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Islamic First FinanceAMM:FFCO +1.56%51 Quick Ratio is 37.21 as of Jun. 2026, which is 170% above its 10-year median of 13.79. 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 400 Credit Services companies, Islamic First Finance ranks better than 72.25% on this metric.
Islamic First Finance (AMM:FFCO) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Islamic First Finance Quick Ratio Related Terms
Islamic First Finance Quick Ratio Historical Data
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The historical data trend for Islamic First Finance's Quick 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, Islamic First Finance's Quick Ratio, along with its competitors' market caps and Quick 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.
Islamic First Finance Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Islamic First Finance's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Quick Ratio of 37.21 as of Jun. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Islamic First Finance and its competitors. This is 170% above median its historical median of 13.79. Over the past decade, Islamic First Finance's Quick Ratio has ranged from 1.87 to 62.21. According to the industry distribution chart, Islamic First Finance ranks #111 out of 400 companies in the Credit Services industry, placing it in the top 27.7%.
Is Islamic First Finance's Quick Ratio too high?
Islamic First Finance's current Quick Ratio of 37.21 is 170% above median its 10-year median of 13.79. Over the past 10 years, this metric has ranged from a low of 1.87 to a high of 62.21. The Credit Services industry median Quick Ratio is 3.48. Islamic First Finance's value of 37.21 is 969.3% above this industry median. Based on the distribution chart, Islamic First Finance ranks #111 out of 400 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 Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #111 out of 400 companies for Quick Ratio. This puts Islamic First Finance in the upper half of its industry. The industry median Quick Ratio is 3.48. Islamic First Finance's value of 37.21 is 969.3% above this benchmark. Historically, Islamic First Finance's own Quick Ratio has ranged from 1.87 to 62.21 over the past decade. While the company's 10-year median is 13.79 vs. the industry median of 3.48, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 3.48, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current Quick Ratio of 37.21 is 969.3% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median Quick Ratio is 3.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current Quick Ratio is 37.21, which is 170% above median its own 10-year median of 13.79. 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 Quick Ratio is 37.21, which is 170% above median its 10-year median of 13.79 and 969.3% above the Credit Services industry median of 3.48. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current Quick Ratio is 37.21 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:
Quick Ratio: 37.21 (170% above median its 10-year median of 13.79)
GF Value™: JOD0.52 vs. price of JOD0.65 (25% above fair value)
Industry Position: 969.3% above the Credit Services median (#111 of 400)
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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