ITF Group AD Sofia (XBUL:ITF) LT-Debt-to-Total-Asset: 0.45 (As of Mar. 2026)

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XBUL:ITF ITF Group AD Sofia XBUL:ITF
23 GF Score
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What is ITF Group AD Sofia LT-Debt-to-Total-Asset?

ITF Group AD Sofia XBUL:ITF -2.26% 23 LT-Debt-to-Total-Asset is 0.45 as of Mar. 2026. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. ITF Group AD Sofia's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.45.

ITF Group AD Sofia's long-term debt to total assets ratio increased from Mar. 2025 (0.24) to Mar. 2026 (0.45). It may suggest that ITF Group AD Sofia is progressively becoming more dependent on debt to grow their business.

ITF Group AD Sofia  (XBUL:ITF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

ITF Group AD Sofia LT-Debt-to-Total-Asset Related Terms

ITF Group AD Sofia LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for ITF Group AD Sofia's LT-Debt-to-Total-Asset 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.

ITF Group AD Sofia LT-Debt-to-Total-Asset Chart

ITF Group AD Sofia Annual Data
Trend Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
0.26 0.18 0.25 0.38

ITF Group AD Sofia Quarterly Data
Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.24 0.46 0.43 0.38 0.45
XBUL:ITF
23GF Score
ITF Group AD Sofia XBUL:ITF
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ITF Group AD Sofia LT-Debt-to-Total-Asset Calculation

ITF Group AD Sofia's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=11.365/30.161
=0.38

ITF Group AD Sofia's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=16.387/36.418
=0.45

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.45 mean?
ITF Group AD Sofia (XBUL:ITF) has a LT-Debt-to-Total-Asset of 0.45 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ITF Group AD Sofia and its competitors.
Is ITF Group AD Sofia's LT-Debt-to-Total-Asset too high?
ITF Group AD Sofia's current LT-Debt-to-Total-Asset is 0.45. 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 LT-Debt-to-Total-Asset compare to V and MA?
ITF Group AD Sofia's LT-Debt-to-Total-Asset of 0.45 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 LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ITF Group AD Sofia and its competitors. ITF Group AD Sofia's current LT-Debt-to-Total-Asset is 0.45. 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 LT-Debt-to-Total-Asset of 0.45. The current LT-Debt-to-Total-Asset is 0.45. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current LT-Debt-to-Total-Asset is 0.45 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 Business Description

Address 16, Srebarna Street, Park Lane Building, 8th Floor, Lozenetsn District, Sofia, BGR, 1407
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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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