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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Islamic First Finance's Debt-to-EBITDA or its related term are showing as below:
AMM:FFCO'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.39 Med: 0.45 Max: 1.02
Current: 0.44
During the past 13 years, the highest Debt-to-EBITDA Ratio of Islamic First Finance was 1.02. The lowest was 0.39. And the median was 0.45.
AMM:FFCO's Debt-to-EBITDA is ranked better than 92.25% of 284
companies
in the Credit Services industry
Industry Median: 9.3
vs AMM:FFCO: 0.44
Islamic First Finance (AMM:FFCO) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Islamic First Finance Debt-to-EBITDA Related Terms
Islamic First Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Islamic First Finance's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Islamic First Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Islamic First Finance Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Islamic First Finance (AMM:FFCO) has a Debt-to-EBITDA of 0.00 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Islamic First Finance. Over the past decade, Islamic First Finance's Debt-to-EBITDA has ranged from 0.39 to 1.02. According to the industry distribution chart, Islamic First Finance ranks #22 out of 284 companies in the Credit Services industry, placing it in the top 7.7%.
Is Islamic First Finance's Debt-to-EBITDA too high?
Islamic First Finance's current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.02. Based on the distribution chart, Islamic First Finance ranks #22 out of 284 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Islamic First Finance has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Islamic First Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #22 out of 284 companies for Debt-to-EBITDA. This places Islamic First Finance in the top 8% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 9.30. Historically, Islamic First Finance's own Debt-to-EBITDA has ranged from 0.39 to 1.02 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Islamic First Finance. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Islamic First Finance stock overvalued right now?
Based on GuruFocus' analysis, Islamic First Finance (AMM:FFCO) is currently considered Modestly Overvalued. The stock's GF Value™ is JOD0.53, compared to a current price of JOD0.61 — trading 15.1% above its estimated fair value. The current Debt-to-EBITDA is 0.00. Islamic First Finance's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current Debt-to-EBITDA is 0.00 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Islamic First Finance (AMM:FFCO) Overvalued in 2026?
Based on GuruFocus' analysis, Islamic First Finance stock appears to be overvalued.
The current stock price of JOD0.61 is trading 15.1% above its estimated GF Value™ of JOD0.53.
GuruFocus considers Islamic First Finance to be Modestly Overvalued.
Key valuation signals for AMM:FFCO:
Debt-to-EBITDA: 0.00
GF Value™: JOD0.53 vs. price of JOD0.61 (15.1% above fair value)
No single metric tells the full story. See the AMM:FFCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Finance Co is engaged in providing finances. The company provides Direct financing for consumer and durable goods, Real estate financing, Corporate project financing, Financing and leasing of transportation vehicles, equipment, and machinery, and other related activities.
51GF Score
Get the complete analysis for AMM:FFCO
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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