Muscat Insurance CoOGMUS:MCTI 28 Return-on-Tangible-Equity is 9.20% as of Dec. 2025, which is 107% above its 10-year median of 4.44. GuruFocus rates MUS:MCTI with a GF Score™ of 28/100 and a GF Value™ of ر.ع0.40 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 498 Insurance companies, Muscat Insurance CoOG ranks worse than 74.3% 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. Muscat Insurance CoOG's annualized net income for the quarter that ended in Dec. 2025 was ر.ع1.73 Mil. Muscat Insurance CoOG's average shareholder tangible equity for the quarter that ended in Dec. 2025 was ر.ع18.79 Mil. Therefore, Muscat Insurance CoOG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 9.20%.
The historical rank and industry rank for Muscat Insurance CoOG's Return-on-Tangible-Equity or its related term are showing as below:
MUS:MCTI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -4.46 Med: 4.44 Max: 9.04
Current: 6.28
During the past 13 years, Muscat Insurance CoOG's highest Return-on-Tangible-Equity was 9.04%. The lowest was -4.46%. And the median was 4.44%.
MUS:MCTI's Return-on-Tangible-Equity is ranked worse than 74.3% of 498
companies
in the Insurance industry
Industry Median: 13.53
vs MUS:MCTI: 6.28
Muscat Insurance CoOG (MUS:MCTI) Return-on-Tangible-Equity Explanation
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.
Muscat Insurance CoOG Return-on-Tangible-Equity Related Terms
Muscat Insurance CoOG Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Muscat 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.
Muscat Insurance CoOG Return-on-Tangible-Equity Chart
MUS:MCTI vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Muscat 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.
Muscat Insurance CoOG Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Muscat Insurance CoOG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Muscat 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 9.20% mean?
Muscat Insurance CoOG (MUS:MCTI) has a Return-on-Tangible-Equity of 9.20% 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 Muscat Insurance CoOG and its competitors. This is 107% above median its historical median of 4.44. According to the industry distribution chart, Muscat Insurance CoOG ranks #370 out of 498 companies in the Insurance industry, placing it in the top 74.3%.
Is Muscat Insurance CoOG's Return-on-Tangible-Equity too high?
Muscat Insurance CoOG's current Return-on-Tangible-Equity of 9.20% is 107% above median its 10-year median of 4.44. The Insurance industry median Return-on-Tangible-Equity is 13.53. Muscat Insurance CoOG's value of 9.20% is 32% below this industry median. Based on the distribution chart, Muscat Insurance CoOG ranks #370 out of 498 companies in the Insurance industry, which is below the industry midpoint. Overall, Muscat Insurance CoOG has a GF Score™ of 28/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Muscat Insurance CoOG's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Muscat Insurance CoOG ranks #370 out of 498 companies for Return-on-Tangible-Equity. This places Muscat Insurance CoOG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.53. Muscat Insurance CoOG's value of 9.20% is 32% below this benchmark. While the company's 10-year median is 4.44 vs. the industry median of 13.53, Muscat Insurance 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-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.53, based on 498 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. Muscat Insurance CoOG's current Return-on-Tangible-Equity of 9.20% is 32% 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-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 Muscat Insurance CoOG and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muscat Insurance CoOG's current Return-on-Tangible-Equity is 9.20%, which is 107% above median its own 10-year median of 4.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muscat Insurance CoOG stock overvalued right now?
Based on GuruFocus' analysis, Muscat Insurance CoOG (MUS:MCTI) is currently considered Significantly Overvalued. The stock's GF Value™ is ر.ع0.40, compared to a current price of ر.ع0.56 — trading 40% above its estimated fair value. The current Return-on-Tangible-Equity is 9.20%, which is 107% above median its 10-year median of 4.44 and 32% below the Insurance industry median of 13.53. Muscat Insurance CoOG's overall GF Score™ is 28/100 with 1 warning sign 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 Muscat Insurance CoOG (MUS:MCTI), the current Return-on-Tangible-Equity is 9.20% 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 Muscat Insurance CoOG (MUS:MCTI) Overvalued in 2026?
Based on GuruFocus' analysis, Muscat Insurance CoOG stock appears to be overvalued.
The current stock price of ر.ع0.56 is trading 40% above its estimated GF Value™ of ر.ع0.40.
GuruFocus considers Muscat Insurance CoOG to be Significantly Overvalued.
Key valuation signals for MUS:MCTI:
Return-on-Tangible-Equity: 9.20% (107% above median its 10-year median of 4.44)
GF Value™: ر.ع0.40 vs. price of ر.ع0.56 (40% above fair value)
Industry Position: 32% below the Insurance median (#370 of 498)
No single metric tells the full story. See the MUS:MCTI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Muscat Insurance Co SAOG provides a wide range of insurance products and services to corporate, SME, and individual customers. It offers life, health, and all classes of general insurance products, including travel insurance, individual motor insurance, householders insurance, loan insurance, personal accident insurance, property insurance, marine cargo insurance, etc. The company has two reportable segments: General and Life insurance business. The majority of its revenue is generated from the General and Medical insurance business, which includes insurance of motor, fire, marine, engineering, workmen's compensation, general accident, and medical. The Life insurance business relates to the insurance of the life and medical of an individual or company, and the credit life policies.
28GF Score
Get the complete analysis for MUS:MCTI
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MUS:MCTI has been successfully added to your 
