National Finance Company SAOG (MSM:NFCI)

MSM:NFCI Statistics

Total Valuation

MSM:NFCI has a market cap or net worth of OMR 85.14 million.

Market Cap	85.14M
Enterprise Value	n/a

Important Dates

The last earnings date was Monday, October 27, 2025.

Earnings Date	Oct 27, 2025
Ex-Dividend Date	Apr 6, 2025

Share Statistics

MSM:NFCI has 608.13 million shares outstanding. The number of shares has decreased by -1.37% in one year.

Current Share Class	608.13M
Shares Outstanding	608.13M
Shares Change (YoY)	-1.37%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	218.71M

Valuation Ratios

The trailing PE ratio is 7.30.

PE Ratio	7.30
Forward PE	n/a
PS Ratio	2.55
PB Ratio	0.58
P/TBV Ratio	0.60
P/FCF Ratio	5.70
P/OCF Ratio	5.34
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.62, with a Debt / Equity ratio of 2.83.

Current Ratio	1.62
Quick Ratio	1.61
Debt / Equity	2.83
Debt / EBITDA	n/a
Debt / FCF	27.99
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.85%.

Return on Equity (ROE)	9.85%
Return on Assets (ROA)	2.26%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	82,390
Profits Per Employee	28,780
Employee Count	385
Asset Turnover	0.05
Inventory Turnover	n/a

Taxes

In the past 12 months, MSM:NFCI has paid 2.53 million in taxes.

Income Tax	2.53M
Effective Tax Rate	14.99%

Stock Price Statistics

The stock price has increased by +12.45% in the last 52 weeks. The beta is 0.05, so MSM:NFCI's price volatility has been lower than the market average.

Beta (5Y)	0.05
52-Week Price Change	+12.45%
50-Day Moving Average	0.13
200-Day Moving Average	0.13
Relative Strength Index (RSI)	65.76
Average Volume (20 Days)	48,827

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, MSM:NFCI had revenue of OMR 33.37 million and earned 11.66 million in profits. Earnings per share was 0.02.

Revenue	33.37M
Gross Profit	33.37M
Operating Income	16.90M
Pretax Income	16.90M
Net Income	11.66M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.02

Balance Sheet

The company has 12.35 million in cash and 418.00 million in debt, giving a net cash position of -405.65 million or -0.67 per share.

Cash & Cash Equivalents	12.35M
Total Debt	418.00M
Net Cash	-405.65M
Net Cash Per Share	-0.67
Equity (Book Value)	147.93M
Book Value Per Share	0.24
Working Capital	253.43M

Cash Flow

In the last 12 months, operating cash flow was 15.95 million and capital expenditures -1.02 million, giving a free cash flow of 14.93 million.

Operating Cash Flow	15.95M
Capital Expenditures	-1.02M
Free Cash Flow	14.93M
FCF Per Share	0.02

Margins

Gross margin is 100.00%, with operating and profit margins of 50.64% and 43.06%.

Gross Margin	100.00%
Operating Margin	50.64%
Pretax Margin	50.65%
Profit Margin	43.06%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	44.75%

Dividends & Yields

This stock pays an annual dividend of 0.01, which amounts to a dividend yield of 8.50%.

Dividend Per Share	0.01
Dividend Yield	8.50%
Dividend Growth (YoY)	39.07%
Years of Dividend Growth	3
Payout Ratio	50.31%
Buyback Yield	1.37%
Shareholder Yield	9.87%
Earnings Yield	13.69%
FCF Yield	17.54%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 6, 2025. It was a forward split with a ratio of 1.06.

Last Split Date	Apr 6, 2025
Split Type	Forward
Split Ratio	1.06

Scores

Altman Z-Score	n/a
Piotroski F-Score	4