First Finance Co. (FFCO) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

First Finance Co.

Comprehensive Leasing Co.

Dar Al Aman for Islamic Finance

Why is First Finance Co. ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 2.06%

Poor long term growth as Net Sales has grown by an annual rate of 12.81% and Operating profit at 24.99%
The company has been able to generate a Return on Equity (avg) of 2.06% signifying low profitability per unit of shareholders funds

Poor long term growth as Net Sales has grown by an annual rate of 12.81% and Operating profit at 24.99%

Flat results in Dec 25

INTEREST(HY) At JOD 0.02 MM has Grown at 40.54%
NET PROFIT(HY) At JOD 0.3 MM has Grown at -36.32%
ROCE(HY) Lowest at 0%

With ROE of 2.63%, it has a fair valuation with a 0.00 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 31.11%, its profits have risen by 48%

Underperformed the market in the last 1 year

The stock has generated a return of 31.11% in the last 1 year, much lower than market (Jordan General Index) returns of 41.27%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to First Finance Co. should be less than 10%
Overall Portfolio exposure to Finance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is First Finance Co. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

First Finance Co.

31.11%

0.52

39.01%

Jordan General Index

41.27%

4.23

9.76%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.81%

EBIT Growth (5y)

24.99%

EBIT to Interest (avg)

1.07

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Tax Ratio is Negative%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

2.39%

ROE (avg)

2.06%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

EV to EBIT

-0.75

EV to EBITDA

-0.65

EV to Capital Employed

-0.02

EV to Sales

-0.35

PEG Ratio

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

2.63%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

OPERATING CASH FLOW(Y)

Highest at JOD 1.84 MM

NET SALES(HY)

Higher at JOD 3.2 MM

PRE-TAX PROFIT(Q)

Highest at JOD 0.68 MM

-14What is not working for the Company

INTEREST(HY)

At JOD 0.02 MM has Grown at 40.54%

NET PROFIT(HY)

At JOD 0.3 MM has Grown at -36.32%

ROCE(HY)

Lowest at 0%

RAW MATERIAL COST(Y)

Grown by 101.06% (YoY

DEBTORS TURNOVER RATIO(HY)

Lowest at 0 times

EPS(Q)

Lowest at JOD 0

Here's what is working for First Finance Co.

Net Sales

At JOD 3.2 MM has Grown at 135.17%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very positive

Net Sales (JOD MM)

Pre-Tax Profit

At JOD 0.68 MM has Grown at 174.14%

over average net sales of the previous four periods of JOD 0.25 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (JOD MM)

Net Sales

Higher at JOD 3.2 MM

than preceding 12 month period ended Dec 2025

MOJO Watch

In the half year the company has already crossed sales of the previous twelve months

Net Sales (JOD MM)

Operating Cash Flow

Highest at JOD 1.84 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (JOD MM)

Pre-Tax Profit

Highest at JOD 0.68 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JOD MM)

Here's what is not working for First Finance Co.

Interest

At JOD 0.02 MM has Grown at 40.54%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JOD MM)

Net Profit

At JOD 0.3 MM has Grown at -36.32%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is negative

Net Profit (JOD MM)

EPS

Lowest at JOD 0

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (JOD)

Debtors Turnover Ratio

Lowest at 0 times

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio

Raw Material Cost

Grown by 101.06% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin

Raw Material Cost as a percentage of Sales