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Dhofar Insurance CoOGMUS:DICS 37 Return-on-Tangible-Equity is 17.55% as of Dec. 2025, which is 56% above its 10-year median of 11.22. GuruFocus rates MUS:DICS with a GF Score™ of 37/100 and a GF Value™ of ر.ع0.28 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 499 Insurance companies, Dhofar Insurance CoOG ranks worse than 54.31% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Dhofar Insurance CoOG's annualized net income for the quarter that ended in Dec. 2025 was ر.ع7.84 Mil. Dhofar Insurance CoOG's average shareholder tangible equity for the quarter that ended in Dec. 2025 was ر.ع44.64 Mil. Therefore, Dhofar Insurance CoOG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 17.55%.
The historical rank and industry rank for Dhofar Insurance CoOG's Return-on-Tangible-Equity or its related term are showing as below:
MUS:DICS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -33.07 Med: 11.22 Max: 19.58
Current: 12.54
During the past 13 years, Dhofar Insurance CoOG's highest Return-on-Tangible-Equity was 19.58%. The lowest was -33.07%. And the median was 11.22%.
MUS:DICS's Return-on-Tangible-Equity is ranked worse than 54.31% of 499
companies
in the Insurance industry
Industry Median: 13.52
vs MUS:DICS: 12.54
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Dhofar Insurance CoOG Return-on-Tangible-Equity Related Terms
Dhofar Insurance CoOG Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Dhofar Insurance CoOG's Return-on-Tangible-Equity 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.
MUS:DICS vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Dhofar Insurance CoOG's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Dhofar Insurance CoOG Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Dhofar Insurance CoOG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Dhofar Insurance CoOG's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 17.55% mean?
Dhofar Insurance CoOG (MUS:DICS) has a Return-on-Tangible-Equity of 17.55% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Dhofar Insurance CoOG and its competitors. This is 56% above median its historical median of 11.22. According to the industry distribution chart, Dhofar Insurance CoOG ranks #271 out of 499 companies in the Insurance industry, placing it in the top 54.3%.
Is Dhofar Insurance CoOG's Return-on-Tangible-Equity too high?
Dhofar Insurance CoOG's current Return-on-Tangible-Equity of 17.55% is 56% above median its 10-year median of 11.22. The Insurance industry median Return-on-Tangible-Equity is 13.52. Dhofar Insurance CoOG's value of 17.55% is 29.8% above this industry median. Based on the distribution chart, Dhofar Insurance CoOG ranks #271 out of 499 companies in the Insurance industry, which is below the industry midpoint. Overall, Dhofar Insurance CoOG has a GF Score™ of 37/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dhofar Insurance CoOG's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Dhofar Insurance CoOG ranks #271 out of 499 companies for Return-on-Tangible-Equity. This places Dhofar Insurance CoOG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Dhofar Insurance CoOG's value of 17.55% is 29.8% above this benchmark. While the company's 10-year median is 11.22 vs. the industry median of 13.52, Dhofar Insurance CoOG 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dhofar Insurance CoOG's current Return-on-Tangible-Equity of 17.55% is 29.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Dhofar Insurance CoOG and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhofar Insurance CoOG's current Return-on-Tangible-Equity is 17.55%, which is 56% above median its own 10-year median of 11.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhofar Insurance CoOG stock overvalued right now?
Based on GuruFocus' analysis, Dhofar Insurance CoOG (MUS:DICS) is currently considered Modestly Overvalued. The stock's GF Value™ is ر.ع0.28, compared to a current price of ر.ع0.34 — trading 21.4% above its estimated fair value. The current Return-on-Tangible-Equity is 17.55%, which is 56% above median its 10-year median of 11.22 and 29.8% above the Insurance industry median of 13.52. Dhofar Insurance CoOG's overall GF Score™ is 37/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Dhofar Insurance CoOG (MUS:DICS), the current Return-on-Tangible-Equity is 17.55% 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 Dhofar Insurance CoOG (MUS:DICS) Overvalued in 2026?
Based on GuruFocus' analysis, Dhofar Insurance CoOG stock appears to be overvalued.
The current stock price of ر.ع0.34 is trading 21.4% above its estimated GF Value™ of ر.ع0.28.
GuruFocus considers Dhofar Insurance CoOG to be Modestly Overvalued.
Key valuation signals for MUS:DICS:
Return-on-Tangible-Equity: 17.55% (56% above median its 10-year median of 11.22)
GF Value™: ر.ع0.28 vs. price of ر.ع0.34 (21.4% above fair value)
Industry Position: 29.8% above the Insurance median (#271 of 499)
No single metric tells the full story. See the MUS:DICS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhofar Insurance Co SAOG is engaged in undertaking the business of insurance (general and life). Its product portfolio includes Motor Insurance, Life Insurance, Medical Insurance, Travel Insurance, Home Contents Insurance, Property Insurance, Liability Insurance, Marine Insurance, Cyber Insurance, Energy Insurance, Industrial Insurance, Engineering Insurance, Oil and Petrochemical Insurance, Personal Accident Insurance, and Workmen's Compensation Insurance. Its segments include Engineering, Fire Marine cargo, Marine hull, Motor, Miscellaneous, Medical, Group life, and Individual life. It derives the majority of revenue from the provision of Motor insurance services in Oman.
37GF Score
Get the complete analysis for MUS:DICS
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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