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Islamic First FinanceAMM:FFCO -1.61%52 5-Year Yield-on-Cost % is 1.61 as of Jul. 16, 2026, which is 77% below its 10-year median of 7.02. 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 210 Credit Services companies, Islamic First Finance ranks worse than 73.33% on this metric.
Islamic First Finance's yield on cost for the quarter that ended in Mar. 2026 was 1.61.
The historical rank and industry rank for Islamic First Finance's 5-Year Yield-on-Cost % or its related term are showing as below:
AMM:FFCO'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.35 Med: 7.02 Max: 8.7
Current: 1.61
During the past 13 years, Islamic First Finance's highest Yield on Cost was 8.70. The lowest was 1.35. And the median was 7.02.
AMM:FFCO's 5-Year Yield-on-Cost % is ranked worse than 73.33% of 210
companies
in the Credit Services industry
Industry Median: 4.465
vs AMM:FFCO: 1.61
Islamic First Finance (AMM:FFCO) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Islamic First Finance 5-Year Yield-on-Cost % Related Terms
AMM:FFCO vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Islamic First Finance's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Islamic First Finance's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Islamic First Finance's 5-Year Yield-on-Cost % falls into.
Islamic First Finance 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Islamic First Finance (AMM:FFCO) has a 5-Year Yield-on-Cost % of 1.61 as of Jul. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Islamic First Finance and its competitors. This is 77% below median its historical median of 7.02. Over the past decade, Islamic First Finance's 5-Year Yield-on-Cost % has ranged from 1.35 to 8.70. According to the industry distribution chart, Islamic First Finance ranks #154 out of 210 companies in the Credit Services industry, placing it in the top 73.3%.
Is Islamic First Finance's 5-Year Yield-on-Cost % too high?
Islamic First Finance's current 5-Year Yield-on-Cost % of 1.61 is 77% below median its 10-year median of 7.02. Over the past 10 years, this metric has ranged from a low of 1.35 to a high of 8.70. The Credit Services industry median 5-Year Yield-on-Cost % is 4.47. Islamic First Finance's value of 1.61 is 63.9% below this industry median. Based on the distribution chart, Islamic First Finance ranks #154 out of 210 companies in the Credit Services industry, which is below 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 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Islamic First Finance ranks #154 out of 210 companies for 5-Year Yield-on-Cost %. This places Islamic First Finance in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.47. Islamic First Finance's value of 1.61 is 63.9% below this benchmark. Historically, Islamic First Finance's own 5-Year Yield-on-Cost % has ranged from 1.35 to 8.70 over the past decade. While the company's 10-year median is 7.02 vs. the industry median of 4.47, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.47, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic First Finance's current 5-Year Yield-on-Cost % of 1.61 is 63.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Islamic First Finance and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic First Finance's current 5-Year Yield-on-Cost % is 1.61, which is 77% below median its own 10-year median of 7.02. 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 5-Year Yield-on-Cost % is 1.61, which is 77% below median its 10-year median of 7.02 and 63.9% below the Credit Services industry median of 4.47. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Islamic First Finance (AMM:FFCO), the current 5-Year Yield-on-Cost % is 1.61 as of Jul. 16, 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:
5-Year Yield-on-Cost %: 1.61 (77% below median its 10-year median of 7.02)
GF Value™: JOD0.53 vs. price of JOD0.61 (15.1% above fair value)
Industry Position: 63.9% below the Credit Services median (#154 of 210)
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
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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