Al Omaniya Financial ServicesOG (MUS:AOFS) Dividend Payout Ratio: 0.75 (As of Dec. 2025) — Near Median


MUS:AOFS Al Omaniya Financial Services SAOG MUS:AOFS
17 GF Score
Price ر.ع0.16
GF Value ر.ع0.14
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Al Omaniya Financial ServicesOG Dividend Payout Ratio?

Al Omaniya Financial ServicesOG MUS:AOFS 17 Dividend Payout Ratio is 0.75 as of Dec. 2025, which is 4% below its 10-year median of 0.78. 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 194 Credit Services companies, Al Omaniya Financial ServicesOG ranks worse than 89.69% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Al Omaniya Financial ServicesOG's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.75.

Warning Sign:

If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of Al Omaniya Financial Services SAOG is 0.75, which seems too high.

The historical rank and industry rank for Al Omaniya Financial ServicesOG's Dividend Payout Ratio or its related term are showing as below:

MUS:AOFS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.44   Med: 0.78   Max: 1.4
Current: 0.75

During the past 13 years, the highest Dividend Payout Ratio of Al Omaniya Financial ServicesOG was 1.40. The lowest was 0.44. And the median was 0.78.

MUS:AOFS's Dividend Payout Ratio is ranked worse than
89.69% of 194 companies
in the Credit Services industry
Industry Median: 0.32 vs MUS:AOFS: 0.75

As of today (2026-07-03), the Dividend Yield % of Al Omaniya Financial ServicesOG is 7.10%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Al Omaniya Financial ServicesOG was 20.24%. The lowest was 2.22%. And the median was 5.66%.

Al Omaniya Financial ServicesOG's Dividends per Share for the months ended in Dec. 2025 was ر.ع0.01.

During the past 12 months, Al Omaniya Financial ServicesOG's average Dividends Per Share Growth Rate was 12.50% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 8.70% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 10.00% per year. During the past 10 years, the average Dividends Per Share Growth Rate was -8.50% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Al Omaniya Financial ServicesOG was 135.10% per year. The lowest was -38.30% per year. And the median was 2.30% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Al Omaniya Financial ServicesOG (MUS:AOFS) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Al Omaniya Financial ServicesOG Dividend Payout Ratio Related Terms

Al Omaniya Financial ServicesOG Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Al Omaniya Financial ServicesOG's Dividend Payout Ratio 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.

Al Omaniya Financial ServicesOG Dividend Payout Ratio Chart

Al Omaniya Financial ServicesOG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.44 0.78 0.70 0.73 0.75

Al Omaniya Financial ServicesOG Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio 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 0.44 0.78 0.70 0.73 0.75

MUS:AOFS vs V, MA, AXP: Dividend Payout Ratio Comparison

For the Credit Services subindustry, Al Omaniya Financial ServicesOG's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Al Omaniya Financial ServicesOG's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Al Omaniya Financial ServicesOG's Dividend Payout Ratio falls into.


MUS:AOFS
17GF Score
Al Omaniya Financial Services SAOG MUS:AOFS
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Al Omaniya Financial ServicesOG Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Al Omaniya Financial ServicesOG's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.009/ 0.012
=0.75

Al Omaniya Financial ServicesOG's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0.009/ 0.012
=0.75

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.75 mean?
Al Omaniya Financial ServicesOG (MUS:AOFS) has a Dividend Payout Ratio of 0.75 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Al Omaniya Financial ServicesOG and its competitors. This is near median its historical median of 0.78. Over the past decade, Al Omaniya Financial ServicesOG's Dividend Payout Ratio has ranged from 0.44 to 1.40. According to the industry distribution chart, Al Omaniya Financial ServicesOG ranks #174 out of 194 companies in the Credit Services industry, placing it in the top 89.7%.
Is Al Omaniya Financial ServicesOG's Dividend Payout Ratio too high?
Al Omaniya Financial ServicesOG's current Dividend Payout Ratio of 0.75 is near median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 1.40. The Credit Services industry median Dividend Payout Ratio is 0.32. Al Omaniya Financial ServicesOG's value of 0.75 is 134.4% above this industry median. Based on the distribution chart, Al Omaniya Financial ServicesOG ranks #174 out of 194 companies in the Credit Services industry, which is in the bottom quartile 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 Dividend Payout Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Al Omaniya Financial ServicesOG ranks #174 out of 194 companies for Dividend Payout Ratio. This places Al Omaniya Financial ServicesOG in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Al Omaniya Financial ServicesOG's value of 0.75 is 134.4% above this benchmark. Historically, Al Omaniya Financial ServicesOG's own Dividend Payout Ratio has ranged from 0.44 to 1.40 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Credit Services company?
The median Dividend Payout Ratio among Credit Services companies is 0.32, based on 194 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Omaniya Financial ServicesOG's current Dividend Payout Ratio of 0.75 is 134.4% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Al Omaniya Financial ServicesOG and its competitors. For the Credit Services industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Omaniya Financial ServicesOG's current Dividend Payout Ratio is 0.75, which is near median its own 10-year median of 0.78. 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 Dividend Payout Ratio is 0.75, which is near median its 10-year median of 0.78 and 134.4% above the Credit Services industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Al Omaniya Financial ServicesOG (MUS:AOFS), the current Dividend Payout Ratio is 0.75 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:

  • Dividend Payout Ratio: 0.75 (near median its 10-year median of 0.78)
  • GF Value™: ر.ع0.14 vs. price of ر.ع0.16 (10.7% above fair value)
  • GF Score™: 17/100 with 5 warning signs
  • Industry Position: 134.4% above the Credit Services median (#174 of 194)

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

Address Jibroo, P.O. Box 1087, Muscat, OMN, 114
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

Get the complete analysis for MUS:AOFS

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ر.ع0.16
Price
ر.ع0.14
GF Value