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Al Omaniya Financial ServicesOGMUS:AOFS 17 Equity-to-Asset is 0.30 as of Dec. 2025, which is at its 10-year median of 0.30. GuruFocus rates MUS:AOFS with a GF Score™ of 17/100 and a GF Value™ of ر.ع0.19 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 551 Credit Services companies, Al Omaniya Financial ServicesOG ranks worse than 57.35% on this metric.
Al Omaniya Financial ServicesOG (MUS:AOFS) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Al Omaniya Financial ServicesOG Equity-to-Asset Related Terms
Al Omaniya Financial ServicesOG Equity-to-Asset Historical Data
* 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 Equity-to-Asset Chart
MUS:AOFS vs V, MA, AXP: Equity-to-Asset Comparison
For the Credit Services subindustry, Al Omaniya Financial ServicesOG's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Al Omaniya Financial ServicesOG's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Al Omaniya Financial ServicesOG's Equity-to-Asset falls into.
Al Omaniya Financial ServicesOG Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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 (MUS:AOFS) has a Equity-to-Asset of 0.30 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Al Omaniya Financial ServicesOG and its competitors. This is near median its historical median of 0.30. Over the past decade, Al Omaniya Financial ServicesOG's Equity-to-Asset has ranged from 0.23 to 0.35. According to the industry distribution chart, Al Omaniya Financial ServicesOG ranks #316 out of 551 companies in the Credit Services industry, placing it in the top 57.4%.
Is Al Omaniya Financial ServicesOG's Equity-to-Asset too high?
Al Omaniya Financial ServicesOG's current Equity-to-Asset of 0.30 is near median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.35. The Credit Services industry median Equity-to-Asset is 0.40. Al Omaniya Financial ServicesOG's value of 0.30 is 25% below this industry median. Based on the distribution chart, Al Omaniya Financial ServicesOG ranks #316 out of 551 companies in the Credit Services industry, which is below the industry midpoint. Overall, Al Omaniya Financial ServicesOG has a GF Score™ of 17/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Omaniya Financial ServicesOG's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Al Omaniya Financial ServicesOG ranks #316 out of 551 companies for Equity-to-Asset. This places Al Omaniya Financial ServicesOG in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Al Omaniya Financial ServicesOG's value of 0.30 is 25% below this benchmark. Historically, Al Omaniya Financial ServicesOG's own Equity-to-Asset has ranged from 0.23 to 0.35 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 0.40, Al Omaniya Financial ServicesOG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 551 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Omaniya Financial ServicesOG's current Equity-to-Asset of 0.30 is 25% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Al Omaniya Financial ServicesOG and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Omaniya Financial ServicesOG's current Equity-to-Asset is 0.30, which is near median its own 10-year median of 0.30. 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 Undervalued. The stock's GF Value™ is ر.ع0.19, compared to a current price of ر.ع0.15 — trading 23.2% below its estimated fair value. The current Equity-to-Asset is 0.30, which is near median its 10-year median of 0.30 and 25% below the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Al Omaniya Financial ServicesOG (MUS:AOFS), the current Equity-to-Asset is 0.30 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 undervalued.
The current stock price of ر.ع0.15 is trading 23.2% below its estimated GF Value™ of ر.ع0.19.
GuruFocus considers Al Omaniya Financial ServicesOG to be Modestly Undervalued.
Key valuation signals for MUS:AOFS:
Equity-to-Asset: 0.30 (near median its 10-year median of 0.30)
GF Value™: ر.ع0.19 vs. price of ر.ع0.15 (23.2% below fair value)
Industry Position: 25% below the Credit Services median (#316 of 551)
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 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.
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