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ELANA Agrocredit AD SofiaXBUL:EAC 31 EBITDA Margin % is 9.75% as of Jun. 2026, which is 33% below its 10-year median of 14.55. GuruFocus rates XBUL:EAC with a GF Score™ of 31/100 and a GF Value™ of €0.64 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 419 Credit Services companies, ELANA Agrocredit AD Sofia ranks worse than 52.98% on this metric.
ELANA Agrocredit AD Sofia (XBUL:EAC) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
ELANA Agrocredit AD Sofia EBITDA Margin % Related Terms
ELANA Agrocredit AD Sofia EBITDA Margin % Historical Data
* 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:EAC vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, ELANA Agrocredit AD Sofia's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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.
ELANA Agrocredit AD Sofia EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia's EBITDA Margin % 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.
ELANA Agrocredit AD Sofia (XBUL:EAC) has a EBITDA Margin % of 9.75% as of Jun. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on ELANA Agrocredit AD Sofia and its competitors. This is 33% below median its historical median of 14.55. Over the past decade, ELANA Agrocredit AD Sofia's EBITDA Margin % has ranged from 10.28 to 57.36. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #222 out of 419 companies in the Credit Services industry, placing it in the top 53%.
Is ELANA Agrocredit AD Sofia's EBITDA Margin % too high?
ELANA Agrocredit AD Sofia's current EBITDA Margin % of 9.75% is 33% below median its 10-year median of 14.55. Over the past 10 years, this metric has ranged from a low of 10.28 to a high of 57.36. The Credit Services industry median EBITDA Margin % is 22.12. ELANA Agrocredit AD Sofia's value of 9.75% is 55.9% below this industry median. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #222 out of 419 companies in the Credit Services industry, which is below the industry midpoint. Overall, ELANA Agrocredit AD Sofia has a GF Score™ of 31/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELANA Agrocredit AD Sofia's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #222 out of 419 companies for EBITDA Margin %. This places ELANA Agrocredit AD Sofia in the lower half of its industry. The industry median EBITDA Margin % is 22.12. ELANA Agrocredit AD Sofia's value of 9.75% is 55.9% below this benchmark. Historically, ELANA Agrocredit AD Sofia's own EBITDA Margin % has ranged from 10.28 to 57.36 over the past decade. While the company's 10-year median is 14.55 vs. the industry median of 22.12, ELANA Agrocredit 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 22.12, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ELANA Agrocredit AD Sofia's current EBITDA Margin % of 9.75% is 55.9% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on ELANA Agrocredit AD Sofia and its competitors. For the Credit Services industry, the median EBITDA Margin % is 22.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current EBITDA Margin % is 9.75%, which is 33% below median its own 10-year median of 14.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELANA Agrocredit AD Sofia stock overvalued right now?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia (XBUL:EAC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.64, compared to a current price of €0.53 — trading 17.2% below its estimated fair value. The current EBITDA Margin % is 9.75%, which is 33% below median its 10-year median of 14.55 and 55.9% below the Credit Services industry median of 22.12. ELANA Agrocredit AD Sofia's overall GF Score™ is 31/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For ELANA Agrocredit AD Sofia (XBUL:EAC), the current EBITDA Margin % is 9.75% as of Jun. 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.
Is ELANA Agrocredit AD Sofia (XBUL:EAC) Overvalued in 2026?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia stock appears to be undervalued.
The current stock price of €0.53 is trading 17.2% below its estimated GF Value™ of €0.64.
GuruFocus considers ELANA Agrocredit AD Sofia to be Modestly Undervalued.
Key valuation signals for XBUL:EAC:
EBITDA Margin %: 9.75% (33% below median its 10-year median of 14.55)
GF Value™: €0.64 vs. price of €0.53 (17.2% below fair value)
Industry Position: 55.9% below the Credit Services median (#222 of 419)
No single metric tells the full story. See the XBUL:EAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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