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bank muscat SAOG

LSE:BKM
Snowflake Description

Undervalued with excellent balance sheet and pays a dividend.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BKM
LSE
OMR1B
Market Cap
  1. Home
  2. GB
  3. Banks
Company description

bank muscat SAOG provides various commercial and investment banking products and services. The last earnings update was 51 days ago. More info.


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BKM Share Price and Events
7 Day Returns
0%
LSE:BKM
-1.3%
GB Banks
1.2%
GB Market
1 Year Returns
7.6%
LSE:BKM
-9.9%
GB Banks
2.5%
GB Market
BKM Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
bank muscat SAOG (BKM) 0% 2.5% 7.6% 7.6% 13% -19.5%
GB Banks -1.3% 6.6% 5.5% -9.9% 14.8% -12.4%
GB Market 1.2% 5.3% 9.8% 2.5% 16.9% 6.7%
1 Year Return vs Industry and Market
  • BKM outperformed the Banks industry which returned -9.9% over the past year.
  • BKM outperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 2.5% over the past year.
Price Volatility
BKM
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for bank muscat SAOG's competitors could be found in our database.

BKM Value

 Is bank muscat SAOG undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of bank muscat SAOG to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for bank muscat SAOG.

LSE:BKM Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 5 analysts.
= Stable Book Value * Return on Equity
= OMR0.67 * 10%
OMR0.07
Book Value of Equity per Share Weighted future Book Value estimates from 5 analysts. OMR0.67
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:BKM
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.6
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.595 (1 + (1- 15%) (93.56%))
1.046
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.05
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (1.046 * 5.96%)
7.46%

Discounted Cash Flow Calculation for LSE:BKM using Excess Returns Model Model

The calculations below outline how an intrinsic value for bank muscat SAOG is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:BKM Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (10% – 7.46%) * OMR0.67)
OMR0.02
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= OMR0.02 / (7.46% - 1.23%)
OMR0.27
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= OMR0.67 + OMR0.27
OMR0.94
LSE:BKM Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in LSE:BKM represents 10.19888x of MSM:BKMB
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
10.19888x
Value per Share
(Listing Adjusted, USD)
= Value per Share (OMR) x Listing Adjustment Factor
= OMR 0.94 x 10.19888
$9.58
Value per share (USD) From above. $9.58
Current discount Discount to share price of $4.10
= -1 x ($4.10 - $9.58) / $9.58
57.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price bank muscat SAOG is available for.
Intrinsic value
>50%
Share price is $4.1 vs Future cash flow value of $9.58
Current Discount Checks
For bank muscat SAOG to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • bank muscat SAOG's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • bank muscat SAOG's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for bank muscat SAOG's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are bank muscat SAOG's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:BKM PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in OMR OMR0.06
MSM:BKMB Share Price ** MSM (2019-04-25) in OMR OMR0.4
United Kingdom of Great Britain and Northern Ireland Banks Industry PE Ratio Median Figure of 15 Publicly-Listed Banks Companies 9.92x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.3x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of bank muscat SAOG.

LSE:BKM PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= MSM:BKMB Share Price ÷ EPS (both in OMR)

= 0.4 ÷ 0.06

6.87x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • bank muscat SAOG is good value based on earnings compared to the GB Banks industry average.
  • bank muscat SAOG is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does bank muscat SAOG's expected growth come at a high price?
Raw Data
LSE:BKM PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 6.87x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 6 Analysts
4%per year
United Kingdom of Great Britain and Northern Ireland Banks Industry PEG Ratio Median Figure of 14 Publicly-Listed Banks Companies 0.84x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 566 Publicly-Listed Companies 1.5x

*Line of best fit is calculated by linear regression .

LSE:BKM PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 6.87x ÷ 4%

1.7x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • bank muscat SAOG is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on bank muscat SAOG's assets?
Raw Data
LSE:BKM PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in OMR OMR0.62
MSM:BKMB Share Price * MSM (2019-04-25) in OMR OMR0.4
United Kingdom of Great Britain and Northern Ireland Banks Industry PB Ratio Median Figure of 16 Publicly-Listed Banks Companies 0.87x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.52x
LSE:BKM PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= MSM:BKMB Share Price ÷ Book Value per Share (both in OMR)

= 0.4 ÷ 0.62

0.65x

* Primary Listing of bank muscat SAOG.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • bank muscat SAOG is good value based on assets compared to the GB Banks industry average.
X
Value checks
We assess bank muscat SAOG's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. bank muscat SAOG has a total score of 5/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BKM Future Performance

 How is bank muscat SAOG expected to perform in the next 1 to 3 years based on estimates from 6 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
4%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is bank muscat SAOG expected to grow at an attractive rate?
  • bank muscat SAOG's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • bank muscat SAOG's earnings growth is positive but not above the United Kingdom of Great Britain and Northern Ireland market average.
  • bank muscat SAOG's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:BKM Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:BKM Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 6 Analysts 4%
LSE:BKM Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 6 Analysts 8.4%
United Kingdom of Great Britain and Northern Ireland Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.9%
United Kingdom of Great Britain and Northern Ireland Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.5%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:BKM Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below
All numbers in OMR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:BKM Future Estimates Data
Date (Data in OMR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31 218
2022-12-31 579 218 2
2021-12-31 529 207 4
2020-12-31 500 197 6
2019-12-31 470 194 5
LSE:BKM Past Financials Data
Date (Data in OMR Millions) Revenue Cash Flow Net Income *
2018-12-31 403 -403 180
2018-09-30 406 -158 182
2018-06-30 402 -393 183
2018-03-31 394 -222 178
2017-12-31 393 -212 178
2017-09-30 379 -248 171
2017-06-30 375 -174 172
2017-03-31 380 -127 179
2016-12-31 377 60 179
2016-09-30 369 -401 178
2016-06-30 369 -185 177
2016-03-31 368 -299 177

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • bank muscat SAOG's earnings are expected to grow by 4% yearly, however this is not considered high growth (20% yearly).
  • bank muscat SAOG's revenue is expected to grow by 8.4% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:BKM Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below

All data from bank muscat SAOG Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:BKM Future Estimates Data
Date (Data in OMR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31
2022-12-31 0.07 0.08 0.07 2.00
2021-12-31 0.06 0.07 0.06 3.00
2020-12-31 0.06 0.07 0.06 3.00
2019-12-31 0.06 0.06 0.06 2.00
LSE:BKM Past Financials Data
Date (Data in OMR Millions) EPS *
2018-12-31 0.06
2018-09-30 0.06
2018-06-30 0.06
2018-03-31 0.06
2017-12-31 0.06
2017-09-30 0.06
2017-06-30 0.06
2017-03-31 0.06
2016-12-31 0.06
2016-09-30 0.06
2016-06-30 0.06
2016-03-31 0.06

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • bank muscat SAOG is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess bank muscat SAOG's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
bank muscat SAOG has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BKM Past Performance

  How has bank muscat SAOG performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare bank muscat SAOG's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • bank muscat SAOG's year on year earnings growth rate has been positive over the past 5 years.
  • bank muscat SAOG's 1-year earnings growth is less than its 5-year average (1% vs 1.9%)
  • bank muscat SAOG's earnings growth has not exceeded the GB Banks industry average in the past year (1% vs 42.2%).
Earnings and Revenue History
bank muscat SAOG's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from bank muscat SAOG Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:BKM Past Revenue, Cash Flow and Net Income Data
Date (Data in OMR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 403.49 179.84 30.66
2018-09-30 405.66 181.75 29.11
2018-06-30 402.14 182.90 29.06
2018-03-31 394.02 178.33 29.03
2017-12-31 392.69 178.05 28.89
2017-09-30 378.74 171.47 27.98
2017-06-30 374.96 172.29 27.85
2017-03-31 380.38 179.24 27.78
2016-12-31 377.32 179.09 27.73
2016-09-30 369.46 178.08 27.48
2016-06-30 369.47 177.49 27.06
2016-03-31 368.28 176.73 26.57
2015-12-31 366.61 175.45 26.18
2015-09-30 361.83 172.72 25.61
2015-06-30 351.58 166.69 25.45
2015-03-31 349.81 166.76 25.73
2014-12-31 343.50 163.23 25.89
2014-09-30 339.27 176.43 25.06
2014-06-30 336.06 175.45 25.31
2014-03-31 322.42 166.97 25.11
2013-12-31 317.62 152.20 24.84
2013-09-30 315.63 137.54 22.54
2013-06-30 310.58 133.95 22.51
2013-03-31 303.61 130.81 22.63
2012-12-31 295.38 139.25 22.77
2012-09-30 286.25 134.64 23.41
2012-06-30 273.75 128.74 23.54

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • bank muscat SAOG has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • bank muscat SAOG used its assets more efficiently than the GB Banks industry average last year based on Return on Assets.
  • Unable to establish if bank muscat SAOG improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess bank muscat SAOG's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
bank muscat SAOG has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BKM Health

 How is bank muscat SAOG's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of bank muscat SAOG's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from bank muscat SAOG Company Filings, last reported 3 months ago.

LSE:BKM Past Debt and Equity Data
Date (Data in OMR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 1,927.74 1,164.00 2,268.74
2018-09-30 1,892.05 544.42 1,975.57
2018-06-30 1,850.11 544.42 1,800.43
2018-03-31 1,811.43 550.97 1,541.73
2017-12-31 1,818.33 1,225.38 1,773.06
2017-09-30 1,777.18 589.44 1,648.71
2017-06-30 1,726.31 588.95 1,767.18
2017-03-31 1,557.51 550.75 1,609.78
2016-12-31 1,546.74 1,078.47 1,969.57
2016-09-30 1,506.62 613.92 1,951.55
2016-06-30 1,459.15 614.96 4,312.94
2016-03-31 1,413.35 497.03 4,126.83
2015-12-31 1,396.96 844.49 4,010.06
2015-09-30 1,356.10 527.70 1,889.31
2015-06-30 1,314.87 526.53 1,139.98
2015-03-31 1,264.46 526.38 2,184.34
2014-12-31 1,312.07 916.77 1,823.17
2014-09-30 1,280.08 491.28 1,169.41
2014-06-30 1,234.35 492.79 1,045.11
2014-03-31 1,180.66 520.87 767.91
2013-12-31 1,212.29 893.52 1,278.83
2013-09-30 1,158.50 511.50 1,618.34
2013-06-30 1,118.03 516.33 1,889.88
2013-03-31 1,019.46 500.59 1,802.09
2012-12-31 1,056.46 865.24 1,504.16
2012-09-30 1,030.83 343.24 1,388.06
2012-06-30 899.22 390.92 1,324.74
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • bank muscat SAOG has an acceptable proportion of non-loan assets held.
  • bank muscat SAOG's liabilities are made up of primarily low risk sources of funding.
  • Loans at bank muscat SAOG are broadly funded by customer deposits.
  • bank muscat SAOG's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • bank muscat SAOG has a sufficient allowance for bad loans.
  • bank muscat SAOG has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess bank muscat SAOG's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. bank muscat SAOG has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BKM Dividends

 What is bank muscat SAOG's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
8.28%
Current annual income from bank muscat SAOG dividends. Estimated to be 8.81% next year.
If you bought $2,000 of bank muscat SAOG shares you are expected to receive $166 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • bank muscat SAOG's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
  • bank muscat SAOG's dividend is above the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.1%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:BKM Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Banks Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 5%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:BKM Future Dividends Estimate Data
Date (Data in OMR) Dividend per Share (annual) Avg. No. Analysts
2023-12-31
2022-12-31 0.04 2.00
2021-12-31 0.04 3.00
2020-12-31 0.03 5.00
2019-12-31 0.03 5.00
LSE:BKM Past Annualized Dividends Data
Date (Data in OMR) Dividend per share (annual) Avg. Yield (%)
2019-03-05 0.033 8.232
2018-03-19 0.027 7.220
2017-03-20 0.022 6.055
2016-02-28 0.021 5.774
2015-03-19 0.020 4.699
2014-01-29 0.020 3.837
2014-01-28 0.020 3.825
2013-02-28 0.020 4.054
2013-01-29 0.020 4.026
2012-07-25 0.017 3.878
2012-02-27 0.017 3.687
2012-01-16 0.017 3.406
2011-03-02 0.015 3.016
2011-01-16 0.015 2.627
2010-03-21 0.010 1.865

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, bank muscat SAOG has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but bank muscat SAOG only paid a dividend in the past 9 years.
Current Payout to shareholders
What portion of bank muscat SAOG's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.8x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be covered by earnings (1.4x coverage).
X
Income/ dividend checks
We assess bank muscat SAOG's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can bank muscat SAOG afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. bank muscat SAOG has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BKM Management

 What is the CEO of bank muscat SAOG's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Sheikh Bin Khamis Al Hashar
TENURE AS CEO 0.3 years
CEO Bio

Mr. Sheikh Waleed bin Khamis Al Hashar has been Chief Executive Officer of Bank Muscat SAOG since January 1, 2019. Mr. bin Khamis Al Hashar served as Deputy Chief Executive Officer of Bank Muscat SAOG since December 2015 until January 1, 2019. He served as Group General Manager of Corporate Services at BankMuscat SAOG and served as its Assistant General Manager of Corporate Credit, Marketing & Public Sector. His experience over the past 25 years spans Banking as well as the Oil and Gas sectors. Before joining Bank Muscat, he held senior positions in a number of firms in these sectors. He holds a postgraduate diploma in General Management from Harvard Business School. He also holds a BSc and Masters in Business Administration from California State University in Sacramento, USA.

CEO Compensation
  • Insufficient data for Sheikh to compare compensation growth.
  • Insufficient data for Sheikh to establish whether their remuneration is reasonable compared to companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure of the bank muscat SAOG management team in years:

1.5
Average Tenure
  • The average tenure for the bank muscat SAOG management team is less than 2 years, this suggests a new team.
Management Team

Sheikh Bin Khamis Al Hashar

TITLE
Chief Executive Officer
TENURE
0.3 yrs

T. Ganesh

TITLE
Chief Financial Officer

Ahmed Al-Ojaily

TITLE
Group Deputy General Manager of Technology

Aliya Al Balushi

TITLE
Head of Compliance
TENURE
1.5 yrs

Said Al Aufi

TITLE
Group Deputy General Manager - Human Resources

K. Gopakumar

TITLE
Chief Personal Banking Officer

Salim Al Kaabi

TITLE
General Manager of Credit

Thomas Totton

TITLE
Chief Risk Officer
TENURE
1.5 yrs

Abdulla Bin Zahran Al Hinai

TITLE
Chief Wholesale Banking & Strategic Growth Officer

Sulaiman bin Hamed Al Harthy

TITLE
Group Chief Personal Banking Officer
TENURE
3.3 yrs
Board of Directors Tenure

Average tenure of the bank muscat SAOG board of directors in years:

6.9
Average Tenure
  • The tenure for the bank muscat SAOG board of directors is about average.
Board of Directors

Sheikh Khalid Mustahail Ahmed Al Mashani

TITLE
Chairman
COMPENSATION
OMR9K
TENURE
8 yrs

Sulaiman bin bin Hamed Al Yahyai

TITLE
Deputy Chairman of the Board
COMPENSATION
OMR10K
TENURE
7.8 yrs

Ali Mohiuddin Al-Quradaghi

TITLE
Chairman of Shariah Supervisory Board
TENURE
0.3 yrs

Nasser bin Mohammed Al Harthy

TITLE
Director
COMPENSATION
OMR10K
TENURE
12.1 yrs

Hamoud bin Soomar Al Zadjali

TITLE
Director
COMPENSATION
OMR10K
TENURE
18.3 yrs

Sunder George

TITLE
Director
COMPENSATION
OMR9K
TENURE
3.1 yrs

Sheikh Said M. bin Ahmed Al Harthy

TITLE
Director
COMPENSATION
OMR10K
TENURE
7.8 yrs

Sheikh Saud Mustahail Al Mashani

TITLE
Director
COMPENSATION
OMR8K
TENURE
6.1 yrs

Khalid bin bin Humaid Al Shamsi

TITLE
Director
COMPENSATION
OMR10K
TENURE
3.5 yrs

Esam Ishaq

TITLE
Executive Member of Shariah Supervisory Board
TENURE
0.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess bank muscat SAOG's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. bank muscat SAOG has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BKM News

Simply Wall St News

BKM Company Info

Description

bank muscat SAOG provides various commercial and investment banking products and services. The company operates through Corporate, Consumer, Wholesale, International, and Islamic Banking segments. It offers personal banking products, such as savings accounts, children’s accounts, current and salary accounts, fixed deposits, and ladies and youth accounts, as well as saving plans; home, car, educational, marriage, travel, health and beauty, and other personal loans; credit, debit, prepaid, and corporate cards; various personal and business insurance products and services; expat services; and working capital loans, trade finance facilities, contract and supply finance programs, asset finance programs, purchase order finance, receivables finance, and non-financial services, as well as auxiliary services, such as Internet banking and mobile banking. The company also provides corporate banking services, including advances against trust receipts and receivables, bills discounting, term loans, contract finance, global trade services, e-trade finance, import and export finance, invoices financing, structured finance, re-financing facilities and acceptances, import/export letters of credit, guarantees, documentary collection, advice and assistance, and agency services. In addition, it offers project finance; government banking; investment banking services, such as equity and debt funding, structuring, infrastructure advisory, strategic advisory, ratings advisory, and mergers and acquisitions advisory services; treasury and capital market services; and asset management and private equity services. The company operates through a network of 169 branches in the Sultanate of Oman; 1 branch in Riyadh, the Kingdom of Saudi Arabia; and 1 branch in Kuwait, as well as representative offices in Dubai, Singapore, and Iran. bank muscat SAOG was founded in 1982 and is headquartered in Seeb, the Sultanate of Oman.

Details
Name: bank muscat SAOG
BKM
Exchange: LSE
Founded: 1982
OMR3,231,855,864
3,094,783,371
Website: http://www.bankmuscat.com
Address: bank muscat SAOG
Building No. 120/4,
Block No. 311,
Seeb,
Oman
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
MSM BKMB Ordinary Shares Muscat Securities Market OM OMR 07. Feb 1996
OTCPK BMUS.Y SPONS GDR EA 4 REP 1 ORD OMR0.1 144A Pink Sheets LLC US USD 27. Jan 2006
LSE BKM GDR EACH REPR 4 ORD 'REGS' London Stock Exchange GB USD 29. Sep 2005
Number of employees
Current staff
Staff numbers
3,779
bank muscat SAOG employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/25 21:01
End of day share price update: 2019/04/25 00:00
Last estimates confirmation: 2019/04/12
Last earnings filing: 2019/03/05
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.