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Al Omaniya Financial ServicesOGMUS:AOFS 17 5-Year Yield-on-Cost % is 11.08 as of Jul. 18, 2026, which is 21% above its 10-year median of 9.12. GuruFocus rates MUS:AOFS with a GF Score™ of 17/100 and a GF Value™ of ر.ع0.18 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 210 Credit Services companies, Al Omaniya Financial ServicesOG ranks better than 86.19% on this metric.
The historical rank and industry rank for Al Omaniya Financial ServicesOG's 5-Year Yield-on-Cost % or its related term are showing as below:
MUS:AOFS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.58 Med: 9.12 Max: 32.6
Current: 11.08
During the past 13 years, Al Omaniya Financial ServicesOG's highest Yield on Cost was 32.60. The lowest was 3.58. And the median was 9.12.
MUS:AOFS's 5-Year Yield-on-Cost % is ranked better than 86.19% of 210
companies
in the Credit Services industry
Industry Median: 4.575
vs MUS:AOFS: 11.08
Al Omaniya Financial ServicesOG (MUS:AOFS) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Al Omaniya Financial ServicesOG 5-Year Yield-on-Cost % Related Terms
MUS:AOFS vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Al Omaniya Financial ServicesOG's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Al Omaniya Financial ServicesOG's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Al Omaniya Financial ServicesOG's 5-Year Yield-on-Cost % falls into.
Al Omaniya Financial ServicesOG 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Al Omaniya Financial ServicesOG (MUS:AOFS) has a 5-Year Yield-on-Cost % of 11.08 as of Jul. 18, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Al Omaniya Financial ServicesOG and its competitors. This is 21% above median its historical median of 9.12. Over the past decade, Al Omaniya Financial ServicesOG's 5-Year Yield-on-Cost % has ranged from 3.58 to 32.60. According to the industry distribution chart, Al Omaniya Financial ServicesOG ranks #29 out of 210 companies in the Credit Services industry, placing it in the top 13.8%.
Is Al Omaniya Financial ServicesOG's 5-Year Yield-on-Cost % too high?
Al Omaniya Financial ServicesOG's current 5-Year Yield-on-Cost % of 11.08 is 21% above median its 10-year median of 9.12. Over the past 10 years, this metric has ranged from a low of 3.58 to a high of 32.60. The Credit Services industry median 5-Year Yield-on-Cost % is 4.58. Al Omaniya Financial ServicesOG's value of 11.08 is 142.2% above this industry median. Based on the distribution chart, Al Omaniya Financial ServicesOG ranks #29 out of 210 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Al Omaniya Financial ServicesOG has a GF Score™ of 17/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Omaniya Financial ServicesOG's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Al Omaniya Financial ServicesOG ranks #29 out of 210 companies for 5-Year Yield-on-Cost %. This places Al Omaniya Financial ServicesOG in the top 14% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.58. Al Omaniya Financial ServicesOG's value of 11.08 is 142.2% above this benchmark. Historically, Al Omaniya Financial ServicesOG's own 5-Year Yield-on-Cost % has ranged from 3.58 to 32.60 over the past decade. While the company's 10-year median is 9.12 vs. the industry median of 4.58, Al Omaniya Financial ServicesOG has consistently been above 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.58, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Omaniya Financial ServicesOG's current 5-Year Yield-on-Cost % of 11.08 is 142.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Al Omaniya Financial ServicesOG and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Omaniya Financial ServicesOG's current 5-Year Yield-on-Cost % is 11.08, which is 21% above median its own 10-year median of 9.12. 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 Undervalued. The stock's GF Value™ is ر.ع0.18, compared to a current price of ر.ع0.16 — trading 11.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 11.08, which is 21% above median its 10-year median of 9.12 and 142.2% above the Credit Services industry median of 4.58. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Al Omaniya Financial ServicesOG (MUS:AOFS), the current 5-Year Yield-on-Cost % is 11.08 as of Jul. 18, 2026. 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 undervalued.
The current stock price of ر.ع0.16 is trading 11.1% below its estimated GF Value™ of ر.ع0.18.
GuruFocus considers Al Omaniya Financial ServicesOG to be Modestly Undervalued.
Key valuation signals for MUS:AOFS:
5-Year Yield-on-Cost %: 11.08 (21% above median its 10-year median of 9.12)
GF Value™: ر.ع0.18 vs. price of ر.ع0.16 (11.1% below fair value)
Industry Position: 142.2% above the Credit Services median (#29 of 210)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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