Muscat Finance CoOGMUS:MFCI Return-on-Tangible-Equity is 2.18% as of Dec. 2025, which is 1% above its 10-year median of 2.16. The stock has 1 warning sign investors should review. Among 524 Credit Services companies, Muscat Finance CoOG ranks worse than 67.75% 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 Finance CoOG's annualized net income for the quarter that ended in Dec. 2025 was ر.ع0.86 Mil. Muscat Finance CoOG's average shareholder tangible equity for the quarter that ended in Dec. 2025 was ر.ع39.23 Mil. Therefore, Muscat Finance CoOG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 2.18%.
The historical rank and industry rank for Muscat Finance CoOG's Return-on-Tangible-Equity or its related term are showing as below:
MUS:MFCI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -9.4 Med: 2.16 Max: 13.86
Current: 2.18
During the past 13 years, Muscat Finance CoOG's highest Return-on-Tangible-Equity was 13.86%. The lowest was -9.40%. And the median was 2.16%.
MUS:MFCI's Return-on-Tangible-Equity is ranked worse than 67.75% of 524
companies
in the Credit Services industry
Industry Median: 7.055
vs MUS:MFCI: 2.18
Muscat Finance CoOG (MUS:MFCI) 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 Finance CoOG Return-on-Tangible-Equity Related Terms
Muscat Finance CoOG Return-on-Tangible-Equity Historical Data
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The historical data trend for Muscat Finance 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 Finance CoOG Return-on-Tangible-Equity Chart
MUS:MFCI vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Muscat Finance 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 Finance CoOG Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muscat Finance CoOG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Muscat Finance 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 one times the annual (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 2.18% mean?
Muscat Finance CoOG (MUS:MFCI) has a Return-on-Tangible-Equity of 2.18% 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 Finance CoOG and its competitors. This is near median its historical median of 2.16. According to the industry distribution chart, Muscat Finance CoOG ranks #355 out of 524 companies in the Credit Services industry, placing it in the top 67.7%.
Is Muscat Finance CoOG's Return-on-Tangible-Equity too high?
Muscat Finance CoOG's current Return-on-Tangible-Equity of 2.18% is near median its 10-year median of 2.16. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Muscat Finance CoOG's value of 2.18% is 69.1% below this industry median. Based on the distribution chart, Muscat Finance CoOG ranks #355 out of 524 companies in the Credit Services industry, which is below the industry midpoint.
How does Muscat Finance CoOG's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Muscat Finance CoOG ranks #355 out of 524 companies for Return-on-Tangible-Equity. This places Muscat Finance CoOG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.06. Muscat Finance CoOG's value of 2.18% is 69.1% below this benchmark. While the company's 10-year median is 2.16 vs. the industry median of 7.06, 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 524 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 Finance CoOG's current Return-on-Tangible-Equity of 2.18% is 69.1% 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 Finance CoOG and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — 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-Equity is 2.18%, which is near median its own 10-year median of 2.16. 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.ع0.07 — trading 4.3% below its estimated fair value. The current Return-on-Tangible-Equity is 2.18%, which is near median its 10-year median of 2.16 and 69.1% below the Credit Services industry median of 7.06. 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 Finance CoOG (MUS:MFCI), the current Return-on-Tangible-Equity is 2.18% 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.
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