Bank Muscat SAOG (MSM:BKMB)
Oman flag Oman · Delayed Price · Currency is OMR
0.3970
-0.0010 (-0.25%)
At close: Aug 11, 2026

Bank Muscat 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
546.8526.59478.3448.16421.02415.43
Revenue Growth
9.21%10.10%6.73%6.44%1.35%10.63%
Net Income
243.2231.52201.96189.35193.6182.48
Earnings Per Share
0.030.030.030.030.030.02
EPS Growth
12.97%14.64%6.66%-2.20%7.46%15.35%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Corporate Banking
133.59132.32121.88104.3392.33103.09
Consumer Banking
251.56238.29227.77220.06200.78201.6
Wholesale Banking
94.3388.690.589.4187.9781.24
International Banking
35.4536.6112.058.919.372.49
Islamic Banking
31.9630.7726.125.4529.6526.85
Total
546.89526.59478.3448.16420.1415.26

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
2,5661,5651,2851,5591,3582,020
Total Debt
768.32809.83627.61614.871,4601,713
Net Cash (Debt)
1,798755.26657.52944.24-101.98306.96
Net Cash Growth
185.06%14.87%-30.36%---57.46%
Net Cash Per Share
0.240.100.090.13-0.010.04

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
-418.4-291.59-244.48-119.14281.7535.79
Capital Expenditures
-18.76-15.62-23.47-21.88-9.06-15.16
Free Cash Flow
-437.16-307.22-267.95-141.01272.6920.64
Free Cash Flow Growth
----1221.48%-

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
44.48%43.97%42.22%42.25%45.98%43.92%
FCF Margin
-79.95%-58.34%-56.02%-31.46%64.77%4.97%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.0180.0180.0170.0150.0150.014
Dividend Per Share Growth
9.09%9.09%6.45%3.33%4.90%32.41%
Dividend Yield
4.52%5.62%7.26%6.89%6.75%8.12%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.2510.809.3710.4710.669.48
Forward PE
11.349.828.379.3311.759.18
P/FCF Ratio
----7.5783.84
PS Ratio
5.454.753.964.424.904.16