Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ITF Group AD SofiaXBUL:ITF -2.26%23 Gross Margin % is 75.15% as of Mar. 2026, which is 4% above its 10-year median of 72.04. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 390 Credit Services companies, ITF Group AD Sofia ranks better than 75.13% on this metric.
ITF Group AD Sofia (XBUL:ITF) 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
ITF Group AD Sofia had a gross margin of 75.15% for the quarter that ended in Mar. 2026 => Durable 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.
ITF Group AD Sofia Gross Margin % Related Terms
ITF Group AD Sofia Gross Margin % Historical Data
* Premium members only.
The historical data trend for ITF Group AD Sofia's Gross Margin % 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 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.
ITF Group AD Sofia Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's Gross Margin % distribution charts can be found below:
* The bar in red indicates where ITF Group 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.
ITF Group AD Sofia (XBUL:ITF) has a Gross Margin % of 75.15% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on ITF Group AD Sofia and its competitors. This is near median its historical median of 72.04. Over the past decade, ITF Group AD Sofia's Gross Margin % has ranged from 67.59 to 74.89. According to the industry distribution chart, ITF Group AD Sofia ranks #97 out of 390 companies in the Credit Services industry, placing it in the top 24.9%.
Is ITF Group AD Sofia's Gross Margin % too high?
ITF Group AD Sofia's current Gross Margin % of 75.15% is near median its 10-year median of 72.04. Over the past 10 years, this metric has ranged from a low of 67.59 to a high of 74.89. The Credit Services industry median Gross Margin % is 51.79. ITF Group AD Sofia's value of 75.15% is 45.1% above this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #97 out of 390 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 23/100, reflecting its overall financial health beyond just this single metric.
How does ITF Group AD Sofia's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #97 out of 390 companies for Gross Margin %. This places ITF Group AD Sofia in the top 25% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.79. ITF Group AD Sofia's value of 75.15% is 45.1% above this benchmark. Historically, ITF Group AD Sofia's own Gross Margin % has ranged from 67.59 to 74.89 over the past decade. While the company's 10-year median is 72.04 vs. the industry median of 51.79, ITF Group AD Sofia has consistently been above 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. ITF Group AD Sofia's current Gross Margin % of 75.15% is 45.1% above 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 ITF Group 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. ITF Group AD Sofia's current Gross Margin % is 75.15%, which is near median its own 10-year median of 72.04. 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 Gross Margin % of 75.15%. The current Gross Margin % is 75.15%, which is near median its 10-year median of 72.04 and 45.1% above the Credit Services industry median of 51.79. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current Gross Margin % is 75.15% as of Mar. 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
Get the complete analysis for XBUL:ITF
Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XBUL:ITF has been successfully added to your 
