Muscat Finance SAOG (MSM:MFCI)

Muscat Finance SAOG Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	10.72	9.19	8.5	9.03	9.86
Total Interest Expense	4.07	3.57	3.71	3.36	3.92
Net Interest Income	6.65	5.62	4.8	5.67	5.93
Gain (Loss) on Sale of Investments	-	0.08	0.11	-	-
Other Revenue	0.42	0.24	0.18	0.17	0.22
Revenue Before Loan Losses	7.07	5.93	5.08	5.85	6.16
Provision for Loan Losses	2.66	1.89	1.62	1.23	1.75
Revenue	4.41	4.04	3.46	4.62	4.41
Revenue Growth (YoY)	9.21%	16.72%	-25.05%	4.86%	726.45%
Salaries & Employee Benefits	2.26	2.35	2.36	2.26	2.14
Cost of Services Provided	1.15	1.05	1.17	1.38	1.38
Other Operating Expenses	-0.61	-0.48	-0.47	1.02	-0.55
Total Operating Expenses	3.01	3.13	3.16	4.72	3.04
Operating Income	1.4	0.92	0.31	-0.1	1.36
Pretax Income	1.4	0.92	0.31	-0.1	1.36
Income Tax Expense	0.55	0.09	0.03	-0.65	0.19
Net Income	0.86	0.83	0.28	0.55	1.17
Net Income to Common	0.86	0.83	0.28	0.55	1.17
Net Income Growth	3.26%	201.09%	-50.18%	-52.94%	-
Shares Outstanding (Basic)	307	307	307	307	307
Shares Outstanding (Diluted)	307	307	307	307	307
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
EPS Growth	3.26%	201.12%	-50.20%	-52.95%	-
Free Cash Flow	-9.01	-4.38	3.42	5.78	16.49
Free Cash Flow Per Share	-0.03	-0.01	0.01	0.02	0.05
Dividend Per Share	0.002	0.002	-	-	-
Dividend Growth	3.09%	-	-	-	-
Operating Margin	31.75%	22.64%	8.87%	-2.12%	30.90%
Profit Margin	19.38%	20.49%	7.94%	11.95%	26.63%
Free Cash Flow Margin	-204.10%	-108.36%	98.73%	125.11%	374.35%
Effective Tax Rate	38.97%	9.51%	10.42%	-	13.81%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.