Al Omaniya Financial ServicesOGMUS:AOFS 17 Pretax Margin % is 47.22% as of Dec. 2025, which is 27% above its 10-year median of 37.04. 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 78.8% on this metric.
The historical rank and industry rank for Al Omaniya Financial ServicesOG's Pretax Margin % or its related term are showing as below:
MUS:AOFS'
s Pretax Margin % Range Over the Past 10 Years
Min: 13.95 Med: 37.04 Max: 63.53
Current: 47.22
MUS:AOFS's Pretax Margin % is ranked better than 78.8% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs MUS:AOFS: 47.22
Al Omaniya Financial ServicesOG (MUS:AOFS) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Al Omaniya Financial ServicesOG Pretax Margin % Related Terms
Al Omaniya Financial ServicesOG Pretax 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 Pretax Margin % Chart
MUS:AOFS vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Al Omaniya Financial ServicesOG's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Al Omaniya Financial ServicesOG's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Al Omaniya Financial ServicesOG's Pretax 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 Pretax Margin % of 47.22% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Al Omaniya Financial ServicesOG and its competitors. This is 27% above median its historical median of 37.04. Over the past decade, Al Omaniya Financial ServicesOG's Pretax Margin % has ranged from 13.95 to 63.53. According to the industry distribution chart, Al Omaniya Financial ServicesOG ranks #113 out of 533 companies in the Credit Services industry, placing it in the top 21.2%.
Is Al Omaniya Financial ServicesOG's Pretax Margin % too high?
Al Omaniya Financial ServicesOG's current Pretax Margin % of 47.22% is 27% above median its 10-year median of 37.04. Over the past 10 years, this metric has ranged from a low of 13.95 to a high of 63.53. The Credit Services industry median Pretax Margin % is 20.02. Al Omaniya Financial ServicesOG's value of 47.22% is 135.9% above this industry median. Based on the distribution chart, Al Omaniya Financial ServicesOG ranks #113 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 Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Al Omaniya Financial ServicesOG ranks #113 out of 533 companies for Pretax Margin %. This places Al Omaniya Financial ServicesOG in the top 21% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.02. Al Omaniya Financial ServicesOG's value of 47.22% is 135.9% above this benchmark. Historically, Al Omaniya Financial ServicesOG's own Pretax Margin % has ranged from 13.95 to 63.53 over the past decade. While the company's 10-year median is 37.04 vs. the industry median of 20.02, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Omaniya Financial ServicesOG's current Pretax Margin % of 47.22% is 135.9% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Al Omaniya Financial ServicesOG and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Omaniya Financial ServicesOG's current Pretax Margin % is 47.22%, which is 27% above median its own 10-year median of 37.04. 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 Pretax Margin % is 47.22%, which is 27% above median its 10-year median of 37.04 and 135.9% above the Credit Services industry median of 20.02. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Al Omaniya Financial ServicesOG (MUS:AOFS), the current Pretax Margin % is 47.22% 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:
Pretax Margin %: 47.22% (27% above median its 10-year median of 37.04)
GF Value™: ر.ع0.14 vs. price of ر.ع0.16 (10.7% above fair value)
Industry Position: 135.9% above the Credit Services median (#113 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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