Paysera Bulgaria JSC (XBUL:PAY) EBIT: €-0.33 Mil (TTM As of Dec. 2025)

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XBUL:PAY Paysera Bulgaria JSC XBUL:PAY
13 GF Score
Price €2.48
! 2 Warning Signs
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What is Paysera Bulgaria JSC EBIT?

Paysera Bulgaria JSC XBUL:PAY 13 EBIT is €-0.33 Mil as of Dec. 2025. GuruFocus rates XBUL:PAY with a GF Score™ of 13/100. The stock has 2 warning signs investors should review.

Paysera Bulgaria JSC's earnings before interest and taxes (EBIT) for the six months ended in Dec. 2025 was €-0.12 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.33 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Paysera Bulgaria JSC's annualized ROC % for the quarter that ended in Dec. 2025 was -9.45%. Paysera Bulgaria JSC's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was -14.71%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Paysera Bulgaria JSC's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was -15.23%.

Paysera Bulgaria JSC  (XBUL:PAY) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Paysera Bulgaria JSC's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=-0.127 * ( 1 - 1.57% )/( (1.442 + 1.204)/ 2 )
=-0.1250061/1.323
=-9.45 %

where

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1.817 - 0.22 - ( 0.369 - max(0, 0.435 - 0.59+0.369))
=1.442

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1.395 - 0.234 - ( 0.154 - max(0, 0.484 - 0.441+0.154))
=1.204

Note: The Operating Income data used here is one times the annual (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Paysera Bulgaria JSC's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jun. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-0.12/( ( (0.825 + max(-0.185, 0)) + (0.807 + max(-0.166, 0)) )/ 2 )
=-0.12/( ( 0.825 + 0.807 )/ 2 )
=-0.12/0.816
=-14.71 %

where Working Capital is:

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.186 + 0 + 0.033) - (0.22 + 0 + 0.184)
=-0.185

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.205 + 0 + 0.082) - (0.234 + 0 + 0.219)
=-0.166

When net working capital is negative, 0 is used.

Note: The EBIT data used here is one times the annual (Dec. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Paysera Bulgaria JSC's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=-0.326/2.140
=-15.23 %

* 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.

Paysera Bulgaria JSC EBIT Related Terms

Paysera Bulgaria JSC EBIT Historical Data

* Premium members only.

The historical data trend for Paysera Bulgaria JSC's EBIT 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.

Paysera Bulgaria JSC EBIT Chart

Paysera Bulgaria JSC Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
0.06 0.04 -0.04 -0.11 -0.33

Paysera Bulgaria JSC Semi-Annual Data
Dec21 Dec22 Dec23 Jun24 Dec24 Jun25 Dec25
EBIT Get a 7-Day Free Trial 0.00 -0.03 -0.08 -0.21 -0.12

XBUL:PAY vs MSFT, PLTR, ORCL: EBIT Comparison

For the Software - Infrastructure subindustry, Paysera Bulgaria JSC's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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.

Paysera Bulgaria JSC EV-to-EBIT vs Software Industry

For the Software industry and Technology sector, Paysera Bulgaria JSC's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Paysera Bulgaria JSC's EV-to-EBIT falls into.


XBUL:PAY
13GF Score
Paysera Bulgaria JSC XBUL:PAY
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Paysera Bulgaria JSC EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.33 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of €-0.33 Mil mean?
Paysera Bulgaria JSC (XBUL:PAY) has a EBIT of €-0.33 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Paysera Bulgaria JSC.
Is Paysera Bulgaria JSC's EBIT too high?
Paysera Bulgaria JSC's current EBIT is €-0.33 Mil. Overall, Paysera Bulgaria JSC has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Paysera Bulgaria JSC's EBIT compare to MSFT and PLTR?
Paysera Bulgaria JSC's EBIT of €-0.33 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Software company?
A good EBIT depends on the Software industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Paysera Bulgaria JSC. Paysera Bulgaria JSC's current EBIT is €-0.33 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paysera Bulgaria JSC stock overvalued right now?
Paysera Bulgaria JSC (XBUL:PAY) has a current EBIT of €-0.33 Mil. The current EBIT is €-0.33 Mil. Paysera Bulgaria JSC's overall GF Score™ is 13/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Paysera Bulgaria JSC (XBUL:PAY), the current EBIT is €-0.33 Mil as of Dec. 2025. 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.

Paysera Bulgaria JSC Business Description

Address Ami Bue str. 84, floor 4th, Sofia, BGR, 1612
Paysera Bulgaria JSC operates in Bulgaria and Romania. The company provides services related to electronic money issuance and redemption, domestic and international money transfers, payment gateway solutions for e-commerce, POS terminals, debit cards, event ticketing through Paysera Tickets, QR-based retailer payments, and gold trading and storage. Its operations include marketing, sales, customer service, and technical support adapted for the local markets.
13GF Score

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EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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