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ELANA Agrocredit AD SofiaXBUL:EAC 31 Median PS Value is €0.78 as of Aug. 18, 2026, which is 100% below its 10-year median of 0.83. 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 290 Credit Services companies, ELANA Agrocredit AD Sofia ranks better than 70.69% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for ELANA Agrocredit AD Sofia's Median PS Value or its related term are showing as below:
XBUL:EAC'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.68 Med: 0.83 Max: 1.47
Current: 0.68
During the past 13 years, the highest Price to Median PS Value of ELANA Agrocredit AD Sofia was 1.47. The lowest was 0.68. And the median was 0.83.
XBUL:EAC's Price-to-Median-PS-Value is ranked better than 70.69% of 290
companies
in the Credit Services industry
Industry Median: 0.955
vs XBUL:EAC: 0.68
ELANA Agrocredit AD Sofia (XBUL:EAC) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
ELANA Agrocredit AD Sofia's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
0.53
/
0.78
=
0.68
* 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.
ELANA Agrocredit AD Sofia Median PS Value Related Terms
ELANA Agrocredit AD Sofia Median PS Value 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.
XBUL:EAC vs V, MA, AXP: Median PS Value Comparison
For the Credit Services subindustry, ELANA Agrocredit AD Sofia's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 3.5616.
ELANA Agrocredit AD Sofia's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.219.
* 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.
ELANA Agrocredit AD Sofia (XBUL:EAC) has a Median PS Value of €0.78 as of Aug. 18, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on ELANA Agrocredit AD Sofia and its competitors. This is near median its historical median of 0.83. Over the past decade, ELANA Agrocredit AD Sofia's Median PS Value has ranged from 0.68 to 1.47. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #85 out of 290 companies in the Credit Services industry, placing it in the top 29.3%.
Is ELANA Agrocredit AD Sofia's Median PS Value too high?
ELANA Agrocredit AD Sofia's current Median PS Value of €0.78 is near median its 10-year median of 0.83. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 1.47. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #85 out of 290 companies in the Credit Services industry, which is above the industry midpoint. 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 Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #85 out of 290 companies for Median PS Value. This puts ELANA Agrocredit AD Sofia in the upper half of its industry. The industry median Median PS Value is 0.96. Historically, ELANA Agrocredit AD Sofia's own Median PS Value has ranged from 0.68 to 1.47 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.96, based on 290 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on ELANA Agrocredit AD Sofia and its competitors. For the Credit Services industry, the median Median PS Value is 0.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current Median PS Value is €0.78, which is near median its own 10-year median of 0.83. 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 Median PS Value is €0.78, which is near median its 10-year median of 0.83. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For ELANA Agrocredit AD Sofia (XBUL:EAC), the current Median PS Value is €0.78 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.
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:
Median PS Value: €0.78 (near median its 10-year median of 0.83)
GF Value™: €0.64 vs. price of €0.53 (17.2% below fair value)
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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