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Islamic First FinanceAMM:FFCO +1.56%51 EV-to-OCF is 2.85 as of Aug. 15, 2026, which is 38% below its 10-year median of 4.58. 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 544 Credit Services companies, Islamic First Finance ranks worse than 56.43% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Islamic First Finance's Enterprise Value is JOD13.91 Mil.
Islamic First Finance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was JOD4.88 Mil. Therefore, Islamic First Finance's EV-to-OCF for today is 2.85.
The historical rank and industry rank for Islamic First Finance's EV-to-OCF or its related term are showing as below:
AMM:FFCO'
s EV-to-OCF Range Over the Past 10 Years
Min: -247.8 Med: 4.58 Max: 188.43
Current: 2.58
During the past 13 years, the highest EV-to-OCF of Islamic First Finance was 188.43. The lowest was -247.80. And the median was 4.58.
AMM:FFCO's EV-to-OCF is ranked worse than 56.43% of 544
companies
in the Credit Services industry
Industry Median: -0.56
vs AMM:FFCO: 2.58
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Islamic First Finance (AMM:FFCO) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Islamic First Finance's PE Ratio (TTM) for today is calculated as:
Islamic First Finance's share price for today is JOD0.65.
Islamic First Finance's Earnings per Share (Diluted) 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 JOD-0.199.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's EV-to-OCF falls into.
Islamic First Finance's current Enterprise Value is JOD13.91 Mil.
Islamic First Finance's Cash Flow from Operations 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 JOD4.88 Mil.
* 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 EV-to-OCF of 2.85 as of Aug. 15, 2026. This is 38% below median its historical median of 4.58. According to the industry distribution chart, Islamic First Finance ranks #307 out of 544 companies in the Credit Services industry, placing it in the top 56.4%.
Is Islamic First Finance's EV-to-OCF too high?
Islamic First Finance's current EV-to-OCF of 2.85 is 38% below median its 10-year median of 4.58. Based on the distribution chart, Islamic First Finance ranks #307 out of 544 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 EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #307 out of 544 companies for EV-to-OCF. This places Islamic First Finance in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Islamic First Finance's current EV-to-OCF is 2.85, which is 38% below median its own 10-year median of 4.58. 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 EV-to-OCF is 2.85, which is 38% below median its 10-year median of 4.58. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current EV-to-OCF is 2.85 as of Aug. 15, 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:
EV-to-OCF: 2.85 (38% below median its 10-year median of 4.58)
GF Value™: JOD0.52 vs. price of JOD0.65 (25% above fair value)
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
Get the complete analysis for AMM:FFCO
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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