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Islamic First FinanceAMM:FFCO 52 Return-on-Tangible-Asset is 2.71% as of Mar. 2026, which is 8% above its 10-year median of 2.52. GuruFocus rates AMM:FFCO with a GF Score™ of 52/100 and a GF Value™ of JOD0.53 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 545 Credit Services companies, Islamic First Finance ranks better than 53.21% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Islamic First Finance's annualizedNet Income for the quarter that ended in Mar. 2026 was JOD1.19 Mil. Islamic First Finance's average total tangible assets for the quarter that ended in Mar. 2026 was JOD43.94 Mil. Therefore, Islamic First Finance's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 2.71%.
The historical rank and industry rank for Islamic First Finance's Return-on-Tangible-Asset or its related term are showing as below:
AMM:FFCO'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.64 Med: 2.52 Max: 5.42
Current: 2.08
During the past 13 years, Islamic First Finance's highest Return-on-Tangible-Asset was 5.42%. The lowest was 0.64%. And the median was 2.52%.
AMM:FFCO's Return-on-Tangible-Asset is ranked better than 53.21% of 545
companies
in the Credit Services industry
Industry Median: 1.91
vs AMM:FFCO: 2.08
Islamic First Finance (AMM:FFCO) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Islamic First Finance Return-on-Tangible-Asset Related Terms
Islamic First Finance Return-on-Tangible-Asset Historical Data
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The historical data trend for Islamic First Finance's Return-on-Tangible-Asset 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.
Islamic First Finance Return-on-Tangible-Asset Chart
AMM:FFCO vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Islamic First Finance's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.71% mean?
Islamic First Finance (AMM:FFCO) has a Return-on-Tangible-Asset of 2.71% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Islamic First Finance and its competitors. This is near median its historical median of 2.52. Over the past decade, Islamic First Finance's Return-on-Tangible-Asset has ranged from 0.64 to 5.42. According to the industry distribution chart, Islamic First Finance ranks #255 out of 545 companies in the Credit Services industry, placing it in the top 46.8%.
Is Islamic First Finance's Return-on-Tangible-Asset too high?
Islamic First Finance's current Return-on-Tangible-Asset of 2.71% is near median its 10-year median of 2.52. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 5.42. The Credit Services industry median Return-on-Tangible-Asset is 1.91. Islamic First Finance's value of 2.71% is 41.9% above this industry median. Based on the distribution chart, Islamic First Finance ranks #255 out of 545 companies in the Credit Services industry, which is above the industry midpoint. Overall, Islamic First Finance has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Islamic First Finance's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #255 out of 545 companies for Return-on-Tangible-Asset. This puts Islamic First Finance in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.91. Islamic First Finance's value of 2.71% is 41.9% above this benchmark. Historically, Islamic First Finance's own Return-on-Tangible-Asset has ranged from 0.64 to 5.42 over the past decade. While the company's 10-year median is 2.52 vs. the industry median of 1.91, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.91, based on 545 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current Return-on-Tangible-Asset of 2.71% is 41.9% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current Return-on-Tangible-Asset is 2.71%, which is near median its own 10-year median of 2.52. 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 JOD0.53, compared to a current price of JOD0.61 — trading 15.1% above its estimated fair value. The current Return-on-Tangible-Asset is 2.71%, which is near median its 10-year median of 2.52 and 41.9% above the Credit Services industry median of 1.91. Islamic First Finance's overall GF Score™ is 52/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current Return-on-Tangible-Asset is 2.71% 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 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 JOD0.61 is trading 15.1% above its estimated GF Value™ of JOD0.53.
GuruFocus considers Islamic First Finance to be Modestly Overvalued.
Key valuation signals for AMM:FFCO:
Return-on-Tangible-Asset: 2.71% (near median its 10-year median of 2.52)
GF Value™: JOD0.53 vs. price of JOD0.61 (15.1% above fair value)
Industry Position: 41.9% above the Credit Services median (#255 of 545)
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.
52GF Score
Get the complete analysis for AMM:FFCO
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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