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Islamic First FinanceAMM:FFCO -1.54%51 EV-to-FCF is 2.83 as of Aug. 18, 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 270 Credit Services companies, Islamic First Finance ranks better than 84.44% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Islamic First Finance's Enterprise Value is JOD13.58 Mil.
Islamic First Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was JOD4.80 Mil. Therefore, Islamic First Finance's EV-to-FCF for today is 2.83.
The historical rank and industry rank for Islamic First Finance's EV-to-FCF or its related term are showing as below:
AMM:FFCO'
s EV-to-FCF Range Over the Past 10 Years
Min: -244.45 Med: 4.58 Max: 285.68
Current: 2.9
During the past 13 years, the highest EV-to-FCF of Islamic First Finance was 285.68. The lowest was -244.45. And the median was 4.58.
AMM:FFCO's EV-to-FCF is ranked better than 84.44% of 270
companies
in the Credit Services industry
Industry Median: 13.835
vs AMM:FFCO: 2.90
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 JOD0.64.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's EV-to-FCF falls into.
Islamic First Finance's current Enterprise Value is JOD13.58 Mil.
Islamic First Finance's Free Cash Flow 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 JOD4.80 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-FCF of 2.83 as of Aug. 18, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Islamic First Finance and its competitors. This is 38% below median its historical median of 4.58. According to the industry distribution chart, Islamic First Finance ranks #42 out of 270 companies in the Credit Services industry, placing it in the top 15.6%.
Is Islamic First Finance's EV-to-FCF too high?
Islamic First Finance's current EV-to-FCF of 2.83 is 38% below median its 10-year median of 4.58. The Credit Services industry median EV-to-FCF is 13.84. Islamic First Finance's value of 2.83 is 79.5% below this industry median. Based on the distribution chart, Islamic First Finance ranks #42 out of 270 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 EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #42 out of 270 companies for EV-to-FCF. This places Islamic First Finance in the top 16% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 13.84. Islamic First Finance's value of 2.83 is 79.5% below this benchmark. While the company's 10-year median is 4.58 vs. the industry median of 13.84, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.84, based on 270 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current EV-to-FCF of 2.83 is 79.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current EV-to-FCF is 2.83, 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 JOD0.64 — trading 23.1% above its estimated fair value. The current EV-to-FCF is 2.83, which is 38% below median its 10-year median of 4.58 and 79.5% below the Credit Services industry median of 13.84. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current EV-to-FCF is 2.83 as of Aug. 18, 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 JOD0.64 is trading 23.1% 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-FCF: 2.83 (38% below median its 10-year median of 4.58)
GF Value™: JOD0.52 vs. price of JOD0.64 (23.1% above fair value)
Industry Position: 79.5% below the Credit Services median (#42 of 270)
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-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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