Dhofar Insurance CoOG (MUS:DICS) ROE % Adjusted to Book Value: 30.54% (As of Dec. 2025)

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MUS:DICS Dhofar Insurance Co SAOG MUS:DICS
37 GF Score
Price ر.ع0.34
GF Value ر.ع0.27
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Dhofar Insurance CoOG ROE % Adjusted to Book Value?

Dhofar Insurance CoOG MUS:DICS 37 ROE % Adjusted to Book Value is 30.54% as of Dec. 2025. GuruFocus rates MUS:DICS with a GF Score™ of 37/100 and a GF Value™ of ر.ع0.27 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Dhofar Insurance CoOG's ROE % for the quarter that ended in Dec. 2025 was 17.41%. Dhofar Insurance CoOG's PB Ratio for the quarter that ended in Dec. 2025 was 0.57. Dhofar Insurance CoOG's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 30.54%.


Dhofar Insurance CoOG ROE % Adjusted to Book Value Related Terms


Dhofar Insurance CoOG ROE % Adjusted to Book Value Historical Data

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The historical data trend for Dhofar Insurance CoOG's ROE % Adjusted to Book Value 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.

Dhofar Insurance CoOG ROE % Adjusted to Book Value Chart

Dhofar Insurance CoOG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.91 17.99 26.46 18.58 20.47

Dhofar Insurance CoOG Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 30.21 28.18 12.76 13.73 30.54

MUS:DICS vs BRK.A, AIG, HIG: ROE % Adjusted to Book Value Comparison

For the Insurance - Diversified subindustry, Dhofar Insurance CoOG's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, Dhofar Insurance CoOG's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Dhofar Insurance CoOG's ROE % Adjusted to Book Value falls into.


MUS:DICS
37GF Score
Dhofar Insurance Co SAOG MUS:DICS
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dhofar Insurance CoOG ROE % Adjusted to Book Value Calculation

Dhofar Insurance CoOG's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.67% / 0.57
=20.47%

Dhofar Insurance CoOG's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=17.41% / 0.57
=30.54%

* 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.

What does a ROE % Adjusted to Book Value of 30.54% mean?
Dhofar Insurance CoOG (MUS:DICS) has a ROE % Adjusted to Book Value of 30.54% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Dhofar Insurance CoOG and its competitors.
Is Dhofar Insurance CoOG's ROE % Adjusted to Book Value too high?
Dhofar Insurance CoOG's current ROE % Adjusted to Book Value is 30.54%. 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 ROE % Adjusted to Book Value compare to BRK.A and AIG?
Dhofar Insurance CoOG's ROE % Adjusted to Book Value of 30.54% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Dhofar Insurance CoOG and its competitors. Dhofar Insurance CoOG's current ROE % Adjusted to Book Value is 30.54%. 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.ع0.27, compared to a current price of ر.ع0.34 — trading 25.9% above its estimated fair value. The current ROE % Adjusted to Book Value is 30.54%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Dhofar Insurance CoOG (MUS:DICS), the current ROE % Adjusted to Book Value is 30.54% 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 25.9% above its estimated GF Value™ of ر.ع0.27. GuruFocus considers Dhofar Insurance CoOG to be Modestly Overvalued.

Key valuation signals for MUS:DICS:

  • ROE % Adjusted to Book Value: 30.54%
  • GF Value™: ر.ع0.27 vs. price of ر.ع0.34 (25.9% above fair value)
  • GF Score™: 37/100 with 3 warning signs

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 CoOG Business Description

Address P.O. Box 1002, Ruwi, OMN, 112
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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ر.ع0.34
Price
ر.ع0.27
GF Value