Dhofar Insurance CoOG (MUS:DICS) Debt-to-EBITDA : N/A (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 Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Dhofar Insurance CoOG's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was ر.ع0.00 Mil. Dhofar Insurance CoOG's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was ر.ع0.00 Mil. Dhofar Insurance CoOG's annualized EBITDA for the quarter that ended in Dec. 2025 was ر.ع0.00 Mil.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Dhofar Insurance CoOG's Debt-to-EBITDA or its related term are showing as below:

During the past 13 years, the highest Debt-to-EBITDA Ratio of Dhofar Insurance CoOG was 2.13. The lowest was -4.06. And the median was 0.69.

MUS:DICS's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.185
* Ranked among companies with meaningful Debt-to-EBITDA only.

Dhofar Insurance CoOG  (MUS:DICS) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


Dhofar Insurance CoOG Debt-to-EBITDA Related Terms


Dhofar Insurance CoOG Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Dhofar Insurance CoOG's Debt-to-EBITDA 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 Debt-to-EBITDA Chart

Dhofar Insurance CoOG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.19 N/A N/A 0.19 0.00

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
Debt-to-EBITDA 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 N/A N/A N/A N/A N/A

MUS:DICS vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison

For the Insurance - Diversified subindustry, Dhofar Insurance CoOG's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Dhofar Insurance CoOG's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Dhofar Insurance CoOG's Debt-to-EBITDA falls into.


MUS:DICS
37GF Score
Dhofar Insurance Co SAOG MUS:DICS
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dhofar Insurance CoOG Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Dhofar Insurance CoOG's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Dhofar Insurance CoOG's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2025 is calculated as

* 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.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Dec. 2025) EBITDA data.

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:

  • Debt-to-EBITDA: N/A
  • 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

Debt-to-EBITDA 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