Bindar For Islamic Finance Co (AMM:BIND) Operating Income: JOD4.33 Mil (TTM As of Mar. 2026)

What is Bindar For Islamic Finance Co Operating Income?

Bindar For Islamic Finance Co AMM:BIND 54 Operating Income is JOD4.33 Mil as of Mar. 2026. GuruFocus rates AMM:BIND with a GF Score™ of 54/100 and a GF Value™ of JOD1.86 (Modestly Undervalued). The stock has 5 warning signs investors should review.

Bindar For Islamic Finance Co's Operating Income for the three months ended in Mar. 2026 was JOD1.95 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was JOD4.33 Mil.

Operating Margin % is calculated as Operating Income divided by its Revenue. Bindar For Islamic Finance Co's Operating Income for the three months ended in Mar. 2026 was JOD1.95 Mil. Bindar For Islamic Finance Co's Revenue for the three months ended in Mar. 2026 was JOD5.47 Mil. Therefore, Bindar For Islamic Finance Co's Operating Margin % for the quarter that ended in Mar. 2026 was 35.71%.

Bindar For Islamic Finance Co's 5-Year average Growth Rate for Operating Margin % was 0.00% per year.

Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Bindar For Islamic Finance Co's annualized ROC % for the quarter that ended in Mar. 2026 was 3.28%. Bindar For Islamic Finance Co's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 36.37%.

Bindar For Islamic Finance Co (AMM:BIND) Operating Income Explanation

1. Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Bindar For Islamic Finance Co's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

	ROC % (Q: Mar. 2026 )
=	NOPAT	/	Average Invested Capital
=	Operating Income * ( 1 - Tax Rate % )	/	( (Invested Capital (Q: Dec. 2025 )	+	Invested Capital (Q: Mar. 2026 ))	/ count )
=	7.816 * ( 1 - 28.05% )	/	( (169.419	+	173.577)	/ 2 )
=	5.623612	/	171.498
=	3.28 %

where

	Invested Capital		(Q: Dec. 2025 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	169.885	-	0	-	( 0.466	-	max(0, 0	-	0.466	+	0.466	))
=	169.419

	Invested Capital		(Q: Mar. 2026 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	176.087	-	1.716	-	( 0.794	-	max(0, 41.389	-	46.26	+	0.794	))
=	173.577

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Bindar For Islamic Finance Co's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

	ROC (Joel Greenblatt) %		(Q: Mar. 2026 )
=	EBIT	/	Average of (Net fixed Assets	+	Net Working Capital)
=	EBIT	/	Average of (Property, Plant and Equipment	+	Net Working Capital)
			Q: Dec. 2025		Q: Mar. 2026
=	EBIT	/	( ( (Property, Plant and Equipment + Net Working Capital)	+	(Property, Plant and Equipment + Net Working Capital) )	/	count )
=	7.816	/	( ( (0 + max(0, 0))	+	(1.576 + max(41.403, 0)) )	/	2 )
=	7.816	/	( ( 0	+	42.979 )	/	2 )
=	7.816	/	21.4895
=	36.37 %

where Working Capital is:

	Working Capital		(Q: Dec. 2025 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(0	+	0	+	0)	-	(0	+	0	+	0)
=	0

	Working Capital		(Q: Mar. 2026 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(43.467	+	0	+	2.167)	-	(1.716	+	0	+	2.515)
=	41.403

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. Operating Income is also linked to Operating Margin %:

Bindar For Islamic Finance Co's Operating Margin % for the quarter that ended in Mar. 2026 is calculated as:

Operating Margin %	=	Operating Income (Q: Mar. 2026 )	/	Revenue (Q: Mar. 2026 )
	=	1.954	/	5.472
	=	35.71 %

* 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.

4. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Operating Income growth rate using Operating Income per share data.

Be Aware

Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.

Bindar For Islamic Finance Co Operating Income Related Terms

Bindar For Islamic Finance Co Operating Income Historical Data

* Premium members only.

The historical data trend for Bindar For Islamic Finance Co's Operating Income can be seen below:

Bindar For Islamic Finance Co Operating Income Chart

Bindar For Islamic Finance Co Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Operating Income

Get a 7-Day Free Trial

4.64

6.33

7.04

0.00

Bindar For Islamic Finance Co Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Operating Income	Get a 7-Day Free Trial															1.86	0.00	2.37	0.00	1.95

54GF Score

Bindar For Islamic Finance Co AMM:BIND

Operating Income is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Bindar For Islamic Finance Co Operating Income Calculation

Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.

Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was JOD4.33 Mil.

Frequently Asked Questions Learn more about Operating Income →

What does a Operating Income of JOD4.33 Mil mean?

Bindar For Islamic Finance Co (AMM:BIND) has a Operating Income of JOD4.33 Mil as of Mar. 2026. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on Bindar For Islamic Finance Co and its competitors.

Is Bindar For Islamic Finance Co's Operating Income too high?

Bindar For Islamic Finance Co's current Operating Income is JOD4.33 Mil. Overall, Bindar For Islamic Finance Co has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Bindar For Islamic Finance Co's Operating Income compare to V and MA?

Bindar For Islamic Finance Co's Operating Income of JOD4.33 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Operating Income for a Credit Services company?

A good Operating Income depends on the Credit Services industry context. However, Operating Income 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 Operating Income mean?

A high Operating Income can signal that a stock is expensive relative to its fundamentals. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on Bindar For Islamic Finance Co and its competitors. Bindar For Islamic Finance Co's current Operating Income is JOD4.33 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Bindar For Islamic Finance Co stock overvalued right now?

Based on GuruFocus' analysis, Bindar For Islamic Finance Co (AMM:BIND) is currently considered Modestly Undervalued. The stock's GF Value™ is JOD1.86, compared to a current price of JOD1.35 — trading 27.4% below its estimated fair value. The current Operating Income is JOD4.33 Mil. Bindar For Islamic Finance Co's overall GF Score™ is 54/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Operating Income calculated?

Operating Income is calculated from a company's financial statements. For Bindar For Islamic Finance Co (AMM:BIND), the current Operating Income is JOD4.33 Mil 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 Bindar For Islamic Finance Co (AMM:BIND) Overvalued in 2026?

Based on GuruFocus' analysis, Bindar For Islamic Finance Co stock appears to be undervalued. The current stock price of JOD1.35 is trading 27.4% below its estimated GF Value™ of JOD1.86. GuruFocus considers Bindar For Islamic Finance Co to be Modestly Undervalued.

Key valuation signals for AMM:BIND:

Operating Income: JOD4.33 Mil
GF Value™: JOD1.86 vs. price of JOD1.35 (27.4% below fair value)
GF Score™: 54/100 with 5 warning signs

No single metric tells the full story. See the AMM:BIND stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bindar For Islamic Finance Co Business Description

Industry Financial Services Credit Services

Comparable Companies AMM:FFCO V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI NSE:CHOLAFIN NSE:TATACAP BOM:532810 ALLY BOM:533398 BOM:543257 TSE:8593 BOM:532955 FCFS

Address King Abdullah 2 Street, P.O. Box 1921, Al-Ibrahimiya Complex - Building No. 246, Amman, JOR, 11821

Website https://www.bindar-jo.com

Bindar For Islamic Finance Co is engaged in thw in the field of finance. Its products are Small and Medium Enterprises Facilities, Individual facilities, and Islamic products. The companies product includes Islamic finance.

54GF Score

Get the complete analysis for AMM:BIND

Operating Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JOD1.35

Price

JOD1.86

GF Value

View AMM:BIND Analysis

See Operating Income data for all stocks →