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Islamic First FinanceAMM:FFCO 51 ROC (Joel Greenblatt) % is 2,015.14% as of Mar. 2026, which is 12614% above its 10-year median of 15.85. 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 415 Credit Services companies, Islamic First Finance ranks better than 79.52% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Islamic First Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 2,015.14%.
The historical rank and industry rank for Islamic First Finance's ROC (Joel Greenblatt) % or its related term are showing as below:
AMM:FFCO'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 5.14 Med: 15.85 Max: 1259.36
Current: 508.01
During the past 13 years, Islamic First Finance's highest ROC (Joel Greenblatt) % was 1259.36%. The lowest was 5.14%. And the median was 15.85%.
AMM:FFCO's ROC (Joel Greenblatt) % is ranked better than 79.52% of 415
companies
in the Credit Services industry
Industry Median: 38.99
vs AMM:FFCO: 508.01
Islamic First Finance's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 172.30% per year.
Islamic First Finance (AMM:FFCO) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
Islamic First Finance ROC (Joel Greenblatt) % Related Terms
Islamic First Finance ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Islamic First Finance's ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % Chart
AMM:FFCO vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Islamic First Finance's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's ROC (Joel Greenblatt) % falls into.
Islamic First Finance ROC (Joel Greenblatt) % Calculation
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.
* 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.
What does a ROC (Joel Greenblatt) % of 2,015.14% mean?
Islamic First Finance (AMM:FFCO) has a ROC (Joel Greenblatt) % of 2,015.14% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Islamic First Finance and its competitors. This is 12614% above median its historical median of 15.85. Over the past decade, Islamic First Finance's ROC (Joel Greenblatt) % has ranged from 5.14 to 1,259.36. According to the industry distribution chart, Islamic First Finance ranks #85 out of 415 companies in the Credit Services industry, placing it in the top 20.5%.
Is Islamic First Finance's ROC (Joel Greenblatt) % too high?
Islamic First Finance's current ROC (Joel Greenblatt) % of 2,015.14% is 12614% above median its 10-year median of 15.85. Over the past 10 years, this metric has ranged from a low of 5.14 to a high of 1,259.36. The Credit Services industry median ROC (Joel Greenblatt) % is 38.99. Islamic First Finance's value of 2,015.14% is 5068.4% above this industry median. Based on the distribution chart, Islamic First Finance ranks #85 out of 415 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #85 out of 415 companies for ROC (Joel Greenblatt) %. This places Islamic First Finance in the top 21% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 38.99. Islamic First Finance's value of 2,015.14% is 5068.4% above this benchmark. Historically, Islamic First Finance's own ROC (Joel Greenblatt) % has ranged from 5.14 to 1,259.36 over the past decade. While the company's 10-year median is 15.85 vs. the industry median of 38.99, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.99, based on 415 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current ROC (Joel Greenblatt) % of 2,015.14% is 5068.4% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current ROC (Joel Greenblatt) % is 2,015.14%, which is 12614% above median its own 10-year median of 15.85. 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 ROC (Joel Greenblatt) % is 2,015.14%, which is 12614% above median its 10-year median of 15.85 and 5068.4% above the Credit Services industry median of 38.99. Islamic First Finance'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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current ROC (Joel Greenblatt) % is 2,015.14% 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:
ROC (Joel Greenblatt) %: 2,015.14% (12614% above median its 10-year median of 15.85)
GF Value™: JOD0.53 vs. price of JOD0.61 (15.1% above fair value)
Industry Position: 5068.4% above the Credit Services median (#85 of 415)
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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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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