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ITF Group AD SofiaXBUL:ITF -2.26%23 Net Margin % is 18.29% as of Mar. 2026, which is 40% above its 10-year median of 13.11. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 537 Credit Services companies, ITF Group AD Sofia ranks better than 51.02% on this metric.
ITF Group AD Sofia (XBUL:ITF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
ITF Group AD Sofia Net Margin % Related Terms
ITF Group AD Sofia Net Margin % Historical Data
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The historical data trend for ITF Group AD Sofia's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's Net Margin % distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's Net 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.
ITF Group AD Sofia (XBUL:ITF) has a Net Margin % of 18.29% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on ITF Group AD Sofia and its competitors. This is 40% above median its historical median of 13.11. Over the past decade, ITF Group AD Sofia's Net Margin % has ranged from 11.05 to 15.86. According to the industry distribution chart, ITF Group AD Sofia ranks #263 out of 537 companies in the Credit Services industry, placing it in the top 49%.
Is ITF Group AD Sofia's Net Margin % too high?
ITF Group AD Sofia's current Net Margin % of 18.29% is 40% above median its 10-year median of 13.11. Over the past 10 years, this metric has ranged from a low of 11.05 to a high of 15.86. The Credit Services industry median Net Margin % is 15.34. ITF Group AD Sofia's value of 18.29% is 19.2% above this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #263 out of 537 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #263 out of 537 companies for Net Margin %. This puts ITF Group AD Sofia in the upper half of its industry. The industry median Net Margin % is 15.34. ITF Group AD Sofia's value of 18.29% is 19.2% above this benchmark. Historically, ITF Group AD Sofia's own Net Margin % has ranged from 11.05 to 15.86 over the past decade. While the company's 10-year median is 13.11 vs. the industry median of 15.34, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.34, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ITF Group AD Sofia's current Net Margin % of 18.29% is 19.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on ITF Group AD Sofia and its competitors. For the Credit Services industry, the median Net Margin % is 15.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current Net Margin % is 18.29%, which is 40% above median its own 10-year median of 13.11. 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 Margin % of 18.29%. The current Net Margin % is 18.29%, which is 40% above median its 10-year median of 13.11 and 19.2% above the Credit Services industry median of 15.34. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current Net Margin % is 18.29% 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.
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