ELANA Agrocredit AD Sofia (XBUL:EAC) OCF Margin %: -20.15% (As of Jun. 2026)

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XBUL:EAC ELANA Agrocredit AD Sofia XBUL:EAC
31 GF Score
Price €0.53
GF Value €0.64
Valuation Modestly Undervalued
! 9 Warning Signs
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What is ELANA Agrocredit AD Sofia OCF Margin %?

ELANA Agrocredit AD Sofia XBUL:EAC 31 OCF Margin % is -20.15% as of Jun. 2026. 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 536 Credit Services companies, ELANA Agrocredit AD Sofia ranks worse than 67.91% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. ELANA Agrocredit AD Sofia's Cash Flow from Operations for the three months ended in Jun. 2026 was €-0.81 Mil. ELANA Agrocredit AD Sofia's Revenue for the three months ended in Jun. 2026 was €4.02 Mil. Therefore, ELANA Agrocredit AD Sofia's OCF Margin % for the quarter that ended in Jun. 2026 was -20.15%.

As of today, ELANA Agrocredit AD Sofia's current OCF Yield % is -8.45%.

The historical rank and industry rank for ELANA Agrocredit AD Sofia's OCF Margin % or its related term are showing as below:

XBUL:EAC' s OCF Margin % Range Over the Past 10 Years
Min: -411.89   Med: -27.56   Max: 28.79
Current: -20.46


During the past 13 years, the highest OCF Margin % of ELANA Agrocredit AD Sofia was 28.79%. The lowest was -411.89%. And the median was -27.56%.

XBUL:EAC's OCF Margin % is ranked worse than
67.91% of 536 companies
in the Credit Services industry
Industry Median: 2.36 vs XBUL:EAC: -20.46


ELANA Agrocredit AD Sofia OCF Margin % Related Terms


ELANA Agrocredit AD Sofia OCF Margin % Historical Data

* Premium members only.

The historical data trend for ELANA Agrocredit AD Sofia's OCF 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.

ELANA Agrocredit AD Sofia OCF Margin % Chart

ELANA Agrocredit AD Sofia Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 28.79 -64.15 -44.85 -36.16 3.51

ELANA Agrocredit AD Sofia Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
OCF Margin % 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 Premium Member Only Premium Member Only Premium Member Only 15.72 150.92 -51.87 -171.20 -20.15

XBUL:EAC vs V, MA, AXP: OCF Margin % Comparison

For the Credit Services subindustry, ELANA Agrocredit AD Sofia's OCF Margin %, along with its competitors' market caps and OCF 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.


ELANA Agrocredit AD Sofia OCF Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's OCF Margin % distribution charts can be found below:

* The bar in red indicates where ELANA Agrocredit AD Sofia's OCF Margin % falls into.


XBUL:EAC
31GF Score
ELANA Agrocredit AD Sofia XBUL:EAC
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ELANA Agrocredit AD Sofia OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

ELANA Agrocredit AD Sofia's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=0.346/9.851
=3.51 %

ELANA Agrocredit AD Sofia's OCF Margin for the quarter that ended in Jun. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Jun. 2026 )/Revenue (Q: Jun. 2026 )
=-0.81/4.019
=-20.15 %

* 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 OCF Margin % →
What does a OCF Margin % of -20.15% mean?
ELANA Agrocredit AD Sofia (XBUL:EAC) has a OCF Margin % of -20.15% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on ELANA Agrocredit AD Sofia and its competitors. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #364 out of 536 companies in the Credit Services industry, placing it in the top 67.9%.
Is ELANA Agrocredit AD Sofia's OCF Margin % too high?
ELANA Agrocredit AD Sofia's current OCF Margin % is -20.15%. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #364 out of 536 companies in the Credit Services industry, which is below 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 OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #364 out of 536 companies for OCF Margin %. This places ELANA Agrocredit AD Sofia in the lower half of its industry. The industry median OCF Margin % is 2.36. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.36, based on 536 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on ELANA Agrocredit AD Sofia and its competitors. For the Credit Services industry, the median OCF Margin % is 2.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current OCF Margin % is -20.15%. 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 OCF Margin % is -20.15%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For ELANA Agrocredit AD Sofia (XBUL:EAC), the current OCF Margin % is -20.15% as of Jun. 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:

  • OCF Margin %: -20.15%
  • GF Value™: €0.64 vs. price of €0.53 (17.2% below fair value)
  • GF Score™: 31/100 with 9 warning signs

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.


ELANA Agrocredit AD Sofia Business Description

Address 5, Lachezar Stanchev Street, Sopharma Business Towers, Tower B, Floor 12, Sofia, BGR, 1756
ELANA Agrocredit AD Sofia offers loans to farmers for the purchase of agricultural land.
31GF Score

Get the complete analysis for XBUL:EAC

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.53
Price
€0.64
GF Value