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Islamic First FinanceAMM:FFCO +1.56%51 Interest Coverage is 388.00 as of Jun. 2026, which is 517% above its 10-year median of 62.93. 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 164 Credit Services companies, Islamic First Finance ranks better than 57.93% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Islamic First Finance's
Operating Income
for the
three
months ended in Jun. 2026 was JOD0.39 Mil. Islamic First Finance's Interest Expense for the
three
months ended in Jun. 2026 was JOD-0.00 Mil.
Islamic First Finance's interest coverage for the quarter that ended in Jun. 2026 was 388.00.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Islamic First Finance has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Islamic First Finance's Interest Coverage or its related term are showing as below:
AMM:FFCO'
s Interest Coverage Range Over the Past 10 Years
Min: 40.08 Med: 62.93 Max: 309.79
Current: 220.75
AMM:FFCO's Interest Coverage is ranked better than 57.93% of 164
companies
in the Credit Services industry
Industry Median: 53.545
vs AMM:FFCO: 220.75
Islamic First Finance (AMM:FFCO) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Islamic First Finance Interest Coverage Related Terms
Islamic First Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Islamic First Finance's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
AMM:FFCO vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Islamic First Finance's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's Interest Coverage falls into.
Islamic First Finance Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 388.00 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Islamic First Finance and its competitors. This is 517% above median its historical median of 62.93. Over the past decade, Islamic First Finance's Interest Coverage has ranged from 40.08 to 309.79. According to the industry distribution chart, Islamic First Finance ranks #69 out of 164 companies in the Credit Services industry, placing it in the top 42.1%.
Is Islamic First Finance's Interest Coverage too high?
Islamic First Finance's current Interest Coverage of 388.00 is 517% above median its 10-year median of 62.93. Over the past 10 years, this metric has ranged from a low of 40.08 to a high of 309.79. The Credit Services industry median Interest Coverage is 53.55. Islamic First Finance's value of 388.00 is 624.6% above this industry median. Based on the distribution chart, Islamic First Finance ranks #69 out of 164 companies in the Credit Services industry, which is above 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #69 out of 164 companies for Interest Coverage. This puts Islamic First Finance in the upper half of its industry. The industry median Interest Coverage is 53.55. Islamic First Finance's value of 388.00 is 624.6% above this benchmark. Historically, Islamic First Finance's own Interest Coverage has ranged from 40.08 to 309.79 over the past decade. While the company's 10-year median is 62.93 vs. the industry median of 53.55, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 53.55, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current Interest Coverage of 388.00 is 624.6% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median Interest Coverage is 53.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current Interest Coverage is 388.00, which is 517% above median its own 10-year median of 62.93. 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 Interest Coverage is 388.00, which is 517% above median its 10-year median of 62.93 and 624.6% above the Credit Services industry median of 53.55. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current Interest Coverage is 388.00 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:
Interest Coverage: 388.00 (517% above median its 10-year median of 62.93)
GF Value™: JOD0.52 vs. price of JOD0.65 (25% above fair value)
Industry Position: 624.6% above the Credit Services median (#69 of 164)
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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Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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