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ITF Group AD SofiaXBUL:ITF 26 EV-to-EBITDA is 9.27 as of Sep. 06, 2026, which is 8% below its 10-year median of 10.12. GuruFocus rates XBUL:ITF with a GF Score™ of 26/100. The stock has 4 warning signs investors should review. Among 322 Credit Services companies, ITF Group AD Sofia ranks better than 78.88% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, ITF Group AD Sofia's enterprise value is €35.15 Mil.
ITF Group AD Sofia's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was €3.79 Mil. Therefore, ITF Group AD Sofia's EV-to-EBITDA for today is 9.27.
The historical rank and industry rank for ITF Group AD Sofia's EV-to-EBITDA or its related term are showing as below:
XBUL:ITF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.79 Med: 10.12 Max: 19.3
Current: 9.27
During the past 4 years, the highest EV-to-EBITDA of ITF Group AD Sofia was 19.30. The lowest was 6.79. And the median was 10.12.
XBUL:ITF's EV-to-EBITDA is ranked better than 78.88% of 322
companies
in the Credit Services industry
Industry Median: 20.52
vs XBUL:ITF: 9.27
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
ITF Group AD Sofia (XBUL:ITF) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
ITF Group AD Sofia's PE Ratio (TTM) for today is calculated as:
ITF Group AD Sofia's share price for today is €6.50.
ITF Group AD Sofia's Earnings per Share (Diluted) 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 €0.879.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for ITF Group AD Sofia's EV-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 EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's EV-to-EBITDA falls into.
ITF Group AD Sofia's current Enterprise Value is €35.15 Mil.
ITF Group AD Sofia's EBITDA 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 €3.79 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-EBITDA of 9.27 as of Sep. 06, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on ITF Group AD Sofia. This is near median its historical median of 10.12. Over the past decade, ITF Group AD Sofia's EV-to-EBITDA has ranged from 6.79 to 19.30. According to the industry distribution chart, ITF Group AD Sofia ranks #68 out of 322 companies in the Credit Services industry, placing it in the top 21.1%.
Is ITF Group AD Sofia's EV-to-EBITDA too high?
ITF Group AD Sofia's current EV-to-EBITDA of 9.27 is near median its 10-year median of 10.12. Over the past 10 years, this metric has ranged from a low of 6.79 to a high of 19.30. The Credit Services industry median EV-to-EBITDA is 20.52. ITF Group AD Sofia's value of 9.27 is 54.8% below this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #68 out of 322 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-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #68 out of 322 companies for EV-to-EBITDA. This places ITF Group AD Sofia in the top 21% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 20.52. ITF Group AD Sofia's value of 9.27 is 54.8% below this benchmark. Historically, ITF Group AD Sofia's own EV-to-EBITDA has ranged from 6.79 to 19.30 over the past decade. While the company's 10-year median is 10.12 vs. the industry median of 20.52, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 20.52, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-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 EV-to-EBITDA of 9.27 is 54.8% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on ITF Group AD Sofia. For the Credit Services industry, the median EV-to-EBITDA is 20.52 — 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-EBITDA is 9.27, which is near median its own 10-year median of 10.12. 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-EBITDA of 9.27. The current EV-to-EBITDA is 9.27, which is near median its 10-year median of 10.12 and 54.8% below the Credit Services industry median of 20.52. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current EV-to-EBITDA is 9.27 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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