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ITF Group AD SofiaXBUL:ITF -2.26%23 PS Ratio is 1.17 as of Aug. 18, 2026, which is 19% below its 10-year median of 1.45. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 523 Credit Services companies, ITF Group AD Sofia ranks better than 79.35% 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, ITF Group AD Sofia's share price is €6.50.
ITF Group AD Sofia's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €5.55. Hence, ITF Group AD Sofia's PS Ratio for today is 1.17.
The historical rank and industry rank for ITF Group AD Sofia's PS Ratio or its related term are showing as below:
XBUL:ITF'
s PS Ratio Range Over the Past 10 Years
Min: 0.86 Med: 1.45 Max: 2.1
Current: 1.2
During the past 4 years, ITF Group AD Sofia's highest PS Ratio was 2.10. The lowest was 0.86. And the median was 1.45.
XBUL:ITF's PS Ratio is ranked better than 79.35% of 523
companies
in the Credit Services industry
Industry Median: 2.93
vs XBUL:ITF: 1.20
During the past 4 years, ITF Group AD Sofia's highest 3-Year average Revenue per Share Growth Rate was 49.90% per year. The lowest was 49.90% per year. And the median was 49.90% per year.
ITF Group AD Sofia (XBUL:ITF) 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.
ITF Group AD Sofia PS Ratio Related Terms
ITF Group AD Sofia PS Ratio Historical Data
* Premium members only.
The historical data trend for ITF Group AD Sofia's PS 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 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.
ITF Group AD Sofia PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's PS Ratio distribution charts can be found below:
* The bar in red indicates where ITF Group 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.
ITF Group AD Sofia's Share Price of today is €6.50. ITF Group AD Sofia's Revenue per Share 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 €5.55.
* 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:
ITF Group AD Sofia (XBUL:ITF) has a PS Ratio of 1.17 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 ITF Group AD Sofia and its competitors. This is 19% below median its historical median of 1.45. Over the past decade, ITF Group AD Sofia's PS Ratio has ranged from 0.86 to 2.10. According to the industry distribution chart, ITF Group AD Sofia ranks #108 out of 523 companies in the Credit Services industry, placing it in the top 20.7%.
Is ITF Group AD Sofia's PS Ratio too high?
ITF Group AD Sofia's current PS Ratio of 1.17 is 19% below median its 10-year median of 1.45. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 2.10. The Credit Services industry median PS Ratio is 2.93. ITF Group AD Sofia's value of 1.17 is 60.1% below this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #108 out of 523 companies in the Credit Services industry, which is in the top quartile — a strong position 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 PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #108 out of 523 companies for PS Ratio. This places ITF Group AD Sofia in the top 21% of its industry — outperforming the majority of peers. The industry median PS Ratio is 2.93. ITF Group AD Sofia's value of 1.17 is 60.1% below this benchmark. Historically, ITF Group AD Sofia's own PS Ratio has ranged from 0.86 to 2.10 over the past decade. While the company's 10-year median is 1.45 vs. the industry median of 2.93, ITF Group 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. ITF Group AD Sofia's current PS Ratio of 1.17 is 60.1% 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 ITF Group 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. ITF Group AD Sofia's current PS Ratio is 1.17, which is 19% below median its own 10-year median of 1.45. 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 PS Ratio of 1.17. The current PS Ratio is 1.17, which is 19% below median its 10-year median of 1.45 and 60.1% below the Credit Services industry median of 2.93. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current PS Ratio is 1.17 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.
23GF Score
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