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ITF Group AD SofiaXBUL:ITF +2.31%23 Current Ratio is 1.88 as of Mar. 2026, which is 21% below its 10-year median of 2.39. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 402 Credit Services companies, ITF Group AD Sofia ranks worse than 63.43% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. ITF Group AD Sofia's current ratio for the quarter that ended in Mar. 2026 was 1.88.
ITF Group AD Sofia has a current ratio of 1.88. It generally indicates good short-term financial strength.
The historical rank and industry rank for ITF Group AD Sofia's Current Ratio or its related term are showing as below:
XBUL:ITF'
s Current Ratio Range Over the Past 10 Years
Min: 1.74 Med: 2.39 Max: 3.57
Current: 1.88
During the past 4 years, ITF Group AD Sofia's highest Current Ratio was 3.57. The lowest was 1.74. And the median was 2.39.
XBUL:ITF's Current Ratio is ranked worse than 63.43% of 402
companies
in the Credit Services industry
Industry Median: 3.74
vs XBUL:ITF: 1.88
ITF Group AD Sofia (XBUL:ITF) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
ITF Group AD Sofia Current Ratio Related Terms
ITF Group AD Sofia Current Ratio Historical Data
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The historical data trend for ITF Group AD Sofia's Current Ratio 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.
For the Credit Services subindustry, ITF Group AD Sofia's Current Ratio, along with its competitors' market caps and Current Ratio 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's Current Ratio distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's Current Ratio 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.
ITF Group AD Sofia (XBUL:ITF) has a Current Ratio of 1.88 as of Mar. 2026. This is 21% below median its historical median of 2.39. Over the past decade, ITF Group AD Sofia's Current Ratio has ranged from 1.74 to 3.57. According to the industry distribution chart, ITF Group AD Sofia ranks #255 out of 402 companies in the Credit Services industry, placing it in the top 63.4%.
Is ITF Group AD Sofia's Current Ratio too high?
ITF Group AD Sofia's current Current Ratio of 1.88 is 21% below median its 10-year median of 2.39. Over the past 10 years, this metric has ranged from a low of 1.74 to a high of 3.57. The Credit Services industry median Current Ratio is 3.74. ITF Group AD Sofia's value of 1.88 is 49.7% below this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #255 out of 402 companies in the Credit Services industry, which is below the industry midpoint. 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 Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #255 out of 402 companies for Current Ratio. This places ITF Group AD Sofia in the lower half of its industry. The industry median Current Ratio is 3.74. ITF Group AD Sofia's value of 1.88 is 49.7% below this benchmark. Historically, ITF Group AD Sofia's own Current Ratio has ranged from 1.74 to 3.57 over the past decade. While the company's 10-year median is 2.39 vs. the industry median of 3.74, ITF Group AD Sofia 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 Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 3.74, based on 402 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ITF Group AD Sofia's current Current Ratio of 1.88 is 49.7% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 3.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current Current Ratio is 1.88, which is 21% below median its own 10-year median of 2.39. 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 Current Ratio of 1.88. The current Current Ratio is 1.88, which is 21% below median its 10-year median of 2.39 and 49.7% below the Credit Services industry median of 3.74. 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 Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current Current Ratio is 1.88 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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