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ITF Group AD SofiaXBUL:ITF +2.31%23 Net Current Asset Value is €-2.16 as of Mar. 2026. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 278 Credit Services companies, ITF Group AD Sofia ranks worse than 359711.87% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
ITF Group AD Sofia's net current asset value per share for the quarter that ended in Mar. 2026 was €-2.16.
The historical rank and industry rank for ITF Group AD Sofia's Net Current Asset Value or its related term are showing as below:
During the past 4 years, the highest Price-to-Net-Current-Asset-Value Ratio of ITF Group AD Sofia was 4.17. The lowest was 2.94. And the median was 3.61.
XBUL:ITF's Price-to-Net-Current-Asset-Value is not ranked *
in the Credit Services industry.
Industry Median: 2.02 * Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
ITF Group AD Sofia (XBUL:ITF) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
ITF Group AD Sofia Net Current Asset Value Related Terms
ITF Group AD Sofia Net Current Asset Value Historical Data
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The historical data trend for ITF Group AD Sofia's Net Current Asset Value 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.
XBUL:ITF vs V, MA, AXP: Net Current Asset Value Comparison
For the Credit Services subindustry, ITF Group AD Sofia's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-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.
ITF Group AD Sofia Price-to-Net-Current-Asset-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's Price-to-Net-Current-Asset-Value 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.
What does a Net Current Asset Value of €-2.16 mean?
ITF Group AD Sofia (XBUL:ITF) has a Net Current Asset Value of €-2.16 as of Mar. 2026. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on ITF Group AD Sofia and its competitors. Over the past decade, ITF Group AD Sofia's Net Current Asset Value has ranged from 2.94 to 4.17. According to the industry distribution chart, ITF Group AD Sofia ranks #999999 out of 278 companies in the Credit Services industry.
Is ITF Group AD Sofia's Net Current Asset Value too high?
ITF Group AD Sofia's current Net Current Asset Value is €-2.16. Over the past 10 years, this metric has ranged from a low of 2.94 to a high of 4.17. Based on the distribution chart, ITF Group AD Sofia ranks #999999 out of 278 companies in the Credit Services industry, which is in the bottom quartile 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 Net Current Asset Value compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #999999 out of 278 companies for Net Current Asset Value. This places ITF Group AD Sofia in the lower half of its industry. The industry median Net Current Asset Value is 2.02. Historically, ITF Group AD Sofia's own Net Current Asset Value has ranged from 2.94 to 4.17 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 Net Current Asset Value for a Credit Services company?
The median Net Current Asset Value among Credit Services companies is 2.02, based on 278 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset 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 Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on ITF Group AD Sofia and its competitors. For the Credit Services industry, the median Net Current Asset Value is 2.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current Net Current Asset Value is €-2.16. 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 Net Current Asset Value of €-2.16. The current Net Current Asset Value is €-2.16. 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 Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current Net Current Asset Value is €-2.16 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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