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ITF Group AD Sofia's Days Sales Outstanding for the
three
months ended in Mar. 2026 was 207.59.
ITF Group AD Sofia's Days Inventory for the
three
months ended in Mar. 2026 was 0.
ITF Group AD Sofia's Days Payable for the
three
months ended in Mar. 2026 was 2.32.
Therefore, ITF Group AD Sofia's Cash Conversion Cycle (CCC) for the
three
months ended in Mar. 2026 was 205.27.
ITF Group AD Sofia (XBUL:ITF) Cash Conversion Cycle Explanation
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
ITF Group AD Sofia Cash Conversion Cycle Related Terms
ITF Group AD Sofia Cash Conversion Cycle Historical Data
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The historical data trend for ITF Group AD Sofia's Cash Conversion Cycle 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.
XBUL:ITF vs V, MA, AXP: Cash Conversion Cycle Comparison
For the Credit Services subindustry, ITF Group AD Sofia's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle 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.
ITF Group AD Sofia Cash Conversion Cycle vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's Cash Conversion Cycle falls into.
ITF Group AD Sofia Cash Conversion Cycle Calculation
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
ITF Group AD Sofia's Cash Conversion Cycle for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
ITF Group AD Sofia (XBUL:ITF) has a Cash Conversion Cycle of 205.27 as of Mar. 2026. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on ITF Group AD Sofia and its competitors.
Is ITF Group AD Sofia's Cash Conversion Cycle too high?
ITF Group AD Sofia's current Cash Conversion Cycle is 205.27. The Credit Services industry median Cash Conversion Cycle is 1.18. ITF Group AD Sofia's value of 205.27 is 17295.8% above this industry median. Overall, ITF Group AD Sofia has a GF Score™ of 23/100, reflecting its overall financial health beyond just this single metric.
How does ITF Group AD Sofia's Cash Conversion Cycle compare to V and MA?
ITF Group AD Sofia's Cash Conversion Cycle of 205.27 can be compared against companies in the Credit Services industry. The industry median Cash Conversion Cycle is 1.18. ITF Group AD Sofia's value of 205.27 is 17295.8% 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 Cash Conversion Cycle for a Credit Services company?
The median Cash Conversion Cycle among Credit Services companies is 1.18, based on 380 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ITF Group AD Sofia's current Cash Conversion Cycle of 205.27 is 17295.8% 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 Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on ITF Group AD Sofia and its competitors. For the Credit Services industry, the median Cash Conversion Cycle is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current Cash Conversion Cycle is 205.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ITF Group AD Sofia stock overvalued right now?
ITF Group AD Sofia (XBUL:ITF) has a current Cash Conversion Cycle of 205.27. The current Cash Conversion Cycle is 205.27 and 17295.8% above the Credit Services industry median of 1.18. ITF Group AD Sofia's overall GF Score™ is 23/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current Cash Conversion Cycle is 205.27 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.
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.
23GF Score
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