How does MFCI's pe Ratio compare to its peers?

MFCI is expensive based on its Price-To-Earnings Ratio (18.2x) compared to the peer average (8.9x).

How does MFCI's pe Ratio compare vs other companies in the Asian Consumer Finance Industry?

MFCI is expensive based on its Price-To-Earnings Ratio (18.2x) compared to the Asian Consumer Finance industry average (13.5x).

What is MFCI's pe Ratio compared to its Fair pe Ratio? This is the expected pe Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate MFCI's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of MFCI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Insufficient data to calculate MFCI's fair value for valuation analysis.

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

Muscat Finance SAOG (MSM:MFCI) - Stock Price, News & Analysis

MFCI Stock Overview

Offers financial services to small and medium businesses, and individuals primarily in the Sultanate of Oman. More details

MFCI fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	5/6
Financial Health	3/6
Dividends	1/6

Rewards

Earnings grew by 201.1% over the past year

Risk Analysis

Debt is not well covered by operating cash flow

Does not have a meaningful market cap (OMR15M)

My Notes

Capture your thoughts, links and company narrative

Muscat Finance SAOG Competitors

Al Omaniya Financial Services SAOG

MSM:AOFS

ر.ع49.2m

Taageer Finance Company SAOG

MSM:TFCI

ر.ع29.3m

National Finance Company SAOG

MSM:NFCI

ر.ع76.3m

United Finance Company SAOG

MSM:UFCI

ر.ع21.0m

Price History & Performance

Summary of share price highs, lows and changes for Muscat Finance SAOG
Historical stock prices
Current Share Price	ر.ع0.049
52 Week High	ر.ع0.058
52 Week Low	ر.ع0.041
Beta	0.31
1 Month Change	4.26%
3 Month Change	11.36%
1 Year Change	8.89%
3 Year Change	-18.33%
5 Year Change	-20.97%
Change since IPO	-44.25%

Recent updates

Shareholder Returns

	MFCI	OM Consumer Finance	OM Market
7D	0%	0.9%	-0.7%
1Y	8.9%	10.7%	-1.2%

Return vs Industry: MFCI underperformed the OM Consumer Finance industry which returned 11.3% over the past year.

Return vs Market: MFCI exceeded the OM Market which returned -1.2% over the past year.

Price Volatility

Is MFCI's price volatile compared to industry and market?
MFCI volatility
MFCI Average Weekly Movement	4.5%
Consumer Finance Industry Average Movement	5.5%
Market Average Movement	4.2%
10% most volatile stocks in OM Market	5.7%
10% least volatile stocks in OM Market	1.9%

Stable Share Price: MFCI has not had significant price volatility in the past 3 months compared to the OM market.

Volatility Over Time: MFCI's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1987	n/a	Rashad Jaffar Al Shaikh	muscatfinance.com

Muscat Finance SAOG offers financial services to small and medium businesses, and individuals primarily in the Sultanate of Oman. The company engages in the instalment financing and leasing of vehicles and other assets, debt factoring, working capital, and receivable financing activities. It also offers car and home improvement loans for individuals; corporate leasing; trade financing; corporate deposits; and business loans.

Muscat Finance SAOG Fundamentals Summary

How do Muscat Finance SAOG's earnings and revenue compare to its market cap?
MFCI fundamental statistics
Market cap	ر.ع15.05m
Earnings (TTM)	ر.ع828.00k
Revenue (TTM)	ر.ع8.09m

18.2x

P/E Ratio

1.9x

P/S Ratio

Is MFCI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MFCI income statement (TTM)
Revenue	ر.ع8.09m
Cost of Revenue	ر.ع7.17m
Gross Profit	ر.ع915.00k
Other Expenses	ر.ع87.00k
Earnings	ر.ع828.00k

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.0027
Gross Margin	11.31%
Net Profit Margin	10.24%
Debt/Equity Ratio	85.6%

How did MFCI perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

69%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/21 10:39
End of Day Share Price	2025/02/20 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Muscat Finance SAOG is covered by 2 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
null null	Gulf Baader Capital Markets S.A.O.C.
Ayisha Zia	U Capital