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Islamic First FinanceAMM:FFCO +1.56%51 Equity-to-Asset is 0.93 as of Jun. 2026, which is 9% above its 10-year median of 0.85. 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 551 Credit Services companies, Islamic First Finance ranks better than 90.02% on this metric.
Islamic First Finance (AMM:FFCO) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Islamic First Finance Equity-to-Asset Related Terms
Islamic First Finance Equity-to-Asset Historical Data
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The historical data trend for Islamic First Finance's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Credit Services subindustry, Islamic First Finance's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Islamic First Finance's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.93 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Islamic First Finance and its competitors. This is near median its historical median of 0.85. Over the past decade, Islamic First Finance's Equity-to-Asset has ranged from 0.73 to 0.94. According to the industry distribution chart, Islamic First Finance ranks #55 out of 551 companies in the Credit Services industry, placing it in the top 10%.
Is Islamic First Finance's Equity-to-Asset too high?
Islamic First Finance's current Equity-to-Asset of 0.93 is near median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 0.94. The Credit Services industry median Equity-to-Asset is 0.40. Islamic First Finance's value of 0.93 is 132.5% above this industry median. Based on the distribution chart, Islamic First Finance ranks #55 out of 551 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 Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #55 out of 551 companies for Equity-to-Asset. This places Islamic First Finance in the top 10% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.40. Islamic First Finance's value of 0.93 is 132.5% above this benchmark. Historically, Islamic First Finance's own Equity-to-Asset has ranged from 0.73 to 0.94 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 551 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current Equity-to-Asset of 0.93 is 132.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current Equity-to-Asset is 0.93, which is near median its own 10-year median of 0.85. 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 Equity-to-Asset is 0.93, which is near median its 10-year median of 0.85 and 132.5% above the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current Equity-to-Asset is 0.93 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:
Equity-to-Asset: 0.93 (near median its 10-year median of 0.85)
GF Value™: JOD0.52 vs. price of JOD0.65 (25% above fair value)
Industry Position: 132.5% above the Credit Services median (#55 of 551)
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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