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ITF Group AD SofiaXBUL:ITF -2.26%23 EV-to-FCF is -9.16 as of Aug. 18, 2026. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 270 Credit Services companies, ITF Group AD Sofia ranks worse than 370370% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, ITF Group AD Sofia's Enterprise Value is €35.15 Mil.
ITF Group AD Sofia's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €-3.84 Mil. Therefore, ITF Group AD Sofia's EV-to-FCF for today is -9.16.
The historical rank and industry rank for ITF Group AD Sofia's EV-to-FCF or its related term are showing as below:
XBUL:ITF'
s EV-to-FCF Range Over the Past 10 Years
Min: -417.46 Med: -27.09 Max: -6.69
Current: -9.3
During the past 4 years, the highest EV-to-FCF of ITF Group AD Sofia was -6.69. The lowest was -417.46. And the median was -27.09.
XBUL:ITF's EV-to-FCF is ranked worse than 100% of 270
companies
in the Credit Services industry
Industry Median: 13.835
vs XBUL:ITF: -9.30
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (XBUL:ITF) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
ITF Group AD Sofia EV-to-FCF Related Terms
ITF Group AD Sofia EV-to-FCF Historical Data
* Premium members only.
The historical data trend for ITF Group AD Sofia's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's EV-to-FCF falls into.
ITF Group AD Sofia's current Enterprise Value is €35.15 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 (XBUL:ITF) has a EV-to-FCF of -9.16 as of Aug. 18, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ITF Group AD Sofia and its competitors. According to the industry distribution chart, ITF Group AD Sofia ranks #999999 out of 270 companies in the Credit Services industry.
Is ITF Group AD Sofia's EV-to-FCF too high?
ITF Group AD Sofia's current EV-to-FCF is -9.16. Based on the distribution chart, ITF Group AD Sofia ranks #999999 out of 270 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #999999 out of 270 companies for EV-to-FCF. This places ITF Group AD Sofia in the lower half of its industry. The industry median EV-to-FCF is 13.84. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.84, based on 270 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ITF Group AD Sofia and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.84 — 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-FCF is -9.16. 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-FCF of -9.16. The current EV-to-FCF is -9.16. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current EV-to-FCF is -9.16 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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