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Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, ITF Group AD Sofia's Enterprise Value is €35.67 Mil.
ITF Group AD Sofia's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was €3.51 Mil. Therefore, ITF Group AD Sofia's EV-to-EBIT ratio for today is 10.15.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, ITF Group AD Sofia's Enterprise Value is €35.67 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 ratio for today is 9.41.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, ITF Group AD Sofia's Enterprise Value is €35.67 Mil.
ITF Group AD Sofia's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was €19.41 Mil. Therefore, ITF Group AD Sofia's EV-to-Revenue ratio for today is 1.84.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
ITF Group AD Sofia (XBUL:ITF) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
ITF Group AD Sofia's current Enterprise Value is €35.67 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.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
ITF Group AD Sofia's current Enterprise Value is €35.67 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.
ITF Group AD Sofia's current Enterprise Value is €35.67 Mil.
ITF Group AD Sofia's Revenue 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 €19.41 Mil.
ITF Group AD Sofia's current Enterprise Value is €35.67 Mil.
ITF Group AD Sofia's Cash Flow from Operations 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 €-3.84 Mil.
ITF Group AD Sofia's current Enterprise Value is €35.67 Mil.
ITF Group AD Sofia's Free Cash Flow 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 €-3.84 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 Enterprise Value Related Terms
ITF Group AD Sofia Enterprise Value Historical Data
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The historical data trend for ITF Group AD Sofia's Enterprise Value 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: Enterprise Value Comparison
For the Credit Services subindustry, ITF Group AD Sofia's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's Enterprise Value distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
ITF Group AD Sofia's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Enterprise Value of €35.67 Mil as of Aug. 18, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on ITF Group AD Sofia and its competitors.
Is ITF Group AD Sofia's Enterprise Value too high?
ITF Group AD Sofia's current Enterprise Value is €35.67 Mil. 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 Enterprise Value compare to V and MA?
ITF Group AD Sofia's Enterprise Value of €35.67 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on ITF Group AD Sofia and its competitors. ITF Group AD Sofia's current Enterprise Value is €35.67 Mil. 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 Enterprise Value of €35.67 Mil. The current Enterprise Value is €35.67 Mil. 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current Enterprise Value is €35.67 Mil as of Aug. 18, 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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