Bank Dhofar SAOG (MSM:BKDB)
Oman flag Oman · Delayed Price · Currency is OMR
0.2220
+0.0010 (0.45%)
At close: Jul 30, 2026

Bank Dhofar SAOG Financials Overview

Millions OMR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
145.9139.58129.04112.42109.89101.8
Revenue Growth
8.82%8.17%14.78%2.31%7.95%0.78%
Net Income
44.0740.4732.9827.9624.815.75
Earnings Per Share
-0.010.010.010.010.00
EPS Growth
-22.57%21.91%9.11%66.47%-27.13%

Revenue by Segment

Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Treasury and Investments
22.2718.0115.6516.6919.05
Corporate Banking
46.5149.0639.1235.4240.61
Islamic Banking
17.4219.7719.8419.78-
Retail Banking
53.3942.237.8139.2242.14
Total
139.58129.04112.42109.89101.8

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
-319.86333.27269.7281.13306.63
Total Debt
-371.65443.68509.83577.17501.42
Net Cash (Debt)
--51.79-110.41-240.13-296.04-194.79
Net Cash Growth
------
Net Cash Per Share
--0.02-0.04-0.08-0.10-0.06

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
--358.88-169.93-398.33143.24-72.58
Capital Expenditures
--7.54-14.12-8.3-7.04-6.2
Free Cash Flow
--366.42-184.05-406.63136.2-78.78
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
30.20%28.99%25.56%24.87%22.57%15.47%
FCF Margin
--262.51%-142.63%-361.70%123.94%-77.39%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.0070.0070.0070.0080.0050.002
Dividend Per Share Growth
14.50%14.50%-13.82%55.10%145.00%-48.72%
Dividend Yield
3.39%5.27%4.63%5.51%3.36%1.95%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
15.2611.1214.1717.1521.1523.79
Forward PE
11.9512.8713.6114.8817.9712.70
P/FCF Ratio
----3.85-
PS Ratio
4.603.223.624.264.773.68