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Islamic First FinanceAMM:FFCO +1.56%51 EBITDA Margin % is 65.38% as of Jun. 2026, which is 40% above its 10-year median of 46.78. 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 418 Credit Services companies, Islamic First Finance ranks better than 88.28% on this metric.
Islamic First Finance (AMM:FFCO) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Islamic First Finance EBITDA Margin % Related Terms
Islamic First Finance EBITDA Margin % Historical Data
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The historical data trend for Islamic First Finance's EBITDA Margin % 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.
AMM:FFCO vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Islamic First Finance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's EBITDA Margin % 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 EBITDA Margin % of 65.38% as of Jun. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Islamic First Finance and its competitors. This is 40% above median its historical median of 46.78. Over the past decade, Islamic First Finance's EBITDA Margin % has ranged from 22.81 to 100.00. According to the industry distribution chart, Islamic First Finance ranks #49 out of 418 companies in the Credit Services industry, placing it in the top 11.7%.
Is Islamic First Finance's EBITDA Margin % too high?
Islamic First Finance's current EBITDA Margin % of 65.38% is 40% above median its 10-year median of 46.78. Over the past 10 years, this metric has ranged from a low of 22.81 to a high of 100.00. The Credit Services industry median EBITDA Margin % is 21.35. Islamic First Finance's value of 65.38% is 206.2% above this industry median. Based on the distribution chart, Islamic First Finance ranks #49 out of 418 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #49 out of 418 companies for EBITDA Margin %. This places Islamic First Finance in the top 12% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 21.35. Islamic First Finance's value of 65.38% is 206.2% above this benchmark. Historically, Islamic First Finance's own EBITDA Margin % has ranged from 22.81 to 100.00 over the past decade. While the company's 10-year median is 46.78 vs. the industry median of 21.35, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.35, based on 418 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current EBITDA Margin % of 65.38% is 206.2% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current EBITDA Margin % is 65.38%, which is 40% above median its own 10-year median of 46.78. 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 EBITDA Margin % is 65.38%, which is 40% above median its 10-year median of 46.78 and 206.2% above the Credit Services industry median of 21.35. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current EBITDA Margin % is 65.38% 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:
EBITDA Margin %: 65.38% (40% above median its 10-year median of 46.78)
GF Value™: JOD0.52 vs. price of JOD0.65 (25% above fair value)
Industry Position: 206.2% above the Credit Services median (#49 of 418)
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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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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