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ELANA Agrocredit AD SofiaXBUL:EAC 31 Gross Margin % is 11.87% as of Jun. 2026, which is 45% below its 10-year median of 21.51. GuruFocus rates XBUL:EAC with a GF Score™ of 31/100 and a GF Value™ of €0.64 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 390 Credit Services companies, ELANA Agrocredit AD Sofia ranks worse than 75.38% on this metric.
ELANA Agrocredit AD Sofia (XBUL:EAC) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
ELANA Agrocredit AD Sofia had a gross margin of 11.87% for the quarter that ended in Jun. 2026 => No sustainable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
ELANA Agrocredit AD Sofia Gross Margin % Related Terms
ELANA Agrocredit AD Sofia Gross Margin % Historical Data
* 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, ELANA Agrocredit AD Sofia's Gross Margin %, along with its competitors' market caps and Gross 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.
ELANA Agrocredit AD Sofia Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's Gross Margin % distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
ELANA Agrocredit AD Sofia (XBUL:EAC) has a Gross Margin % of 11.87% as of Jun. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on ELANA Agrocredit AD Sofia and its competitors. This is 45% below median its historical median of 21.51. Over the past decade, ELANA Agrocredit AD Sofia's Gross Margin % has ranged from 15.38 to 83.15. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #294 out of 390 companies in the Credit Services industry, placing it in the top 75.4%.
Is ELANA Agrocredit AD Sofia's Gross Margin % too high?
ELANA Agrocredit AD Sofia's current Gross Margin % of 11.87% is 45% below median its 10-year median of 21.51. Over the past 10 years, this metric has ranged from a low of 15.38 to a high of 83.15. The Credit Services industry median Gross Margin % is 51.79. ELANA Agrocredit AD Sofia's value of 11.87% is 77.1% below this industry median. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #294 out of 390 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, ELANA Agrocredit AD Sofia has a GF Score™ of 31/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELANA Agrocredit AD Sofia's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #294 out of 390 companies for Gross Margin %. This places ELANA Agrocredit AD Sofia in the lower half of its industry. The industry median Gross Margin % is 51.79. ELANA Agrocredit AD Sofia's value of 11.87% is 77.1% below this benchmark. Historically, ELANA Agrocredit AD Sofia's own Gross Margin % has ranged from 15.38 to 83.15 over the past decade. While the company's 10-year median is 21.51 vs. the industry median of 51.79, ELANA Agrocredit 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.79, based on 390 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ELANA Agrocredit AD Sofia's current Gross Margin % of 11.87% is 77.1% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on ELANA Agrocredit AD Sofia and its competitors. For the Credit Services industry, the median Gross Margin % is 51.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current Gross Margin % is 11.87%, which is 45% below median its own 10-year median of 21.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELANA Agrocredit AD Sofia stock overvalued right now?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia (XBUL:EAC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.64, compared to a current price of €0.53 — trading 17.2% below its estimated fair value. The current Gross Margin % is 11.87%, which is 45% below median its 10-year median of 21.51 and 77.1% below the Credit Services industry median of 51.79. ELANA Agrocredit AD Sofia's overall GF Score™ is 31/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For ELANA Agrocredit AD Sofia (XBUL:EAC), the current Gross Margin % is 11.87% as of Jun. 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.
Is ELANA Agrocredit AD Sofia (XBUL:EAC) Overvalued in 2026?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia stock appears to be undervalued.
The current stock price of €0.53 is trading 17.2% below its estimated GF Value™ of €0.64.
GuruFocus considers ELANA Agrocredit AD Sofia to be Modestly Undervalued.
Key valuation signals for XBUL:EAC:
Gross Margin %: 11.87% (45% below median its 10-year median of 21.51)
GF Value™: €0.64 vs. price of €0.53 (17.2% below fair value)
Industry Position: 77.1% below the Credit Services median (#294 of 390)
No single metric tells the full story. See the XBUL:EAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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