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Islamic First FinanceAMM:FFCO 48 Earnings Yield (Joel Greenblatt) % is 14.84% as of Jun. 2026, which is 33% above its 10-year median of 11.14. GuruFocus rates AMM:FFCO with a GF Score™ of 48/100 and a GF Value™ of JOD0.52 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 548 Credit Services companies, Islamic First Finance ranks better than 93.61% on this metric.
Islamic First Finance's Enterprise Value for the quarter that ended in Jun. 2026 was JOD11.90 Mil.
Islamic First Finance's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was JOD1.77 Mil. Islamic First Finance's Earnings Yield (Joel Greenblatt) for the quarter that ended in Jun. 2026 was 14.84%.
The historical rank and industry rank for Islamic First Finance's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
AMM:FFCO'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -6.63 Med: 11.14 Max: 37.49
Current: 14.04
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of Islamic First Finance was 37.49%. The lowest was -6.63%. And the median was 11.14%.
AMM:FFCO's Earnings Yield (Joel Greenblatt) % is ranked better than 93.61% of 548
companies
in the Credit Services industry
Industry Median: 1.01
vs AMM:FFCO: 14.04
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Islamic First Finance's Forward Rate of Return (Yacktman) % for the quarter that ended in Jun. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Islamic First Finance (AMM:FFCO) Earnings Yield (Joel Greenblatt) % Explanation
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Islamic First Finance Earnings Yield (Joel Greenblatt) % Related Terms
Islamic First Finance Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for Islamic First Finance's Earnings Yield (Joel Greenblatt) % 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.
Islamic First Finance Earnings Yield (Joel Greenblatt) % Chart
For the Credit Services subindustry, Islamic First Finance's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's Earnings Yield (Joel Greenblatt) % falls into.
Islamic First Finance Earnings Yield (Joel Greenblatt) % Calculation
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Islamic First Finances Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
Islamic First Finance's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was JOD1.77 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 14.84% mean?
Islamic First Finance (AMM:FFCO) has a Earnings Yield (Joel Greenblatt) % of 14.84% as of Jun. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Islamic First Finance and its competitors. This is 33% above median its historical median of 11.14. According to the industry distribution chart, Islamic First Finance ranks #35 out of 548 companies in the Credit Services industry, placing it in the top 6.4%.
Is Islamic First Finance's Earnings Yield (Joel Greenblatt) % too high?
Islamic First Finance's current Earnings Yield (Joel Greenblatt) % of 14.84% is 33% above median its 10-year median of 11.14. The Credit Services industry median Earnings Yield (Joel Greenblatt) % is 1.01. Islamic First Finance's value of 14.84% is 1369.3% above this industry median. Based on the distribution chart, Islamic First Finance ranks #35 out of 548 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 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Islamic First Finance's Earnings Yield (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #35 out of 548 companies for Earnings Yield (Joel Greenblatt) %. This places Islamic First Finance in the top 6% of its industry — outperforming the majority of peers. The industry median Earnings Yield (Joel Greenblatt) % is 1.01. Islamic First Finance's value of 14.84% is 1369.3% above this benchmark. While the company's 10-year median is 11.14 vs. the industry median of 1.01, Islamic First Finance has consistently been above 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 Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 1.01, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current Earnings Yield (Joel Greenblatt) % of 14.84% is 1369.3% above 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current Earnings Yield (Joel Greenblatt) % is 14.84%, which is 33% above median its own 10-year median of 11.14. 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 JOD0.61 — trading 17.3% above its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 14.84%, which is 33% above median its 10-year median of 11.14 and 1369.3% above the Credit Services industry median of 1.01. Islamic First Finance's overall GF Score™ is 48/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current Earnings Yield (Joel Greenblatt) % is 14.84% 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 JOD0.61 is trading 17.3% above its estimated GF Value™ of JOD0.52.
GuruFocus considers Islamic First Finance to be Modestly Overvalued.
Key valuation signals for AMM:FFCO:
Earnings Yield (Joel Greenblatt) %: 14.84% (33% above median its 10-year median of 11.14)
GF Value™: JOD0.52 vs. price of JOD0.61 (17.3% above fair value)
Industry Position: 1369.3% above the Credit Services median (#35 of 548)
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.
48GF Score
Get the complete analysis for AMM:FFCO
Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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