First Insurance Co (AMM:FINS) Effective Interest Rate on Debt %: 0.00% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

AMM:FINS First Insurance Co AMM:FINS
68 GF Score
Price JOD1.21
GF Value JOD1.03
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is First Insurance Co Effective Interest Rate on Debt %?

First Insurance Co AMM:FINS 68 Effective Interest Rate on Debt % is 0.00% as of Mar. 2026. GuruFocus rates AMM:FINS with a GF Score™ of 68/100 and a GF Value™ of JOD1.03 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. First Insurance Co's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was JOD0.00 Mil. First Insurance Co's average total debt for the quarter that ended in Mar. 2026 was JOD0.49 Mil. Therefore, First Insurance Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 0.00%.


First Insurance Co  (AMM:FINS) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


First Insurance Co Effective Interest Rate on Debt % Related Terms


First Insurance Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for First Insurance Co's Effective Interest Rate on Debt % 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.

First Insurance Co Effective Interest Rate on Debt % Chart

First Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 3.21 9.48 4.26

First Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 385.76 0.00

AMM:FINS vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, First Insurance Co's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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.


First Insurance Co Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, First Insurance Co's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where First Insurance Co's Effective Interest Rate on Debt % falls into.


AMM:FINS
68GF Score
First Insurance Co AMM:FINS
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Insurance Co Effective Interest Rate on Debt % Calculation

First Insurance Co's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -0.021/( (0.494+0.491)/ 2 )
=-1  *  -0.021/0.4925
=4.26 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.491 + 0.003
=0.494

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.488 + 0.003
=0.491

First Insurance Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  0/( (0.491+0.491)/ 2 )
=-1  *  0/0.491
=0.00 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.488 + 0.003
=0.491

* 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 Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 0.00% mean?
First Insurance Co (AMM:FINS) has a Effective Interest Rate on Debt % of 0.00% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on First Insurance Co and its competitors.
Is First Insurance Co's Effective Interest Rate on Debt % too high?
First Insurance Co's current Effective Interest Rate on Debt % is 0.00%. Overall, First Insurance Co has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Insurance Co's Effective Interest Rate on Debt % compare to BRK.A and AIG?
First Insurance Co's Effective Interest Rate on Debt % of 0.00% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on First Insurance Co and its competitors. First Insurance Co's current Effective Interest Rate on Debt % 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 First Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, First Insurance Co (AMM:FINS) is currently considered Modestly Overvalued. The stock's GF Value™ is JOD1.03, compared to a current price of JOD1.21 — trading 17.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. First Insurance Co's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For First Insurance Co (AMM:FINS), the current Effective Interest Rate on Debt % 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 First Insurance Co (AMM:FINS) Overvalued in 2026?

Based on GuruFocus' analysis, First Insurance Co stock appears to be overvalued. The current stock price of JOD1.21 is trading 17.5% above its estimated GF Value™ of JOD1.03. GuruFocus considers First Insurance Co to be Modestly Overvalued.

Key valuation signals for AMM:FINS:

  • Effective Interest Rate on Debt %: 0.00%
  • GF Value™: JOD1.03 vs. price of JOD1.21 (17.5% above fair value)
  • GF Score™: 68/100 with 4 warning signs

No single metric tells the full story. See the AMM:FINS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Insurance Co Business Description

Address King Abdullah bin Al Hussein II Street, Building No. 95, P.O. Box 189, Khalda - Dabouq Circle, Near the Medical City, Amman, JOR, 11822
First Insurance Co is a Jordan-based insurance company. It provides insurance on fire, natural hazards, accidents, medical and marine vehicles, cargo during transportation and other damage to properties, a liability of land-based vehicles, general liability, assistance insurance, and others. Its Individual products include motor insurance, medical insurance, life insurance, and travel insurance among others; while corporate products include marine insurance, property insurance, and cash insurance among others.
68GF Score

Get the complete analysis for AMM:FINS

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JOD1.21
Price
JOD1.03
GF Value