Islamic First Finance (AMM:FFCO) ROCE %: 3.55% (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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AMM:FFCO Islamic First Finance AMM:FFCO
51 GF Score
Price JOD0.65
GF Value JOD0.52
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Islamic First Finance ROCE %?

Islamic First Finance AMM:FFCO +1.56% 51 ROCE % is 3.55% as of Jun. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Islamic First Finance's annualized ROCE % for the quarter that ended in Jun. 2026 was 3.55%.

Islamic First Finance  (AMM:FFCO) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Islamic First Finance ROCE % Related Terms

Islamic First Finance ROCE % Historical Data

* Premium members only.

The historical data trend for Islamic First Finance's ROCE % 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 ROCE % Chart

Islamic First Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.16 2.78 2.03 0.96 2.90

Islamic First Finance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.28 2.42 5.51 4.24 3.55
AMM:FFCO
51GF Score
Islamic First Finance AMM:FFCO
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Islamic First Finance ROCE % Calculation

Islamic First Finance's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=1.379/( ( (51.364 - 0) + (43.899 - 0) )/ 2 )
=1.379/( (51.364+43.899)/ 2 )
=1.379/47.6315
=2.90 %

Islamic First Finance's ROCE % of for the quarter that ended in Jun. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Jun. 2026 )  (Q: Mar. 2026 )(Q: Jun. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Jun. 2026 )  (Q: Mar. 2026 )(Q: Jun. 2026 )
=1.552/( ( (43.985 - 0) + (44.064 - 0.685) )/ 2 )
=1.552/( ( 43.985 + 43.379 )/ 2 )
=1.552/43.682
=3.55 %

(1) Note: The EBIT data used here is four times the quarterly (Jun. 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 3.55% mean?
Islamic First Finance (AMM:FFCO) has a ROCE % of 3.55% as of Jun. 2026.
Is Islamic First Finance's ROCE % too high?
Islamic First Finance's current ROCE % is 3.55%. The Credit Services industry median ROCE % is 3.60. Islamic First Finance's value of 3.55% is 1.4% below this industry median. 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 ROCE % compare to V and MA?
Islamic First Finance's ROCE % of 3.55% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.60. Islamic First Finance's value of 3.55% is 1.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.60, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current ROCE % of 3.55% is 1.4% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current ROCE % is 3.55%. 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 ROCE % is 3.55% and 1.4% below the Credit Services industry median of 3.60. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current ROCE % is 3.55% 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:

  • ROCE %: 3.55%
  • GF Value™: JOD0.52 vs. price of JOD0.65 (25% above fair value)
  • GF Score™: 51/100 with 3 warning signs
  • Industry Position: 1.4% below the Credit Services median

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.

Islamic First Finance Business Description

Address King Abdullah II street, Building no. 172, Khalda, P.O. Box 144596, Amman, JOR, 11814
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

Get the complete analysis for AMM:FFCO

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

JOD0.65
Price
JOD0.52
GF Value