Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Islamic First FinanceAMM:FFCO +1.56%51 ROE % is 2.22% as of Jun. 2026, which is 22% below its 10-year median of 2.84. 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 531 Credit Services companies, Islamic First Finance ranks worse than 68.74% on this metric.
Islamic First Finance (AMM:FFCO) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's ROE % distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Islamic First Finance (AMM:FFCO) has a ROE % of 2.22% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Islamic First Finance and its competitors. This is 22% below median its historical median of 2.84. Over the past decade, Islamic First Finance's ROE % has ranged from 0.69 to 6.91. According to the industry distribution chart, Islamic First Finance ranks #365 out of 531 companies in the Credit Services industry, placing it in the top 68.7%.
Is Islamic First Finance's ROE % too high?
Islamic First Finance's current ROE % of 2.22% is 22% below median its 10-year median of 2.84. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 6.91. The Credit Services industry median ROE % is 6.94. Islamic First Finance's value of 2.22% is 68% below this industry median. Based on the distribution chart, Islamic First Finance ranks #365 out of 531 companies in the Credit Services industry, which is below 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #365 out of 531 companies for ROE %. This places Islamic First Finance in the lower half of its industry. The industry median ROE % is 6.94. Islamic First Finance's value of 2.22% is 68% below this benchmark. Historically, Islamic First Finance's own ROE % has ranged from 0.69 to 6.91 over the past decade. While the company's 10-year median is 2.84 vs. the industry median of 6.94, Islamic First Finance has consistently been below 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.94, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current ROE % of 2.22% is 68% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median ROE % is 6.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current ROE % is 2.22%, which is 22% below median its own 10-year median of 2.84. 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 ROE % is 2.22%, which is 22% below median its 10-year median of 2.84 and 68% below the Credit Services industry median of 6.94. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current ROE % is 2.22% 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:
ROE %: 2.22% (22% below median its 10-year median of 2.84)
GF Value™: JOD0.52 vs. price of JOD0.65 (25% above fair value)
Industry Position: 68% below the Credit Services median (#365 of 531)
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
Get the complete analysis for AMM:FFCO
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AMM:FFCO has been successfully added to your 
