First Finance CoAMM:FFCO -1.67%51 PB Ratio is 0.49 as of Jul. 01, 2026, which is 14% above its 10-year median of 0.43. 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 524 Credit Services companies, First Finance Co ranks better than 81.68% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-01), First Finance Co's share price is JOD0.59. First Finance Co's Book Value per Share for the quarter that ended in Mar. 2026 was JOD1.21. Hence, First Finance Co's PB Ratio of today is 0.49.
The historical rank and industry rank for First Finance Co's PB Ratio or its related term are showing as below:
AMM:FFCO'
s PB Ratio Range Over the Past 10 Years
Min: 0.31 Med: 0.43 Max: 0.64
Current: 0.49
During the past 13 years, First Finance Co's highest PB Ratio was 0.64. The lowest was 0.31. And the median was 0.43.
AMM:FFCO's PB Ratio is ranked better than 81.68% of 524
companies
in the Credit Services industry
Industry Median: 1.05
vs AMM:FFCO: 0.49
During the past 12 months, First Finance Co's average Book Value Per Share Growth Rate was -15.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -3.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -0.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -0.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of First Finance Co was 11.20% per year. The lowest was -3.60% per year. And the median was 1.80% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
First Finance Co PB Ratio Related Terms
First Finance Co PB Ratio Historical Data
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The historical data trend for First Finance Co's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, First Finance Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where First Finance Co's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
First Finance Co (AMM:FFCO) has a PB Ratio of 0.49 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Finance Co and its competitors. This is 14% above median its historical median of 0.43. Over the past decade, First Finance Co's PB Ratio has ranged from 0.31 to 0.64. According to the industry distribution chart, First Finance Co ranks #96 out of 524 companies in the Credit Services industry, placing it in the top 18.3%.
Is First Finance Co's PB Ratio too high?
First Finance Co's current PB Ratio of 0.49 is 14% above median its 10-year median of 0.43. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 0.64. The Credit Services industry median PB Ratio is 1.05. First Finance Co's value of 0.49 is 53.3% below this industry median. Based on the distribution chart, First Finance Co ranks #96 out of 524 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, First Finance Co ranks #96 out of 524 companies for PB Ratio. This places First Finance Co in the top 18% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.05. First Finance Co's value of 0.49 is 53.3% below this benchmark. Historically, First Finance Co's own PB Ratio has ranged from 0.31 to 0.64 over the past decade. While the company's 10-year median is 0.43 vs. the industry median of 1.05, First Finance Co 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Finance Co's current PB Ratio of 0.49 is 53.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Finance Co and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Finance Co's current PB Ratio is 0.49, which is 14% above median its own 10-year median of 0.43. 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 PB Ratio is 0.49, which is 14% above median its 10-year median of 0.43 and 53.3% below the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For First Finance Co (AMM:FFCO), the current PB Ratio is 0.49 as of Jul. 01, 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:
PB Ratio: 0.49 (14% above median its 10-year median of 0.43)
GF Value™: JOD0.53 vs. price of JOD0.59 (11.3% above fair value)
Industry Position: 53.3% below the Credit Services median (#96 of 524)
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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