First Finance CoAMM:FFCO -1.67%51 Gross Margin % is 86.59% as of Mar. 2026, which is 5% above its 10-year median of 82.16. GuruFocus rates AMM:FFCO with a GF Score™ of 51/100 and a GF Value™ of JOD0.53 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 387 Credit Services companies, First Finance Co ranks better than 96.38% on this metric.
The historical rank and industry rank for First Finance Co's Gross Margin % or its related term are showing as below:
AMM:FFCO'
s Gross Margin % Range Over the Past 10 Years
Min: 70.76 Med: 82.16 Max: 92.95
Current: 92.95
During the past 13 years, the highestGross Margin % of First Finance Co was 92.95%. The lowest was 70.76%. And the median was 82.16%.
AMM:FFCO's Gross Margin % is ranked better than 96.38% of 387
companies
in the Credit Services industry
Industry Median: 51.88
vs AMM:FFCO: 92.95
First Finance Co had a gross margin of 86.59% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for First Finance Co was 1.30% per year.
First Finance Co (AMM:FFCO) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
First Finance Co had a gross margin of 86.59% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
First Finance Co Gross Margin % Related Terms
First Finance Co Gross Margin % Historical Data
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The historical data trend for First Finance Co's Gross 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.
For the Credit Services subindustry, First Finance Co's Gross Margin %, along with its competitors' market caps and Gross 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.
First Finance Co Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, First Finance Co's Gross Margin % distribution charts can be found below:
* The bar in red indicates where First Finance Co's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
First Finance Co (AMM:FFCO) has a Gross Margin % of 86.59% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on First Finance Co and its competitors. This is near median its historical median of 82.16. Over the past decade, First Finance Co's Gross Margin % has ranged from 70.76 to 92.95. According to the industry distribution chart, First Finance Co ranks #14 out of 387 companies in the Credit Services industry, placing it in the top 3.6%.
Is First Finance Co's Gross Margin % too high?
First Finance Co's current Gross Margin % of 86.59% is near median its 10-year median of 82.16. Over the past 10 years, this metric has ranged from a low of 70.76 to a high of 92.95. The Credit Services industry median Gross Margin % is 51.88. First Finance Co's value of 86.59% is 66.9% above this industry median. Based on the distribution chart, First Finance Co ranks #14 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, First Finance Co has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Finance Co's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, First Finance Co ranks #14 out of 387 companies for Gross Margin %. This places First Finance Co in the top 4% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.88. First Finance Co's value of 86.59% is 66.9% above this benchmark. Historically, First Finance Co's own Gross Margin % has ranged from 70.76 to 92.95 over the past decade. While the company's 10-year median is 82.16 vs. the industry median of 51.88, First Finance Co 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.88, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Finance Co's current Gross Margin % of 86.59% is 66.9% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on First Finance Co and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Finance Co's current Gross Margin % is 86.59%, which is near median its own 10-year median of 82.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Finance Co stock overvalued right now?
Based on GuruFocus' analysis, First Finance Co (AMM:FFCO) is currently considered Modestly Overvalued. The stock's GF Value™ is JOD0.53, compared to a current price of JOD0.59 — trading 11.3% above its estimated fair value. The current Gross Margin % is 86.59%, which is near median its 10-year median of 82.16 and 66.9% above the Credit Services industry median of 51.88. First Finance Co's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For First Finance Co (AMM:FFCO), the current Gross Margin % is 86.59% 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 Finance Co (AMM:FFCO) Overvalued in 2026?
Based on GuruFocus' analysis, First Finance Co stock appears to be overvalued.
The current stock price of JOD0.59 is trading 11.3% above its estimated GF Value™ of JOD0.53.
GuruFocus considers First Finance Co to be Modestly Overvalued.
Key valuation signals for AMM:FFCO:
Gross Margin %: 86.59% (near median its 10-year median of 82.16)
GF Value™: JOD0.53 vs. price of JOD0.59 (11.3% above fair value)
Industry Position: 66.9% above the Credit Services median (#14 of 387)
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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