Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ITF Group AD SofiaXBUL:ITF 23 Debt-to-EBITDA is 4.47 as of Mar. 2026, which is 40% above its 10-year median of 3.19. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 285 Credit Services companies, ITF Group AD Sofia ranks better than 64.91% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for ITF Group AD Sofia's Debt-to-EBITDA or its related term are showing as below:
XBUL:ITF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.08 Med: 3.19 Max: 4.86
Current: 4.86
During the past 4 years, the highest Debt-to-EBITDA Ratio of ITF Group AD Sofia was 4.86. The lowest was 2.08. And the median was 3.19.
XBUL:ITF's Debt-to-EBITDA is ranked better than 64.91% of 285
companies
in the Credit Services industry
Industry Median: 8.69
vs XBUL:ITF: 4.86
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
ITF Group AD Sofia Debt-to-EBITDA Related Terms
ITF Group AD Sofia Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for ITF Group AD Sofia's Debt-to-EBITDA 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 Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
ITF Group AD Sofia (XBUL:ITF) has a Debt-to-EBITDA of 4.47 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on ITF Group AD Sofia. This is 40% above median its historical median of 3.19. Over the past decade, ITF Group AD Sofia's Debt-to-EBITDA has ranged from 2.08 to 4.86. According to the industry distribution chart, ITF Group AD Sofia ranks #100 out of 285 companies in the Credit Services industry, placing it in the top 35.1%.
Is ITF Group AD Sofia's Debt-to-EBITDA too high?
ITF Group AD Sofia's current Debt-to-EBITDA of 4.47 is 40% above median its 10-year median of 3.19. Over the past 10 years, this metric has ranged from a low of 2.08 to a high of 4.86. The Credit Services industry median Debt-to-EBITDA is 8.69. ITF Group AD Sofia's value of 4.47 is 48.6% below this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #100 out of 285 companies in the Credit Services industry, which is above 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 Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #100 out of 285 companies for Debt-to-EBITDA. This puts ITF Group AD Sofia in the upper half of its industry. The industry median Debt-to-EBITDA is 8.69. ITF Group AD Sofia's value of 4.47 is 48.6% below this benchmark. Historically, ITF Group AD Sofia's own Debt-to-EBITDA has ranged from 2.08 to 4.86 over the past decade. While the company's 10-year median is 3.19 vs. the industry median of 8.69, 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.69, based on 285 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ITF Group AD Sofia's current Debt-to-EBITDA of 4.47 is 48.6% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on ITF Group AD Sofia. For the Credit Services industry, the median Debt-to-EBITDA is 8.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current Debt-to-EBITDA is 4.47, which is 40% above median its own 10-year median of 3.19. 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 Debt-to-EBITDA of 4.47. The current Debt-to-EBITDA is 4.47, which is 40% above median its 10-year median of 3.19 and 48.6% below the Credit Services industry median of 8.69. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current Debt-to-EBITDA is 4.47 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
Get the complete analysis for XBUL:ITF
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XBUL:ITF has been successfully added to your 
