Muscat Finance SAOG (MSM:MFCI)

Oman · Delayed Price · Currency is OMR

0.0650

+0.0010 (1.56%)

At close: Oct 29, 2026

Muscat Finance SAOG Financials Overview

Financials in millions OMR. Fiscal year is January - December.

Millions OMR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	5.99	4.41	4.04	3.46	4.62	4.41
Revenue Growth	62.93%	9.21%	16.72%	-25.05%	4.86%	726.45%
Operating Income	2.79	1.4	0.92	0.31	-0.1	1.36
Net Income	2.02	0.86	0.83	0.28	0.55	1.17
Earnings Per Share	0.01	0.00	0.00	0.00	0.00	0.00
EPS Growth	237.62%	3.26%	201.12%	-50.20%	-52.95%	-

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Corporate	-1.57	0.03	1.34	1.89
Un-Allocated Items	0.13	-	-	-
Retail	5.43	3.71	1.83	2.55
Total	4	3.73	3.17	4.45

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	5.32	2.46	2.06	1.75	2.58	0.9
Total Debt	33.32	30.11	34.27	37.55	38.2	43.6
Net Cash (Debt)	-28	-27.65	-32.21	-35.8	-35.63	-42.7
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-0.09	-0.09	-0.10	-0.12	-0.12	-0.14

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	-4.65	-3.75	5.73	5.79	16.52
Capital Expenditures	-	-4.36	-0.63	-2.31	-0.01	-0.03
Free Cash Flow	-	-9.01	-4.38	3.42	5.78	16.49
Free Cash Flow Growth	-	-	-	-40.86%	-64.95%	50.29%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	46.57%	31.75%	22.64%	8.87%	-2.12%	30.90%
Pretax Margin	46.62%	31.75%	22.64%	8.87%	-2.12%	30.90%
Profit Margin	33.68%	19.38%	20.49%	7.94%	11.95%	26.63%
FCF Margin	-	-204.10%	-108.36%	98.73%	125.11%	374.35%

Dividends

Fiscal Year	Current	FY 2025	FY 2024
Period Ending	Oct '26 Oct 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Dividend Per Share	0.002	0.002	0.002
Dividend Per Share Growth	3.09%	3.09%	-
Dividend Yield	2.57%	3.15%	3.77%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.89	19.04	15.95	58.08	36.17	15.19
Forward PE	-	27.50	27.50	8.34	8.34	8.34
P/FCF Ratio	-	-	-	4.67	3.46	1.08
PS Ratio	3.33	3.69	3.27	4.61	4.32	4.04