurance CoOG (MUS:DICS), the current Cash-to-Debt is No Debt (1) 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:
Cash-to-Debt: No Debt (1) (67% below median its 10-year median of 3.00)
GF Value™: ر.ع0.28 vs. price of ر.ع0.34 (21.4% above fair value)
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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