Business Description
ITF Group AD Sofia
ISIN : BG1100022224
Total Employee Number:
81Compare
Compare
Traded in other countries / regions
ITF.Bulgaria IPO Date
2023-01-04Description
ITF Group AD Sofia is a non-banking financial institution that provides a large portfolio of financial services to borrowers. Its main products are consumer loans with various payment schedules targeted to audiences with a specific risk factor. The company's clients are capable individuals, with a steady income and a good credit history, permanently residing on the territory of the Republic of Bulgaria, as well as legal entities. It has created and operates two separate consumer lending brands: Smile Credit and GetCash. Smile Credit is an online lending platform, offering payday and installment loans, and GetCash mainly offers installment loans through a network of sales offices in Bulgaria.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.33 | |||||
Equity-to-Asset | 0.27 | |||||
Debt-to-Equity | 1.85 | |||||
Debt-to-EBITDA | 4.86 | |||||
Interest Coverage | 119.87 | |||||
Piotroski F-Score | 3/9 | |||||
Altman Z-Score | 1.93 | |||||
Beneish M-Score | -0.34 | |||||
WACC vs ROIC | ||||||
Growth Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 49.9 | |||||
3-Year EBITDA Growth Rate | 56.5 | |||||
3-Year EPS without NRI Growth Rate | 70.8 | |||||
3-Year FCF Growth Rate | -41.4 | |||||
3-Year Book Growth Rate | 29.6 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 2.31 | |||||
9-Day RSI | 10.5 | |||||
14-Day RSI | 21.76 | |||||
3-1 Month Momentum % | 24.55 | |||||
6-1 Month Momentum % | 18.1 | |||||
12-1 Month Momentum % | 3.01 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 1.88 | |||||
Quick Ratio | 1.88 | |||||
Cash Ratio | 0.6 | |||||
Days Sales Outstanding | 313.72 | |||||
Days Payable | 2.81 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 3.15 | |||||
Dividend Payout Ratio | 0.06 | |||||
Forward Dividend Yield % | 3.15 | |||||
5-Year Yield-on-Cost % | 3.08 | |||||
Shareholder Yield % | -32.1 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 74.27 | |||||
Operating Margin % | 61.76 | |||||
Net Margin % | 15.86 | |||||
EBITDA Margin % | 19.53 | |||||
FCF Margin % | -19.76 | |||||
OCF Margin % | -19.76 | |||||
ROE % | 36.36 | |||||
ROA % | 10.53 | |||||
ROIC % | 43.62 | |||||
3-Year ROIIC % | 42.94 | |||||
ROC (Joel Greenblatt) % | 39.59 | |||||
ROCE % | 17.4 | |||||
Years of Profitability over Past 10-Year | 4 |
GF Value Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 7.57 | |||||
Forward PE Ratio | 3.63 | |||||
PE Ratio without NRI | 2.43 | |||||
PS Ratio | 1.2 | |||||
PB Ratio | 2.33 | |||||
Price-to-Tangible-Book | 2.39 | |||||
EV-to-EBIT | 10 | |||||
EV-to-Forward-EBIT | 11.6 | |||||
EV-to-EBITDA | 9.27 | |||||
EV-to-Forward-EBITDA | 10.78 | |||||
EV-to-Revenue | 1.81 | |||||
EV-to-Forward-Revenue | 2.35 | |||||
EV-to-FCF | -9.3 | |||||
Price-to-Graham-Number | 0.5 | |||||
Earnings Yield (Greenblatt) % | 10 | |||||
FCF Yield % | -16.86 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
ITF Group AD Sofia Executives
DetailsGF Valueâ„¢
Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 19.41 | ||
| EPS (TTM) (€) | 0.879 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | - | ||
| 3-Year Sortino Ratio | - | ||
| Volatility % | 39.89 | ||
| 14-Day RSI | 21.76 | ||
| 14-Day ATR (€) | 0.03578 | ||
| 20-Day SMA (€) | 6.69 | ||
| 12-1 Month Momentum % | 3.01 | ||
| 52-Week Range (€) | 3.88 - 7.6 | ||
| Shares Outstanding (Mil) | 3.5 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 3 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
ITF Group AD Sofia Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
ITF Group AD Sofia Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| EUR 0.204517 Cash Dividend | 2026-06-03 | 7.00 (+5.26%) | ||
| BGN 0.342857 Cash Dividend | 2025-07-08 | 5.85 (+0.86%) |
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ITF Group AD Sofia Frequently Asked Questions
What is ITF Group AD Sofia(XBUL:ITF)'s stock price today?
The current price of XBUL:ITF is €6.50. The 52 week high of XBUL:ITF is €7.60 and 52 week low is €3.88.
When is next earnings date of ITF Group AD Sofia(XBUL:ITF)?
The next earnings date of ITF Group AD Sofia(XBUL:ITF) is .
Does ITF Group AD Sofia(XBUL:ITF) pay dividends? If so, how much?
The Dividend Yield %  of ITF Group AD Sofia(XBUL:ITF) is 3.15% (As of Today), Highest Dividend Payout Ratio of ITF Group AD Sofia(XBUL:ITF) was 0.07. The lowest was 0.03. And the median was 0.05. The  Forward Dividend Yield % of ITF Group AD Sofia(XBUL:ITF) is 3.15%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on ITF Group AD Sofia
No articles.
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