Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ELANA Agrocredit AD SofiaXBUL:EAC 31 PS Ratio is 2.42 as of Aug. 18, 2026, which is 33% below its 10-year median of 3.62. 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 523 Credit Services companies, ELANA Agrocredit AD Sofia ranks better than 57.36% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, ELANA Agrocredit AD Sofia's share price is €0.53.
ELANA Agrocredit AD Sofia's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was €0.22. Hence, ELANA Agrocredit AD Sofia's PS Ratio for today is 2.42.
Good Sign:
ELANA Agrocredit AD Sofia stock PS Ratio (=2.42) is close to 5-year low of 2.33.
The historical rank and industry rank for ELANA Agrocredit AD Sofia's PS Ratio or its related term are showing as below:
XBUL:EAC'
s PS Ratio Range Over the Past 10 Years
Min: 2.01 Med: 3.62 Max: 16.8
Current: 2.42
During the past 13 years, ELANA Agrocredit AD Sofia's highest PS Ratio was 16.80. The lowest was 2.01. And the median was 3.62.
XBUL:EAC's PS Ratio is ranked better than 57.36% of 523
companies
in the Credit Services industry
Industry Median: 2.93
vs XBUL:EAC: 2.42
ELANA Agrocredit AD Sofia revenue per share has been in decline over the past 3 years.
During the past 12 months, the average Revenue per Share Growth Rate of ELANA Agrocredit AD Sofia was -17.70% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -2.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 2.60% per year.
During the past 10 years, the average Revenue per Share Growth Rate was -1.40% per year.
During the past 13 years, ELANA Agrocredit AD Sofia's highest 3-Year average Revenue per Share Growth Rate was 213.60% per year. The lowest was -45.80% per year. And the median was -10.30% per year.
ELANA Agrocredit AD Sofia (XBUL:EAC) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
ELANA Agrocredit AD Sofia PS Ratio Related Terms
ELANA Agrocredit AD Sofia PS Ratio Historical Data
* 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, ELANA Agrocredit AD Sofia's PS Ratio, along with its competitors' market caps and PS 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.
ELANA Agrocredit AD Sofia PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's PS Ratio distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
ELANA Agrocredit AD Sofia's Share Price of today is €0.53. ELANA Agrocredit AD Sofia's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.22.
* 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:
ELANA Agrocredit AD Sofia (XBUL:EAC) has a PS Ratio of 2.42 as of Aug. 18, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on ELANA Agrocredit AD Sofia and its competitors. This is 33% below median its historical median of 3.62. Over the past decade, ELANA Agrocredit AD Sofia's PS Ratio has ranged from 2.01 to 16.80. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #223 out of 523 companies in the Credit Services industry, placing it in the top 42.6%.
Is ELANA Agrocredit AD Sofia's PS Ratio too high?
ELANA Agrocredit AD Sofia's current PS Ratio of 2.42 is 33% below median its 10-year median of 3.62. Over the past 10 years, this metric has ranged from a low of 2.01 to a high of 16.80. The Credit Services industry median PS Ratio is 2.93. ELANA Agrocredit AD Sofia's value of 2.42 is 17.4% below this industry median. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #223 out of 523 companies in the Credit Services industry, which is above 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 PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #223 out of 523 companies for PS Ratio. This puts ELANA Agrocredit AD Sofia in the upper half of its industry. The industry median PS Ratio is 2.93. ELANA Agrocredit AD Sofia's value of 2.42 is 17.4% below this benchmark. Historically, ELANA Agrocredit AD Sofia's own PS Ratio has ranged from 2.01 to 16.80 over the past decade. While the company's 10-year median is 3.62 vs. the industry median of 2.93, ELANA Agrocredit AD Sofia has consistently been below 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.93, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ELANA Agrocredit AD Sofia's current PS Ratio of 2.42 is 17.4% below 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on ELANA Agrocredit AD Sofia and its competitors. For the Credit Services industry, the median PS Ratio is 2.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current PS Ratio is 2.42, which is 33% below median its own 10-year median of 3.62. 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 PS Ratio is 2.42, which is 33% below median its 10-year median of 3.62 and 17.4% below the Credit Services industry median of 2.93. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For ELANA Agrocredit AD Sofia (XBUL:EAC), the current PS Ratio is 2.42 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.
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:
PS Ratio: 2.42 (33% below median its 10-year median of 3.62)
GF Value™: €0.64 vs. price of €0.53 (17.2% below fair value)
Industry Position: 17.4% below the Credit Services median (#223 of 523)
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.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XBUL:EAC has been successfully added to your 
