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ITF Group AD SofiaXBUL:ITF -2.26%23 PB Ratio is 2.28 as of Aug. 18, 2026, which is 20% below its 10-year median of 2.86. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 526 Credit Services companies, ITF Group AD Sofia ranks worse than 79.09% on this metric.
The historical rank and industry rank for ITF Group AD Sofia's PB Ratio or its related term are showing as below:
XBUL:ITF'
s PB Ratio Range Over the Past 10 Years
Min: 1.72 Med: 2.86 Max: 3.47
Current: 2.33
During the past 4 years, ITF Group AD Sofia's highest PB Ratio was 3.47. The lowest was 1.72. And the median was 2.86.
XBUL:ITF's PB Ratio is ranked worse than 79.09% of 526
companies
in the Credit Services industry
Industry Median: 1.055
vs XBUL:ITF: 2.33
During the past 12 months, ITF Group AD Sofia's average Book Value Per Share Growth Rate was 32.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 29.60% per year.
During the past 4 years, the highest 3-Year average Book Value Per Share Growth Rate of ITF Group AD Sofia was 29.60% per year. The lowest was 29.60% per year. And the median was 29.60% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
ITF Group AD Sofia PB Ratio Related Terms
ITF Group AD Sofia PB Ratio Historical Data
* Premium members only.
The historical data trend for ITF Group AD Sofia's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's PB Ratio distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
ITF Group AD Sofia (XBUL:ITF) has a PB Ratio of 2.28 as of Aug. 18, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on ITF Group AD Sofia and its competitors. This is 20% below median its historical median of 2.86. Over the past decade, ITF Group AD Sofia's PB Ratio has ranged from 1.72 to 3.47. According to the industry distribution chart, ITF Group AD Sofia ranks #416 out of 526 companies in the Credit Services industry, placing it in the top 79.1%.
Is ITF Group AD Sofia's PB Ratio too high?
ITF Group AD Sofia's current PB Ratio of 2.28 is 20% below median its 10-year median of 2.86. Over the past 10 years, this metric has ranged from a low of 1.72 to a high of 3.47. The Credit Services industry median PB Ratio is 1.06. ITF Group AD Sofia's value of 2.28 is 116.1% above this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #416 out of 526 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #416 out of 526 companies for PB Ratio. This places ITF Group AD Sofia in the lower half of its industry. The industry median PB Ratio is 1.06. ITF Group AD Sofia's value of 2.28 is 116.1% above this benchmark. Historically, ITF Group AD Sofia's own PB Ratio has ranged from 1.72 to 3.47 over the past decade. While the company's 10-year median is 2.86 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 526 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ITF Group AD Sofia's current PB Ratio of 2.28 is 116.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on ITF Group AD Sofia and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current PB Ratio is 2.28, which is 20% below median its own 10-year median of 2.86. 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 PB Ratio of 2.28. The current PB Ratio is 2.28, which is 20% below median its 10-year median of 2.86 and 116.1% above the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current PB Ratio is 2.28 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.
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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