This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Al Omaniya Financial ServicesOG's Median PS Value or its related term are showing as below:
MUS:AOFS'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.4 Med: 0.89 Max: 1.47
Current: 1.11
During the past 13 years, the highest Price to Median PS Value of Al Omaniya Financial ServicesOG was 1.47. The lowest was 0.40. And the median was 0.89.
MUS:AOFS's Price-to-Median-PS-Value is ranked worse than 64.24% of 288
companies
in the Credit Services industry
Industry Median: 0.91
vs MUS:AOFS: 1.11
Al Omaniya Financial ServicesOG (MUS:AOFS) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Al Omaniya Financial ServicesOG's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
0.155
/
0.14
=
1.11
* 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 Median PS Value Related Terms
Al Omaniya Financial ServicesOG Median PS Value 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 Median PS Value Chart
MUS:AOFS vs V, MA, AXP: Median PS Value Comparison
For the Credit Services subindustry, Al Omaniya Financial ServicesOG's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Al Omaniya Financial ServicesOG's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Al Omaniya Financial ServicesOG's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 4.6667.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Al Omaniya Financial ServicesOG's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was ر.ع0.03.
* 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 Median PS Value of ر.ع0.14 as of Jul. 03, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Al Omaniya Financial ServicesOG and its competitors. Over the past decade, Al Omaniya Financial ServicesOG's Median PS Value has ranged from 0.40 to 1.47. According to the industry distribution chart, Al Omaniya Financial ServicesOG ranks #185 out of 288 companies in the Credit Services industry, placing it in the top 64.2%.
Is Al Omaniya Financial ServicesOG's Median PS Value too high?
Al Omaniya Financial ServicesOG's current Median PS Value is ر.ع0.14. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.47. Based on the distribution chart, Al Omaniya Financial ServicesOG ranks #185 out of 288 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 Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Omaniya Financial ServicesOG's Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, Al Omaniya Financial ServicesOG ranks #185 out of 288 companies for Median PS Value. This places Al Omaniya Financial ServicesOG in the lower half of its industry. The industry median Median PS Value is 0.91. Historically, Al Omaniya Financial ServicesOG's own Median PS Value has ranged from 0.40 to 1.47 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.91, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Al Omaniya Financial ServicesOG and its competitors. For the Credit Services industry, the median Median PS Value is 0.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Omaniya Financial ServicesOG's current Median PS Value is ر.ع0.14. 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 Overvalued. The stock's GF Value™ is ر.ع0.14, compared to a current price of ر.ع0.16 — trading 10.7% above its estimated fair value. The current Median PS Value is ر.ع0.14. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Al Omaniya Financial ServicesOG (MUS:AOFS), the current Median PS Value is ر.ع0.14 as of Jul. 03, 2026. 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 overvalued.
The current stock price of ر.ع0.16 is trading 10.7% above its estimated GF Value™ of ر.ع0.14.
GuruFocus considers Al Omaniya Financial ServicesOG to be Modestly Overvalued.
Key valuation signals for MUS:AOFS:
Median PS Value: ر.ع0.14
GF Value™: ر.ع0.14 vs. price of ر.ع0.16 (10.7% above fair value)
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 ServicesOG Business Description
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.
17GF Score
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