First Finance Co (AMM:FFCO) ROCE %: 4.24% (As of Mar. 2026)

What is First Finance Co ROCE %?

First Finance Co AMM:FFCO -1.67% 51 ROCE % is 4.24% as of Mar. 2026. 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.

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. First Finance Co's annualized ROCE % for the quarter that ended in Mar. 2026 was 4.24%.

First Finance Co (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.

First Finance Co ROCE % Related Terms

First Finance Co ROCE % Historical Data

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The historical data trend for First Finance Co'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.

First Finance Co ROCE % Chart

First Finance Co Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROCE %

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3.16

2.78

2.03

0.96

2.90

First Finance Co Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROCE %	Get a 7-Day Free Trial															3.14	3.28	2.42	5.51	4.24

51GF Score

First Finance Co AMM:FFCO

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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First Finance Co ROCE % Calculation

First Finance Co'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 %

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

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	1.864	/	( ( (43.899 - 0)	+	(43.985 - 0) )	/ 2 )
	=	1.864	/	( ( 43.899	+	43.985 )	/ 2 )
	=	1.864	/	43.942
	=	4.24 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 4.24% mean?

First Finance Co (AMM:FFCO) has a ROCE % of 4.24% as of Mar. 2026.

Is First Finance Co's ROCE % too high?

First Finance Co's current ROCE % is 4.24%. The Credit Services industry median ROCE % is 3.46. First Finance Co's value of 4.24% is 22.5% above this industry median. 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 ROCE % compare to V and MA?

First Finance Co's ROCE % of 4.24% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.46. First Finance Co's value of 4.24% is 22.5% above 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 3.46, based on 416 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. First Finance Co's current ROCE % of 4.24% is 22.5% 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 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 3.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Finance Co's current ROCE % is 4.24%. 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 ROCE % is 4.24% and 22.5% above the Credit Services industry median of 3.46. 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 ROCE % calculated?

ROCE % is calculated from a company's financial statements. For First Finance Co (AMM:FFCO), the current ROCE % is 4.24% 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 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:

ROCE %: 4.24%
GF Value™: JOD0.53 vs. price of JOD0.59 (11.3% above fair value)
GF Score™: 51/100 with 4 warning signs
Industry Position: 22.5% above 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.

First Finance Co Business Description

Industry Financial Services Credit Services

Comparable Companies AMM:BIND V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI NSE:CHOLAFIN NSE:TATACAP BOM:532810 ALLY BOM:533398 BOM:543257 TSE:8593 BOM:532955 FCFS

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

Website http://www.ffc.jo

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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JOD0.59

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JOD0.53

GF Value

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