Muscat Finance SAOG (MFCI) Earnings Call Transcripts

Muscat Finance SAOG's Latest Earnings Call - April 2, 2026

In the earnings call for the fiscal year ended December 31, 2025, Muscat Finance SAOG reported significant improvements in financial performance, with a notable increase in operating profit by approximately 45% and profit before tax rising by 53%. Revenue reached OMR 11.75 million, up 18% year-over-year, while net profit after tax was OMR 855,000, reflecting a modest 3% increase. Management signaled a focus on growth and efficiency, with plans to enhance market share and manage costs effectively moving forward.

Reported metrics

Guidance from management

Management indicated a focus on growing the volume of loans and improving yield while managing costs effectively. No specific numerical guidance was provided for the upcoming fiscal year.

What management said

So we will be waiting for another minute. If there are no further questions, we will kindly conclude this session. We look forward to seeing you in all of our upcoming discussion sessions in the near future, and you may connect with us to ask any further questions. Thank you.

Okay. So thank you all, and thank you to Mr. Rashad and Mr. Tammar and all who is present today. And we will look forward to seeing you all in our upcoming discussion sessions in the near future. Thank you all again.

What analysts pressed on

Analysts expressed concerns about the increase in expected credit loss provisions and how it may impact future profitability. There were also questions regarding the sustainability of the profit growth and the overall economic environment affecting loan demand.

Main topics on the call

• Strong Profit Growth — Muscat Finance reported a profit before tax of OMR 1.4 million, an increase of 53% from OMR 915,000 in the previous year. Management noted, "The operations of the company has turned into profit, which has made the compan...
• Revenue Increase — Gross income increased by 18% to OMR 11.75 million, up from OMR 9.97 million in 2024. This growth was attributed to improved performance across various financing products.
• Corporate Deposits Surge — Corporate deposits rose significantly by 57% to OMR 38.51 million compared to OMR 24 million in 2024. This increase is a key driver of liquidity and financial stability for the company.
• Provision for Expected Credit Losses — The expected credit loss (ECL) provision increased from OMR 1.886 million to OMR 2.6 million, reflecting a proactive approach to risk management. Management stated, "The ECL has also jumped up by OMR 770,000."

Read the full Muscat Finance SAOG transcript (April 2, 2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 3 Muscat Finance SAOG earnings call transcripts on record, spanning May 1, 2025 to April 2, 2026. Based on this history, Muscat Finance SAOG reports semi-annually. The most recent call on file is dated April 2, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

MFCI

Exchange

MSM

Country

OM

Sector

Financials

Industry

Consumer Finance

Calls on record

3

First call

May 1, 2025

Most recent

April 2, 2026

Reporting cadence

semi-annually