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ITF Group AD SofiaXBUL:ITF 26 EV-to-EBIT is 10.00 as of Sep. 06, 2026, which is 12% below its 10-year median of 11.36. GuruFocus rates XBUL:ITF with a GF Score™ of 26/100. The stock has 4 warning signs investors should review. Among 310 Credit Services companies, ITF Group AD Sofia ranks better than 77.1% on this metric.
ITF Group AD Sofia (XBUL:ITF) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
ITF Group AD Sofia's Enterprise Value for the quarter that ended in Mar. 2026 was €31.65 Mil.
ITF Group AD Sofia's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3.51 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.
ITF Group AD Sofia EV-to-EBIT Related Terms
ITF Group AD Sofia EV-to-EBIT Historical Data
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The historical data trend for ITF Group AD Sofia's EV-to-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.
For the Credit Services subindustry, ITF Group AD Sofia'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.
ITF Group AD Sofia EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's EV-to-EBIT falls into.
ITF Group AD Sofia's current Enterprise Value is €35.15 Mil.
ITF Group AD Sofia's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3.51 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.
ITF Group AD Sofia (XBUL:ITF) has a EV-to-EBIT of 10.00 as of Sep. 06, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on ITF Group AD Sofia and its competitors. This is 12% below median its historical median of 11.36. Over the past decade, ITF Group AD Sofia's EV-to-EBIT has ranged from 7.46 to 24.13. According to the industry distribution chart, ITF Group AD Sofia ranks #71 out of 310 companies in the Credit Services industry, placing it in the top 22.9%.
Is ITF Group AD Sofia's EV-to-EBIT too high?
ITF Group AD Sofia's current EV-to-EBIT of 10.00 is 12% below median its 10-year median of 11.36. Over the past 10 years, this metric has ranged from a low of 7.46 to a high of 24.13. The Credit Services industry median EV-to-EBIT is 22.27. ITF Group AD Sofia's value of 10.00 is 55.1% below this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #71 out of 310 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, ITF Group AD Sofia has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does ITF Group AD Sofia's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #71 out of 310 companies for EV-to-EBIT. This places ITF Group AD Sofia in the top 23% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 22.27. ITF Group AD Sofia's value of 10.00 is 55.1% below this benchmark. Historically, ITF Group AD Sofia's own EV-to-EBIT has ranged from 7.46 to 24.13 over the past decade. While the company's 10-year median is 11.36 vs. the industry median of 22.27, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.27, based on 310 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ITF Group AD Sofia's current EV-to-EBIT of 10.00 is 55.1% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on ITF Group AD Sofia and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current EV-to-EBIT is 10.00, which is 12% below median its own 10-year median of 11.36. 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 EV-to-EBIT of 10.00. The current EV-to-EBIT is 10.00, which is 12% below median its 10-year median of 11.36 and 55.1% below the Credit Services industry median of 22.27. ITF Group AD Sofia's overall GF Score™ is 26/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current EV-to-EBIT is 10.00 as of Sep. 06, 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.
26GF Score
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