Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Muscat Finance CoOGMUS:MFCI Return-on-Tangible-Asset is 0.78% as of Dec. 2025, which is 3% below its 10-year median of 0.80. The stock has 1 warning sign investors should review. Among 546 Credit Services companies, Muscat Finance CoOG ranks worse than 65.02% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Muscat Finance CoOG's annualizedNet Income for the quarter that ended in Dec. 2025 was ر.ع0.86 Mil. Muscat Finance CoOG's average total tangible assets for the quarter that ended in Dec. 2025 was ر.ع109.78 Mil. Therefore, Muscat Finance CoOG's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.78%.
The historical rank and industry rank for Muscat Finance CoOG's Return-on-Tangible-Asset or its related term are showing as below:
MUS:MFCI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -2.76 Med: 0.8 Max: 3.29
Current: 0.78
During the past 13 years, Muscat Finance CoOG's highest Return-on-Tangible-Asset was 3.29%. The lowest was -2.76%. And the median was 0.80%.
MUS:MFCI's Return-on-Tangible-Asset is ranked worse than 65.02% of 546
companies
in the Credit Services industry
Industry Median: 1.94
vs MUS:MFCI: 0.78
Muscat Finance CoOG (MUS:MFCI) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Muscat Finance CoOG Return-on-Tangible-Asset Related Terms
Muscat Finance CoOG Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Muscat Finance CoOG's Return-on-Tangible-Asset 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.
Muscat Finance CoOG Return-on-Tangible-Asset Chart
MUS:MFCI vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Muscat Finance CoOG's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Muscat Finance CoOG Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muscat Finance CoOG's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Muscat Finance CoOG's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.78% mean?
Muscat Finance CoOG (MUS:MFCI) has a Return-on-Tangible-Asset of 0.78% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Muscat Finance CoOG and its competitors. This is near median its historical median of 0.80. According to the industry distribution chart, Muscat Finance CoOG ranks #355 out of 546 companies in the Credit Services industry, placing it in the top 65%.
Is Muscat Finance CoOG's Return-on-Tangible-Asset too high?
Muscat Finance CoOG's current Return-on-Tangible-Asset of 0.78% is near median its 10-year median of 0.80. The Credit Services industry median Return-on-Tangible-Asset is 1.94. Muscat Finance CoOG's value of 0.78% is 59.8% below this industry median. Based on the distribution chart, Muscat Finance CoOG ranks #355 out of 546 companies in the Credit Services industry, which is below the industry midpoint.
How does Muscat Finance CoOG's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Muscat Finance CoOG ranks #355 out of 546 companies for Return-on-Tangible-Asset. This places Muscat Finance CoOG in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.94. Muscat Finance CoOG's value of 0.78% is 59.8% below this benchmark. While the company's 10-year median is 0.80 vs. the industry median of 1.94, Muscat Finance CoOG has consistently been below 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.94, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muscat Finance CoOG's current Return-on-Tangible-Asset of 0.78% is 59.8% below 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Muscat Finance CoOG and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muscat Finance CoOG's current Return-on-Tangible-Asset is 0.78%, which is near median its own 10-year median of 0.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muscat Finance CoOG stock overvalued right now?
Based on GuruFocus' analysis, Muscat Finance CoOG (MUS:MFCI) is currently considered Fairly Valued. The stock's GF Value™ is ر.ع0.07, compared to a current price of ر.ع0.06 — trading 8.6% below its estimated fair value. The current Return-on-Tangible-Asset is 0.78%, which is near median its 10-year median of 0.80 and 59.8% below the Credit Services industry median of 1.94. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Muscat Finance CoOG (MUS:MFCI), the current Return-on-Tangible-Asset is 0.78% 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.
Muscat Finance Co Ltd SAOG operates as a non-banking finance company. The company provides financing of vehicles, equipment, warehouse financing, and plant and machinery to businesses in the form of financial leasing. The company also provides short-term finance in the form of factoring of receivables. The company provides loans to individual customers for purchasing vehicles and consumer durables for their personal use. The company's products include hire purchase financing, equipment leasing, debt factoring, working capital financing, and consumer durable loans. All of the operations of the company are carried out in the Sultanate of Oman.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MUS:MFCI has been successfully added to your 
