What is Al Omaniya Financial ServicesOG Net Margin %?
Al Omaniya Financial ServicesOGMUS:AOFS 17 Net Margin % is 40.45% as of Dec. 2025, which is 28% above its 10-year median of 31.48. GuruFocus rates MUS:AOFS with a GF Score™ of 17/100 and a GF Value™ of ر.ع0.14 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 533 Credit Services companies, Al Omaniya Financial ServicesOG ranks better than 81.05% on this metric.
The historical rank and industry rank for Al Omaniya Financial ServicesOG's Net Margin % or its related term are showing as below:
MUS:AOFS'
s Net Margin % Range Over the Past 10 Years
Min: 14.33 Med: 31.48 Max: 52.66
Current: 40.45
MUS:AOFS's Net Margin % is ranked better than 81.05% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs MUS:AOFS: 40.45
Al Omaniya Financial ServicesOG (MUS:AOFS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Al Omaniya Financial ServicesOG Net Margin % Related Terms
Al Omaniya Financial ServicesOG Net Margin % 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 Net Margin % Chart
For the Credit Services subindustry, Al Omaniya Financial ServicesOG's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Al Omaniya Financial ServicesOG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Al Omaniya Financial ServicesOG's Net Margin % falls into.
* 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 Net Margin % of 40.45% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Al Omaniya Financial ServicesOG and its competitors. This is 28% above median its historical median of 31.48. Over the past decade, Al Omaniya Financial ServicesOG's Net Margin % has ranged from 14.33 to 52.66. According to the industry distribution chart, Al Omaniya Financial ServicesOG ranks #101 out of 533 companies in the Credit Services industry, placing it in the top 18.9%.
Is Al Omaniya Financial ServicesOG's Net Margin % too high?
Al Omaniya Financial ServicesOG's current Net Margin % of 40.45% is 28% above median its 10-year median of 31.48. Over the past 10 years, this metric has ranged from a low of 14.33 to a high of 52.66. The Credit Services industry median Net Margin % is 14.54. Al Omaniya Financial ServicesOG's value of 40.45% is 178.2% above this industry median. Based on the distribution chart, Al Omaniya Financial ServicesOG ranks #101 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Al Omaniya Financial ServicesOG ranks #101 out of 533 companies for Net Margin %. This places Al Omaniya Financial ServicesOG in the top 19% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.54. Al Omaniya Financial ServicesOG's value of 40.45% is 178.2% above this benchmark. Historically, Al Omaniya Financial ServicesOG's own Net Margin % has ranged from 14.33 to 52.66 over the past decade. While the company's 10-year median is 31.48 vs. the industry median of 14.54, Al Omaniya Financial ServicesOG has consistently been above 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Omaniya Financial ServicesOG's current Net Margin % of 40.45% is 178.2% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Al Omaniya Financial ServicesOG and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Omaniya Financial ServicesOG's current Net Margin % is 40.45%, which is 28% above median its own 10-year median of 31.48. 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 Net Margin % is 40.45%, which is 28% above median its 10-year median of 31.48 and 178.2% above the Credit Services industry median of 14.54. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Al Omaniya Financial ServicesOG (MUS:AOFS), the current Net Margin % is 40.45% 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 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:
Net Margin %: 40.45% (28% above median its 10-year median of 31.48)
GF Value™: ر.ع0.14 vs. price of ر.ع0.16 (10.7% above fair value)
Industry Position: 178.2% above the Credit Services median (#101 of 533)
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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