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Islamic First FinanceAMM:FFCO +1.56%51 3-Year EBITDA Growth Rate is 3.00% as of Jun. 2026, which is 19% below its 10-year median of 3.70. 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 323 Credit Services companies, Islamic First Finance ranks worse than 59.13% on this metric.
During the past 12 months, Islamic First Finance's average EBITDA Per Share Growth Rate was 96.80% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 3.00% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 1.00% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was -14.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Islamic First Finance was 19.30% per year. The lowest was -48.20% per year. And the median was 3.70% per year.
Islamic First Finance (AMM:FFCO) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Islamic First Finance 3-Year EBITDA Growth Rate Related Terms
AMM:FFCO vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Islamic First Finance's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's 3-Year EBITDA Growth Rate falls into.
Islamic First Finance 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 3.00% mean?
Islamic First Finance (AMM:FFCO) has a 3-Year EBITDA Growth Rate of 3.00% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Islamic First Finance and its competitors. This is 19% below median its historical median of 3.70. According to the industry distribution chart, Islamic First Finance ranks #191 out of 323 companies in the Credit Services industry, placing it in the top 59.1%.
Is Islamic First Finance's 3-Year EBITDA Growth Rate too high?
Islamic First Finance's current 3-Year EBITDA Growth Rate of 3.00% is 19% below median its 10-year median of 3.70. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.20. Islamic First Finance's value of 3.00% is 67.4% below this industry median. Based on the distribution chart, Islamic First Finance ranks #191 out of 323 companies in the Credit Services industry, which is below the industry midpoint. 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 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #191 out of 323 companies for 3-Year EBITDA Growth Rate. This places Islamic First Finance in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.20. Islamic First Finance's value of 3.00% is 67.4% below this benchmark. While the company's 10-year median is 3.70 vs. the industry median of 9.20, 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 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.20, based on 323 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current 3-Year EBITDA Growth Rate of 3.00% is 67.4% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Islamic First Finance and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current 3-Year EBITDA Growth Rate is 3.00%, which is 19% below median its own 10-year median of 3.70. 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 3-Year EBITDA Growth Rate is 3.00%, which is 19% below median its 10-year median of 3.70 and 67.4% below the Credit Services industry median of 9.20. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current 3-Year EBITDA Growth Rate is 3.00% 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:
3-Year EBITDA Growth Rate: 3.00% (19% below median its 10-year median of 3.70)
GF Value™: JOD0.52 vs. price of JOD0.65 (25% above fair value)
Industry Position: 67.4% below the Credit Services median (#191 of 323)
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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