Muscat Finance CoOG (MUS:MFCI) Effective Interest Rate on Debt %: 10.92% (As of Dec. 2025)

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What is Muscat Finance CoOG Effective Interest Rate on Debt %?

Muscat Finance CoOG MUS:MFCI Effective Interest Rate on Debt % is 10.92% as of Dec. 2025. 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 Finance CoOG's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was ر.ع4.07 Mil. Muscat Finance CoOG's average total debt for the quarter that ended in Dec. 2025 was ر.ع37.29 Mil. Therefore, Muscat Finance CoOG's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 10.92%.


Muscat Finance CoOG  (MUS:MFCI) Effective Interest Rate on Debt % Explanation

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


Muscat Finance CoOG Effective Interest Rate on Debt % Related Terms


Muscat Finance CoOG Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Muscat Finance 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 Finance CoOG Effective Interest Rate on Debt % Chart

Muscat Finance 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 6.53 7.47 8.91 8.70 10.92

Muscat Finance CoOG Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 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 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 6.53 7.47 8.91 8.70 10.92

MUS:MFCI vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Muscat Finance 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 Finance CoOG Effective Interest Rate on Debt % vs Credit Services Industry

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

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



Muscat Finance CoOG Effective Interest Rate on Debt % Calculation

Muscat Finance 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  *  -4.073/( (41.389+33.194)/ 2 )
=-1  *  -4.073/37.2915
=10.92 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=41.389 + 0
=41.389

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=33.194 + 0
=33.194

Muscat Finance 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: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -4.073/( (41.389+33.194)/ 2 )
=-1  *  -4.073/37.2915
=10.92 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=41.389 + 0
=41.389

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=33.194 + 0
=33.194

* 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 one times the annual (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 10.92% mean?
Muscat Finance CoOG (MUS:MFCI) has a Effective Interest Rate on Debt % of 10.92% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Muscat Finance CoOG and its competitors.
Is Muscat Finance CoOG's Effective Interest Rate on Debt % too high?
Muscat Finance CoOG's current Effective Interest Rate on Debt % is 10.92%.
How does Muscat Finance CoOG's Effective Interest Rate on Debt % compare to V and MA?
Muscat Finance CoOG's Effective Interest Rate on Debt % of 10.92% 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 Effective Interest Rate on Debt % for a Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services 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 Finance CoOG and its competitors. Muscat Finance CoOG's current Effective Interest Rate on Debt % is 10.92%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muscat Finance CoOG stock overvalued right now?
Based on GuruFocus' analysis, Muscat Finance CoOG (MUS:MFCI) is currently considered Fairly Valued. The stock's GF Value™ is ر.ع0.07, compared to a current price of ر.ع0.06 — trading 8.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 10.92%. 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 Finance CoOG (MUS:MFCI), the current Effective Interest Rate on Debt % is 10.92% 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.

Muscat Finance CoOG Business Description

Address P.O. Box 888, Ruwi, Muscat, OMN, 112
Muscat Finance Co Ltd SAOG operates as a non-banking finance company. The company provides financing of vehicles, equipment, warehouse financing, and plant and machinery to businesses in the form of financial leasing. The company also provides short-term finance in the form of factoring of receivables. The company provides loans to individual customers for purchasing vehicles and consumer durables for their personal use. The company's products include hire purchase financing, equipment leasing, debt factoring, working capital financing, and consumer durable loans. All of the operations of the company are carried out in the Sultanate of Oman.