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Muscat Finance CoOGMUS:MFCI 3-Year RORE % is 40.00 as of Dec. 2025. The stock has 1 warning sign investors should review. Among 518 Credit Services companies, Muscat Finance CoOG ranks better than 80.5% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Muscat Finance CoOG's 3-Year RORE % for the quarter that ended in Dec. 2025 was 40.00%.
The industry rank for Muscat Finance CoOG's 3-Year RORE % or its related term are showing as below:
MUS:MFCI's 3-Year RORE % is ranked better than 80.5% of 518
companies
in the Credit Services industry
Industry Median: 8.3
vs MUS:MFCI: 40.00
Muscat Finance CoOG (MUS:MFCI) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Muscat Finance CoOG 3-Year RORE % Related Terms
Muscat Finance CoOG 3-Year RORE % Historical Data
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The historical data trend for Muscat Finance CoOG's 3-Year RORE % 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.
For the Credit Services subindustry, Muscat Finance CoOG's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muscat Finance CoOG's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Muscat Finance CoOG's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Muscat Finance CoOG (MUS:MFCI) has a 3-Year RORE % of 40.00 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Muscat Finance CoOG and its competitors. According to the industry distribution chart, Muscat Finance CoOG ranks #101 out of 518 companies in the Credit Services industry, placing it in the top 19.5%.
Is Muscat Finance CoOG's 3-Year RORE % too high?
Muscat Finance CoOG's current 3-Year RORE % is 40.00. The Credit Services industry median 3-Year RORE % is 8.30. Muscat Finance CoOG's value of 40.00 is 381.9% above this industry median. Based on the distribution chart, Muscat Finance CoOG ranks #101 out of 518 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers.
How does Muscat Finance CoOG's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Muscat Finance CoOG ranks #101 out of 518 companies for 3-Year RORE %. This places Muscat Finance CoOG in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.30. Muscat Finance CoOG's value of 40.00 is 381.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.30, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muscat Finance CoOG's current 3-Year RORE % of 40.00 is 381.9% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Muscat Finance CoOG and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muscat Finance CoOG's current 3-Year RORE % is 40.00. 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 3-Year RORE % is 40.00 and 381.9% above the Credit Services industry median of 8.30. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Muscat Finance CoOG (MUS:MFCI), the current 3-Year RORE % is 40.00 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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