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Al Omaniya Financial ServicesOGMUS:AOFS 16 Forward Rate of Return (Yacktman) % is 15.74% as of Dec. 2025, which is 53% below its 10-year median of 33.51. GuruFocus rates MUS:AOFS with a GF Score™ of 16/100 and a GF Value™ of ر.ع0.20 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 397 Credit Services companies, Al Omaniya Financial ServicesOG ranks better than 67.25% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Al Omaniya Financial ServicesOG's forward rate of return for was 15.74%.
The historical rank and industry rank for Al Omaniya Financial ServicesOG's Forward Rate of Return (Yacktman) % or its related term are showing as below:
MUS:AOFS'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -21.26 Med: 33.51 Max: 118.6
Current: 15.04
During the past 13 years, Al Omaniya Financial ServicesOG's highest Forward Rate of Return was 118.60. The lowest was -21.26. And the median was 33.51.
MUS:AOFS's Forward Rate of Return (Yacktman) % is ranked better than 67.25% of 397
companies
in the Credit Services industry
Industry Median: 4.74
vs MUS:AOFS: 15.04
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Al Omaniya Financial ServicesOG (MUS:AOFS) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Al Omaniya Financial ServicesOG Forward Rate of Return (Yacktman) % Related Terms
Al Omaniya Financial ServicesOG Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % Chart
MUS:AOFS vs V, MA, AXP: Forward Rate of Return (Yacktman) % Comparison
For the Credit Services subindustry, Al Omaniya Financial ServicesOG's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Al Omaniya Financial ServicesOG's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Al Omaniya Financial ServicesOG's Forward Rate of Return (Yacktman) % falls into.
Al Omaniya Financial ServicesOG Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 15.74% mean?
Al Omaniya Financial ServicesOG (MUS:AOFS) has a Forward Rate of Return (Yacktman) % of 15.74% as of Dec. 2025. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Al Omaniya Financial ServicesOG and its competitors. This is 53% below median its historical median of 33.51. According to the industry distribution chart, Al Omaniya Financial ServicesOG ranks #130 out of 397 companies in the Credit Services industry, placing it in the top 32.7%.
Is Al Omaniya Financial ServicesOG's Forward Rate of Return (Yacktman) % too high?
Al Omaniya Financial ServicesOG's current Forward Rate of Return (Yacktman) % of 15.74% is 53% below median its 10-year median of 33.51. The Credit Services industry median Forward Rate of Return (Yacktman) % is 4.74. Al Omaniya Financial ServicesOG's value of 15.74% is 232.1% above this industry median. Based on the distribution chart, Al Omaniya Financial ServicesOG ranks #130 out of 397 companies in the Credit Services industry, which is above the industry midpoint. Overall, Al Omaniya Financial ServicesOG has a GF Score™ of 16/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Omaniya Financial ServicesOG's Forward Rate of Return (Yacktman) % compare to V and MA?
According to the Credit Services industry distribution chart, Al Omaniya Financial ServicesOG ranks #130 out of 397 companies for Forward Rate of Return (Yacktman) %. This puts Al Omaniya Financial ServicesOG in the upper half of its industry. The industry median Forward Rate of Return (Yacktman) % is 4.74. Al Omaniya Financial ServicesOG's value of 15.74% is 232.1% above this benchmark. While the company's 10-year median is 33.51 vs. the industry median of 4.74, 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 Forward Rate of Return (Yacktman) % for a Credit Services company?
The median Forward Rate of Return (Yacktman) % among Credit Services companies is 4.74, based on 397 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Omaniya Financial ServicesOG's current Forward Rate of Return (Yacktman) % of 15.74% is 232.1% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Al Omaniya Financial ServicesOG and its competitors. For the Credit Services industry, the median Forward Rate of Return (Yacktman) % is 4.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Omaniya Financial ServicesOG's current Forward Rate of Return (Yacktman) % is 15.74%, which is 53% below median its own 10-year median of 33.51. 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.ع0.20, compared to a current price of ر.ع0.15 — trading 25% below its estimated fair value. The current Forward Rate of Return (Yacktman) % is 15.74%, which is 53% below median its 10-year median of 33.51 and 232.1% above the Credit Services industry median of 4.74. Al Omaniya Financial ServicesOG's overall GF Score™ is 16/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Al Omaniya Financial ServicesOG (MUS:AOFS), the current Forward Rate of Return (Yacktman) % is 15.74% 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 25% below its estimated GF Value™ of ر.ع0.20.
GuruFocus considers Al Omaniya Financial ServicesOG to be Modestly Undervalued.
Key valuation signals for MUS:AOFS:
Forward Rate of Return (Yacktman) %: 15.74% (53% below median its 10-year median of 33.51)
GF Value™: ر.ع0.20 vs. price of ر.ع0.15 (25% below fair value)
Industry Position: 232.1% above the Credit Services median (#130 of 397)
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.
16GF Score
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Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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