Muscat Insurance CoOG (MUS:MCTI) Effective Interest Rate on Debt %: 3,237.50% (As of Dec. 2025)

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MUS:MCTI Muscat Insurance Co SAOG MUS:MCTI
28 GF Score
Price ر.ع0.50
GF Value ر.ع0.40
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Muscat Insurance CoOG Effective Interest Rate on Debt %?

Muscat Insurance CoOG MUS:MCTI 28 Effective Interest Rate on Debt % is 3,237.50% as of Dec. 2025. GuruFocus rates MUS:MCTI with a GF Score™ of 28/100 and a GF Value™ of ر.ع0.40 (Modestly Overvalued). The stock has 1 warning sign investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Muscat Insurance CoOG's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was ر.ع1.04 Mil. Muscat Insurance CoOG's average total debt for the quarter that ended in Dec. 2025 was ر.ع0.03 Mil. Therefore, Muscat Insurance CoOG's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 3,237.50%.


Muscat Insurance CoOG  (MUS:MCTI) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Muscat Insurance CoOG Effective Interest Rate on Debt % Related Terms


Muscat Insurance CoOG Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Muscat Insurance CoOG's Effective Interest Rate on 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.

Muscat Insurance CoOG Effective Interest Rate on Debt % Chart

Muscat Insurance CoOG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 153.70 82.05 5,804.08 5,036.36 4,587.23

Muscat Insurance CoOG Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Effective Interest Rate on Debt % 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 5,664.86 5,756.86 2,576.47 2,912.50 3,237.50

MUS:MCTI vs CB, PGR, TRV: Effective Interest Rate on Debt % Comparison

For the Insurance - Property & Casualty subindustry, Muscat Insurance CoOG's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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.


Muscat Insurance CoOG Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Muscat Insurance CoOG's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Muscat Insurance CoOG's Effective Interest Rate on Debt % falls into.


MUS:MCTI
28GF Score
Muscat Insurance Co SAOG MUS:MCTI
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Muscat Insurance CoOG Effective Interest Rate on Debt % Calculation

Muscat Insurance CoOG's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -1.078/( (0.015+0.032)/ 2 )
=-1  *  -1.078/0.0235
=4,587.23 %

where

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.005 + 0.027
=0.032

Muscat Insurance CoOG's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -1.036/( (0.032+0.032)/ 2 )
=-1  *  -1.036/0.032
=3,237.50 %

where

Total Debt  (Q: Sep. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.001 + 0.031
=0.032

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.005 + 0.027
=0.032

* 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 Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 3,237.50% mean?
Muscat Insurance CoOG (MUS:MCTI) has a Effective Interest Rate on Debt % of 3,237.50% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Muscat Insurance CoOG and its competitors.
Is Muscat Insurance CoOG's Effective Interest Rate on Debt % too high?
Muscat Insurance CoOG's current Effective Interest Rate on Debt % is 3,237.50%. Overall, Muscat Insurance CoOG has a GF Score™ of 28/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Muscat Insurance CoOG's Effective Interest Rate on Debt % compare to CB and PGR?
Muscat Insurance CoOG's Effective Interest Rate on Debt % of 3,237.50% 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 Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Muscat Insurance CoOG and its competitors. Muscat Insurance CoOG's current Effective Interest Rate on Debt % is 3,237.50%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muscat Insurance CoOG stock overvalued right now?
Based on GuruFocus' analysis, Muscat Insurance CoOG (MUS:MCTI) is currently considered Modestly Overvalued. The stock's GF Value™ is ر.ع0.40, compared to a current price of ر.ع0.50 — trading 25.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 3,237.50%. Muscat Insurance CoOG's overall GF Score™ is 28/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Muscat Insurance CoOG (MUS:MCTI), the current Effective Interest Rate on Debt % is 3,237.50% 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 Muscat Insurance CoOG (MUS:MCTI) Overvalued in 2026?

Based on GuruFocus' analysis, Muscat Insurance CoOG stock appears to be overvalued. The current stock price of ر.ع0.50 is trading 25.5% above its estimated GF Value™ of ر.ع0.40. GuruFocus considers Muscat Insurance CoOG to be Modestly Overvalued.

Key valuation signals for MUS:MCTI:

  • Effective Interest Rate on Debt %: 3,237.50%
  • GF Value™: ر.ع0.40 vs. price of ر.ع0.50 (25.5% above fair value)
  • GF Score™: 28/100 with 1 warning sign

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


Muscat Insurance CoOG Business Description

Address Street 281, Way 3501, Al Alam Street, Building No. 233, Al Khuwair, Bousher, Muscat, OMN
Muscat Insurance Co SAOG provides a wide range of insurance products and services to corporate, SME, and individual customers. It offers life, health, and all classes of general insurance products, including travel insurance, individual motor insurance, householders insurance, loan insurance, personal accident insurance, property insurance, marine cargo insurance, etc. The company has two reportable segments: General and Life insurance business. The majority of its revenue is generated from the General and Medical insurance business, which includes insurance of motor, fire, marine, engineering, workmen's compensation, general accident, and medical. The Life insurance business relates to the insurance of the life and medical of an individual or company, and the credit life policies.
28GF Score

Get the complete analysis for MUS:MCTI

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ر.ع0.50
Price
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GF Value