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ITF Group AD SofiaXBUL:ITF -2.26%23 Interest Coverage is 136.17 as of Mar. 2026, which is 41% above its 10-year median of 96.37. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 164 Credit Services companies, ITF Group AD Sofia ranks better than 54.27% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. ITF Group AD Sofia's
Operating Income
for the
three
months ended in Mar. 2026 was €3.27 Mil. ITF Group AD Sofia's Interest Expense for the
three
months ended in Mar. 2026 was €-0.02 Mil.
ITF Group AD Sofia's interest coverage for the quarter that ended in Mar. 2026 was 136.17.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for ITF Group AD Sofia's Interest Coverage or its related term are showing as below:
XBUL:ITF'
s Interest Coverage Range Over the Past 10 Years
Min: 77.88 Med: 96.37 Max: 215.73
Current: 119.87
XBUL:ITF's Interest Coverage is ranked better than 54.27% of 164
companies
in the Credit Services industry
Industry Median: 55.32
vs XBUL:ITF: 119.87
ITF Group AD Sofia (XBUL:ITF) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
ITF Group AD Sofia Interest Coverage Related Terms
ITF Group AD Sofia Interest Coverage Historical Data
* Premium members only.
The historical data trend for ITF Group AD Sofia's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
XBUL:ITF vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, ITF Group AD Sofia's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's Interest Coverage distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 136.17 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on ITF Group AD Sofia and its competitors. This is 41% above median its historical median of 96.37. Over the past decade, ITF Group AD Sofia's Interest Coverage has ranged from 77.88 to 215.73. According to the industry distribution chart, ITF Group AD Sofia ranks #75 out of 164 companies in the Credit Services industry, placing it in the top 45.7%.
Is ITF Group AD Sofia's Interest Coverage too high?
ITF Group AD Sofia's current Interest Coverage of 136.17 is 41% above median its 10-year median of 96.37. Over the past 10 years, this metric has ranged from a low of 77.88 to a high of 215.73. The Credit Services industry median Interest Coverage is 55.32. ITF Group AD Sofia's value of 136.17 is 146.1% above this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #75 out of 164 companies in the Credit Services industry, which is above the industry midpoint. 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #75 out of 164 companies for Interest Coverage. This puts ITF Group AD Sofia in the upper half of its industry. The industry median Interest Coverage is 55.32. ITF Group AD Sofia's value of 136.17 is 146.1% above this benchmark. Historically, ITF Group AD Sofia's own Interest Coverage has ranged from 77.88 to 215.73 over the past decade. While the company's 10-year median is 96.37 vs. the industry median of 55.32, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 55.32, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ITF Group AD Sofia's current Interest Coverage of 136.17 is 146.1% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on ITF Group AD Sofia and its competitors. For the Credit Services industry, the median Interest Coverage is 55.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current Interest Coverage is 136.17, which is 41% above median its own 10-year median of 96.37. 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 Interest Coverage of 136.17. The current Interest Coverage is 136.17, which is 41% above median its 10-year median of 96.37 and 146.1% above the Credit Services industry median of 55.32. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current Interest Coverage is 136.17 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
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