Al Omaniya Financial ServicesOGMUS:AOFS 17 ROA % is 1.80% as of Dec. 2025, which is 15% above its 10-year median of 1.57. GuruFocus rates MUS:AOFS with a GF Score™ of 17/100 and a GF Value™ of ر.ع0.14 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 545 Credit Services companies, Al Omaniya Financial ServicesOG ranks worse than 51.19% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Al Omaniya Financial ServicesOG's annualizedNet Income for the quarter that ended in Dec. 2025 was ر.ع3.96 Mil.
Al Omaniya Financial ServicesOG's average Total Assets over the quarter that ended in Dec. 2025 was ر.ع219.59 Mil. Therefore, Al Omaniya Financial ServicesOG's annualized ROA % for the quarter that ended in Dec. 2025 was 1.80%.
MUS:AOFS'
s ROA % Range Over the Past 10 Years
Min: 0.68 Med: 1.57 Max: 2.68
Current: 1.8
During the past 13 years, Al Omaniya Financial ServicesOG's highest ROA % was 2.68%. The lowest was 0.68%. And the median was 1.57%.
MUS:AOFS's ROA % is ranked worse than 51.19% of 545
companies
in the Credit Services industry
Industry Median: 1.92
vs MUS:AOFS: 1.80
Al Omaniya Financial ServicesOG (MUS:AOFS) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Al Omaniya Financial ServicesOG ROA % Related Terms
Al Omaniya Financial ServicesOG ROA % 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.
For the Credit Services subindustry, Al Omaniya Financial ServicesOG's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Al Omaniya Financial ServicesOG's ROA % distribution charts can be found below:
* The bar in red indicates where Al Omaniya Financial ServicesOG's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Al Omaniya Financial ServicesOG (MUS:AOFS) has a ROA % of 1.80% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Al Omaniya Financial ServicesOG and its competitors. This is 15% above median its historical median of 1.57. Over the past decade, Al Omaniya Financial ServicesOG's ROA % has ranged from 0.68 to 2.68. According to the industry distribution chart, Al Omaniya Financial ServicesOG ranks #279 out of 545 companies in the Credit Services industry, placing it in the top 51.2%.
Is Al Omaniya Financial ServicesOG's ROA % too high?
Al Omaniya Financial ServicesOG's current ROA % of 1.80% is 15% above median its 10-year median of 1.57. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 2.68. The Credit Services industry median ROA % is 1.92. Al Omaniya Financial ServicesOG's value of 1.80% is 6.3% below this industry median. Based on the distribution chart, Al Omaniya Financial ServicesOG ranks #279 out of 545 companies in the Credit Services industry, which is below the industry midpoint. Overall, Al Omaniya Financial ServicesOG has a GF Score™ of 17/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Omaniya Financial ServicesOG's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Al Omaniya Financial ServicesOG ranks #279 out of 545 companies for ROA %. This places Al Omaniya Financial ServicesOG in the lower half of its industry. The industry median ROA % is 1.92. Al Omaniya Financial ServicesOG's value of 1.80% is 6.3% below this benchmark. Historically, Al Omaniya Financial ServicesOG's own ROA % has ranged from 0.68 to 2.68 over the past decade. While the company's 10-year median is 1.57 vs. the industry median of 1.92, Al Omaniya Financial ServicesOG 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 545 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Omaniya Financial ServicesOG's current ROA % of 1.80% is 6.3% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Al Omaniya Financial ServicesOG and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Omaniya Financial ServicesOG's current ROA % is 1.80%, which is 15% above median its own 10-year median of 1.57. 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 Overvalued. The stock's GF Value™ is ر.ع0.14, compared to a current price of ر.ع0.16 — trading 10.7% above its estimated fair value. The current ROA % is 1.80%, which is 15% above median its 10-year median of 1.57 and 6.3% below the Credit Services industry median of 1.92. Al Omaniya Financial ServicesOG's overall GF Score™ is 17/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Al Omaniya Financial ServicesOG (MUS:AOFS), the current ROA % is 1.80% 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 overvalued.
The current stock price of ر.ع0.16 is trading 10.7% above its estimated GF Value™ of ر.ع0.14.
GuruFocus considers Al Omaniya Financial ServicesOG to be Modestly Overvalued.
Key valuation signals for MUS:AOFS:
ROA %: 1.80% (15% above median its 10-year median of 1.57)
GF Value™: ر.ع0.14 vs. price of ر.ع0.16 (10.7% above fair value)
Industry Position: 6.3% below the Credit Services median (#279 of 545)
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 ServicesOG Business Description
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.
17GF Score
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