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Islamic First FinanceAMM:FFCO +1.56%51 Debt-to-Equity is 0.01 as of Jun. 2026, which is 50% below its 10-year median of 0.02. GuruFocus rates AMM:FFCO with a GF Score™ of 51/100 and a GF Value™ of JOD0.52 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 454 Credit Services companies, Islamic First Finance ranks better than 99.78% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Islamic First Finance's Debt-to-Equity or its related term are showing as below:
AMM:FFCO'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.02
Current: 0.01
During the past 13 years, the highest Debt-to-Equity Ratio of Islamic First Finance was 0.02. The lowest was 0.01. And the median was 0.02.
AMM:FFCO's Debt-to-Equity is ranked better than 99.78% of 454
companies
in the Credit Services industry
Industry Median: 1.195
vs AMM:FFCO: 0.01
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Islamic First Finance Debt-to-Equity Related Terms
Islamic First Finance Debt-to-Equity Historical Data
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The historical data trend for Islamic First Finance's Debt-to-Equity 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-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's Debt-to-Equity 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.
Islamic First Finance (AMM:FFCO) has a Debt-to-Equity of 0.01 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Islamic First Finance and its competitors. This is 50% below median its historical median of 0.02. Over the past decade, Islamic First Finance's Debt-to-Equity has ranged from 0.01 to 0.02. According to the industry distribution chart, Islamic First Finance ranks #1 out of 454 companies in the Credit Services industry, placing it in the top 0.2%.
Is Islamic First Finance's Debt-to-Equity too high?
Islamic First Finance's current Debt-to-Equity of 0.01 is 50% below median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.02. The Credit Services industry median Debt-to-Equity is 1.20. Islamic First Finance's value of 0.01 is 99.2% below this industry median. Based on the distribution chart, Islamic First Finance ranks #1 out of 454 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-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #1 out of 454 companies for Debt-to-Equity. This places Islamic First Finance in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 1.20. Islamic First Finance's value of 0.01 is 99.2% below this benchmark. Historically, Islamic First Finance's own Debt-to-Equity has ranged from 0.01 to 0.02 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 1.20, Islamic First Finance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.20, based on 454 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current Debt-to-Equity of 0.01 is 99.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current Debt-to-Equity is 0.01, which is 50% below median its own 10-year median of 0.02. 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 JOD0.52, compared to a current price of JOD0.65 — trading 25% above its estimated fair value. The current Debt-to-Equity is 0.01, which is 50% below median its 10-year median of 0.02 and 99.2% below the Credit Services industry median of 1.20. Islamic First Finance's overall GF Score™ is 51/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current Debt-to-Equity is 0.01 as of Jun. 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 JOD0.65 is trading 25% above its estimated GF Value™ of JOD0.52.
GuruFocus considers Islamic First Finance to be Modestly Overvalued.
Key valuation signals for AMM:FFCO:
Debt-to-Equity: 0.01 (50% below median its 10-year median of 0.02)
GF Value™: JOD0.52 vs. price of JOD0.65 (25% above fair value)
Industry Position: 99.2% below the Credit Services median (#1 of 454)
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
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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