ITF Group AD Sofia (XBUL:ITF) Operating Income: €11.99 Mil (TTM As of Mar. 2026)

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XBUL:ITF ITF Group AD Sofia XBUL:ITF
23 GF Score
Price €6.50
! 4 Warning Signs
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What is ITF Group AD Sofia Operating Income?

ITF Group AD Sofia XBUL:ITF -2.26% 23 Operating Income is €11.99 Mil as of Mar. 2026. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review.

ITF Group AD Sofia's Operating Income for the three months ended in Mar. 2026 was €3.27 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was €11.99 Mil.

Operating Margin % is calculated as Operating Income divided by its Revenue. ITF Group AD Sofia's Operating Income for the three months ended in Mar. 2026 was €3.27 Mil. ITF Group AD Sofia's Revenue for the three months ended in Mar. 2026 was €5.15 Mil. Therefore, ITF Group AD Sofia's Operating Margin % for the quarter that ended in Mar. 2026 was 63.51%.

ITF Group AD Sofia's 5-Year average Growth Rate for Operating Margin % was 0.00% per year.

Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. ITF Group AD Sofia's annualized ROC % for the quarter that ended in Mar. 2026 was 45.58%. ITF Group AD Sofia's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 140.72%.

ITF Group AD Sofia  (XBUL:ITF) Operating Income Explanation

1. Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

ITF Group AD Sofia's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=13.072 * ( 1 - 0% )/( (27.165 + 30.191)/ 2 )
=13.072/28.678
=45.58 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=30.161 - 0.156 - ( 2.84 - max(0, 9.799 - 17.087+2.84))
=27.165

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=36.418 - 0.187 - ( 6.04 - max(0, 10.051 - 18.873+6.04))
=30.191

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ITF Group AD Sofia's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=3.86/( ( (0.17 + max(5.182, 0)) + (0.134 + max(-7.769, 0)) )/ 2 )
=3.86/( ( 5.352 + 0.134 )/ 2 )
=3.86/2.743
=140.72 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(11.707 + 0 + 1.513) - (0.156 + 0 + 7.882)
=5.182

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0.234) - (0.187 + 0 + 7.816)
=-7.769

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. Operating Income is also linked to Operating Margin %:

ITF Group AD Sofia's Operating Margin % for the quarter that ended in Mar. 2026 is calculated as:

Operating Margin %=Operating Income (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=3.268/5.146
=63.51 %

* 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.

4. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Operating Income growth rate using Operating Income per share data.

Be Aware

Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.

ITF Group AD Sofia Operating Income Related Terms

ITF Group AD Sofia Operating Income Historical Data

* Premium members only.

The historical data trend for ITF Group AD Sofia's Operating Income 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 Operating Income Chart

ITF Group AD Sofia Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Operating Income
2.37 4.28 7.94 11.00

ITF Group AD Sofia Quarterly Data
Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Operating Income 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 2.28 2.50 2.95 3.27 3.27
XBUL:ITF
23GF Score
ITF Group AD Sofia XBUL:ITF
Operating Income is just one metric. See GF Score™, valuation, warning signs, and more.
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ITF Group AD Sofia Operating Income Calculation

Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.

Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €11.99 Mil.

* 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 Operating Income →
What does a Operating Income of €11.99 Mil mean?
ITF Group AD Sofia (XBUL:ITF) has a Operating Income of €11.99 Mil as of Mar. 2026. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on ITF Group AD Sofia and its competitors.
Is ITF Group AD Sofia's Operating Income too high?
ITF Group AD Sofia's current Operating Income is €11.99 Mil. 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 Operating Income compare to V and MA?
ITF Group AD Sofia's Operating Income of €11.99 Mil 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 Operating Income for a Credit Services company?
A good Operating Income depends on the Credit Services industry context. However, Operating Income 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 Operating Income mean?
A high Operating Income can signal that a stock is expensive relative to its fundamentals. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on ITF Group AD Sofia and its competitors. ITF Group AD Sofia's current Operating Income is €11.99 Mil. 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 Operating Income of €11.99 Mil. The current Operating Income is €11.99 Mil. 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 Operating Income calculated?
Operating Income is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current Operating Income is €11.99 Mil 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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Operating Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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