Al Omaniya Financial ServicesOG (MUS:AOFS) Cyclically Adjusted Book per Share: ر.ع0.26 (As of Dec. 2025)


MUS:AOFS Al Omaniya Financial Services SAOG MUS:AOFS
17 GF Score
Price ر.ع0.16
GF Value ر.ع0.14
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Al Omaniya Financial ServicesOG Cyclically Adjusted Book per Share?

Al Omaniya Financial ServicesOG MUS:AOFS 17 Cyclically Adjusted Book per Share is ر.ع0.26 as of Dec. 2025. GuruFocus rates MUS:AOFS with a GF Score™ of 17/100 and a GF Value™ of ر.ع0.14 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Al Omaniya Financial ServicesOG's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was ر.ع0.213. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ر.ع0.26 for the trailing ten years ended in Dec. 2025.

During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 2.50% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 4.80% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Al Omaniya Financial ServicesOG was 8.50% per year. The lowest was 0.00% per year. And the median was 4.90% per year.

As of today (2026-07-03), Al Omaniya Financial ServicesOG's current stock price is ر.ع 0.155. Al Omaniya Financial ServicesOG's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was ر.ع0.26. Al Omaniya Financial ServicesOG's Cyclically Adjusted PB Ratio of today is 0.60.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Al Omaniya Financial ServicesOG was 1.63. The lowest was 0.29. And the median was 0.62.


Al Omaniya Financial ServicesOG  (MUS:AOFS) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Al Omaniya Financial ServicesOG's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=0.155/0.26
=0.60

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Al Omaniya Financial ServicesOG was 1.63. The lowest was 0.29. And the median was 0.62.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Al Omaniya Financial ServicesOG Cyclically Adjusted Book per Share Related Terms


Al Omaniya Financial ServicesOG Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Al Omaniya Financial ServicesOG's Cyclically Adjusted Book per Share 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.

Al Omaniya Financial ServicesOG Cyclically Adjusted Book per Share Chart

Al Omaniya Financial ServicesOG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.24 0.26 0.26 0.26 0.26

Al Omaniya Financial ServicesOG Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.24 0.26 0.26 0.26 0.26

MUS:AOFS vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Al Omaniya Financial ServicesOG's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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.


Al Omaniya Financial ServicesOG Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Al Omaniya Financial ServicesOG's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Al Omaniya Financial ServicesOG's Cyclically Adjusted PB Ratio falls into.


MUS:AOFS
17GF Score
Al Omaniya Financial Services SAOG MUS:AOFS
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Al Omaniya Financial ServicesOG Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Al Omaniya Financial ServicesOG's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_Book=Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.213/324.0540*324.0540
=0.213

Current CPI (Dec. 2025) = 324.0540.

Al Omaniya Financial ServicesOG Annual Data

Book Value per Share CPI Adj_Book
201612 0.217 241.432 0.291
201712 0.235 246.524 0.309
201812 0.229 251.233 0.295
201912 0.224 256.974 0.282
202012 0.198 260.474 0.246
202112 0.223 278.802 0.259
202212 0.219 296.797 0.239
202312 0.217 306.746 0.229
202412 0.215 315.605 0.221
202512 0.213 324.054 0.213

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of ر.ع0.26 mean?
Al Omaniya Financial ServicesOG (MUS:AOFS) has a Cyclically Adjusted Book per Share of ر.ع0.26 as of Dec. 2025. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Al Omaniya Financial ServicesOG and its competitors.
Is Al Omaniya Financial ServicesOG's Cyclically Adjusted Book per Share too high?
Al Omaniya Financial ServicesOG's current Cyclically Adjusted Book per Share is ر.ع0.26. Overall, Al Omaniya Financial ServicesOG has a GF Score™ of 17/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Omaniya Financial ServicesOG's Cyclically Adjusted Book per Share compare to V and MA?
Al Omaniya Financial ServicesOG's Cyclically Adjusted Book per Share of ر.ع0.26 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Al Omaniya Financial ServicesOG and its competitors. Al Omaniya Financial ServicesOG's current Cyclically Adjusted Book per Share is ر.ع0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Omaniya Financial ServicesOG stock overvalued right now?
Based on GuruFocus' analysis, Al Omaniya Financial ServicesOG (MUS:AOFS) is currently considered Modestly Overvalued. The stock's GF Value™ is ر.ع0.14, compared to a current price of ر.ع0.16 — trading 10.7% above its estimated fair value. The current Cyclically Adjusted Book per Share is ر.ع0.26. Al Omaniya Financial ServicesOG's overall GF Score™ is 17/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Al Omaniya Financial ServicesOG (MUS:AOFS), the current Cyclically Adjusted Book per Share is ر.ع0.26 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 Al Omaniya Financial ServicesOG (MUS:AOFS) Overvalued in 2026?

Based on GuruFocus' analysis, Al Omaniya Financial ServicesOG stock appears to be overvalued. The current stock price of ر.ع0.16 is trading 10.7% above its estimated GF Value™ of ر.ع0.14. GuruFocus considers Al Omaniya Financial ServicesOG to be Modestly Overvalued.

Key valuation signals for MUS:AOFS:

  • Cyclically Adjusted Book per Share: ر.ع0.26
  • GF Value™: ر.ع0.14 vs. price of ر.ع0.16 (10.7% above fair value)
  • GF Score™: 17/100 with 5 warning signs

No single metric tells the full story. See the MUS:AOFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Al Omaniya Financial ServicesOG Business Description

Address Jibroo, P.O. Box 1087, Muscat, OMN, 114
Al Omaniya Financial Services SAOG is involved in capital markets that provide Corporate loans, Retail Asset Financing which provides specialized finance products for the self-employed, salaried individuals, transport operators, small and large businesses, and other Micro Credit businesses. The company is also involved in hire purchase and lease finance for motor vehicles and other assets, debt factoring, bill discounting, bridge loans, working capital loans, and project and construction loans.
17GF Score

Get the complete analysis for MUS:AOFS

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ر.ع0.16
Price
ر.ع0.14
GF Value