Dhofar Insurance CoOG (MUS:DICS) Cyclically Adjusted Book per Share: ر.ع0.28 (As of Dec. 2025)

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MUS:DICS Dhofar Insurance Co SAOG MUS:DICS
37 GF Score
Price ر.ع0.34
GF Value ر.ع0.27
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Dhofar Insurance CoOG Cyclically Adjusted Book per Share?

Dhofar Insurance CoOG MUS:DICS 37 Cyclically Adjusted Book per Share is ر.ع0.28 as of Dec. 2025. GuruFocus rates MUS:DICS with a GF Score™ of 37/100 and a GF Value™ of ر.ع0.27 (Modestly Overvalued). The stock has 3 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.

Dhofar Insurance CoOG's adjusted book value per share for the three months ended in Dec. 2025 was ر.ع0.413. 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.ع0.28 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Dhofar Insurance CoOG's average Cyclically Adjusted Book Growth Rate was 7.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 8.40% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 9.20% 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 Dhofar Insurance CoOG was 10.10% per year. The lowest was 8.40% per year. And the median was 9.10% per year.

As of today (2026-07-17), Dhofar Insurance CoOG's current stock price is ر.ع0.34. Dhofar Insurance CoOG's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 was ر.ع0.28. Dhofar Insurance CoOG's Cyclically Adjusted PB Ratio of today is 1.21.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Dhofar Insurance CoOG was 1.33. The lowest was 0.71. And the median was 0.91.


Dhofar Insurance CoOG  (MUS:DICS) 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.

Dhofar Insurance CoOG's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=0.34/0.28
=1.21

* 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 Dhofar Insurance CoOG was 1.33. The lowest was 0.71. And the median was 0.91.


Be Aware

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


Dhofar Insurance CoOG Cyclically Adjusted Book per Share Related Terms


Dhofar Insurance CoOG Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Dhofar Insurance CoOG'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.

Dhofar Insurance CoOG Cyclically Adjusted Book per Share Chart

Dhofar Insurance CoOG 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 0.20 0.22 0.24 0.26 0.28

Dhofar Insurance CoOG Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 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 0.26 0.26 0.27 0.27 0.28

MUS:DICS vs BRK.A, AIG, HIG: Cyclically Adjusted Book per Share Comparison

For the Insurance - Diversified subindustry, Dhofar Insurance CoOG'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.


Dhofar Insurance CoOG Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Dhofar Insurance CoOG's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Dhofar Insurance CoOG's Cyclically Adjusted PB Ratio falls into.


MUS:DICS
37GF Score
Dhofar Insurance Co SAOG MUS:DICS
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dhofar Insurance CoOG 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, Dhofar Insurance CoOG's adjusted Book Value per Share data for the three months ended in Dec. 2025 was:

Adj_Book= Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.413/324.0540*324.0540
=0.413

Current CPI (Dec. 2025) = 324.0540.

Dhofar Insurance CoOG Quarterly Data

Book Value per Share CPI Adj_Book
201603 0.171 238.132 0.233
201606 0.159 241.018 0.214
201609 0.137 241.428 0.184
201612 0.088 241.432 0.118
201703 0.100 243.801 0.133
201706 0.084 244.955 0.111
201709 0.082 246.819 0.108
201712 0.082 246.524 0.108
201803 0.087 249.554 0.113
201806 0.200 251.989 0.257
201809 0.253 252.439 0.325
201812 0.194 251.233 0.250
201903 0.202 254.202 0.258
201906 0.208 256.143 0.263
201909 0.215 256.759 0.271
201912 0.219 256.974 0.276
202003 0.230 258.115 0.289
202006 0.240 257.797 0.302
202009 0.248 260.280 0.309
202012 0.255 260.474 0.317
202103 0.254 264.877 0.311
202106 0.263 271.696 0.314
202109 0.274 274.310 0.324
202112 0.269 278.802 0.313
202203 0.262 287.504 0.295
202206 0.261 296.311 0.285
202209 0.266 296.808 0.290
202212 0.266 296.797 0.290
202303 0.284 301.836 0.305
202306 0.313 305.109 0.332
202309 0.321 307.789 0.338
202312 0.335 306.746 0.354
202403 0.348 312.332 0.361
202406 0.351 314.175 0.362
202409 0.341 315.301 0.350
202412 0.388 315.605 0.398
202503 0.347 319.799 0.352
202506 0.358 322.561 0.360
202509 0.361 324.800 0.360
202512 0.413 324.054 0.413

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.ع0.28 mean?
Dhofar Insurance CoOG (MUS:DICS) has a Cyclically Adjusted Book per Share of ر.ع0.28 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 Dhofar Insurance CoOG and its competitors.
Is Dhofar Insurance CoOG's Cyclically Adjusted Book per Share too high?
Dhofar Insurance CoOG's current Cyclically Adjusted Book per Share is ر.ع0.28. Overall, Dhofar Insurance CoOG has a GF Score™ of 37/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dhofar Insurance CoOG's Cyclically Adjusted Book per Share compare to BRK.A and AIG?
Dhofar Insurance CoOG's Cyclically Adjusted Book per Share of ر.ع0.28 can be compared against companies in the Insurance 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 an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance 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 Dhofar Insurance CoOG and its competitors. Dhofar Insurance CoOG's current Cyclically Adjusted Book per Share is ر.ع0.28. 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.ع0.27, compared to a current price of ر.ع0.34 — trading 25.9% above its estimated fair value. The current Cyclically Adjusted Book per Share is ر.ع0.28. Dhofar Insurance CoOG's overall GF Score™ is 37/100 with 3 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 Dhofar Insurance CoOG (MUS:DICS), the current Cyclically Adjusted Book per Share is ر.ع0.28 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 25.9% above its estimated GF Value™ of ر.ع0.27. GuruFocus considers Dhofar Insurance CoOG to be Modestly Overvalued.

Key valuation signals for MUS:DICS:

  • Cyclically Adjusted Book per Share: ر.ع0.28
  • GF Value™: ر.ع0.27 vs. price of ر.ع0.34 (25.9% above fair value)
  • GF Score™: 37/100 with 3 warning signs

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 CoOG Business Description

Address P.O. Box 1002, Ruwi, OMN, 112
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.
37GF Score

Get the complete analysis for MUS:DICS

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

ر.ع0.34
Price
ر.ع0.27
GF Value