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ITF Group AD SofiaXBUL:ITF -2.26%23 EBITDA Margin % is 20.05% as of Mar. 2026, which is 11% above its 10-year median of 18.00. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 419 Credit Services companies, ITF Group AD Sofia ranks worse than 54.18% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. ITF Group AD Sofia's EBITDA for the
three
months ended in Mar. 2026 was €1.03 Mil. ITF Group AD Sofia's Revenue for the
three
months ended in Mar. 2026 was €5.15 Mil. Therefore, ITF Group AD Sofia's EBITDA margin for the quarter that ended in Mar. 2026 was 20.05%.
ITF Group AD Sofia (XBUL:ITF) 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.
ITF Group AD Sofia EBITDA Margin % Related Terms
ITF Group AD Sofia EBITDA Margin % Historical Data
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The historical data trend for ITF Group AD Sofia's EBITDA Margin % 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: EBITDA Margin % Comparison
For the Credit Services subindustry, ITF Group 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.
ITF Group AD Sofia EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where ITF Group 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.
ITF Group AD Sofia (XBUL:ITF) has a EBITDA Margin % of 20.05% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on ITF Group AD Sofia and its competitors. This is 11% above median its historical median of 18.00. Over the past decade, ITF Group AD Sofia's EBITDA Margin % has ranged from 16.93 to 19.53. According to the industry distribution chart, ITF Group AD Sofia ranks #227 out of 419 companies in the Credit Services industry, placing it in the top 54.2%.
Is ITF Group AD Sofia's EBITDA Margin % too high?
ITF Group AD Sofia's current EBITDA Margin % of 20.05% is 11% above median its 10-year median of 18.00. Over the past 10 years, this metric has ranged from a low of 16.93 to a high of 19.53. The Credit Services industry median EBITDA Margin % is 22.12. ITF Group AD Sofia's value of 20.05% is 9.4% below this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #227 out of 419 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #227 out of 419 companies for EBITDA Margin %. This places ITF Group AD Sofia in the lower half of its industry. The industry median EBITDA Margin % is 22.12. ITF Group AD Sofia's value of 20.05% is 9.4% below this benchmark. Historically, ITF Group AD Sofia's own EBITDA Margin % has ranged from 16.93 to 19.53 over the past decade. While the company's 10-year median is 18.00 vs. the industry median of 22.12, 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 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. ITF Group AD Sofia's current EBITDA Margin % of 20.05% is 9.4% 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 ITF Group 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. ITF Group AD Sofia's current EBITDA Margin % is 20.05%, which is 11% above median its own 10-year median of 18.00. 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 EBITDA Margin % of 20.05%. The current EBITDA Margin % is 20.05%, which is 11% above median its 10-year median of 18.00 and 9.4% below the Credit Services industry median of 22.12. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current EBITDA Margin % is 20.05% 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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