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ITF Group AD SofiaXBUL:ITF -2.26%23 ROC (Joel Greenblatt) % is 140.72% as of Mar. 2026, which is 501% above its 10-year median of 23.43. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 419 Credit Services companies, ITF Group AD Sofia ranks better than 50.6% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. ITF Group AD Sofia's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 140.72%.
The historical rank and industry rank for ITF Group AD Sofia's ROC (Joel Greenblatt) % or its related term are showing as below:
XBUL:ITF'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 11.83 Med: 23.43 Max: 44.07
Current: 39.59
During the past 4 years, ITF Group AD Sofia's highest ROC (Joel Greenblatt) % was 44.07%. The lowest was 11.83%. And the median was 23.43%.
XBUL:ITF's ROC (Joel Greenblatt) % is ranked better than 50.6% of 419
companies
in the Credit Services industry
Industry Median: 35.73
vs XBUL:ITF: 39.59
ITF Group AD Sofia's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% per year.
ITF Group AD Sofia (XBUL:ITF) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
ITF Group AD Sofia ROC (Joel Greenblatt) % Related Terms
ITF Group AD Sofia ROC (Joel Greenblatt) % Historical Data
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The historical data trend for ITF Group AD Sofia's ROC (Joel Greenblatt) % 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.
XBUL:ITF vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, ITF Group AD Sofia's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's ROC (Joel Greenblatt) % falls into.
ITF Group AD Sofia ROC (Joel Greenblatt) % Calculation
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Mar. 2026) EBIT 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.
What does a ROC (Joel Greenblatt) % of 140.72% mean?
ITF Group AD Sofia (XBUL:ITF) has a ROC (Joel Greenblatt) % of 140.72% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on ITF Group AD Sofia and its competitors. This is 501% above median its historical median of 23.43. Over the past decade, ITF Group AD Sofia's ROC (Joel Greenblatt) % has ranged from 11.83 to 44.07. According to the industry distribution chart, ITF Group AD Sofia ranks #207 out of 419 companies in the Credit Services industry, placing it in the top 49.4%.
Is ITF Group AD Sofia's ROC (Joel Greenblatt) % too high?
ITF Group AD Sofia's current ROC (Joel Greenblatt) % of 140.72% is 501% above median its 10-year median of 23.43. Over the past 10 years, this metric has ranged from a low of 11.83 to a high of 44.07. The Credit Services industry median ROC (Joel Greenblatt) % is 35.73. ITF Group AD Sofia's value of 140.72% is 293.8% above this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #207 out of 419 companies in the Credit Services industry, which is above the industry midpoint. 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #207 out of 419 companies for ROC (Joel Greenblatt) %. This puts ITF Group AD Sofia in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 35.73. ITF Group AD Sofia's value of 140.72% is 293.8% above this benchmark. Historically, ITF Group AD Sofia's own ROC (Joel Greenblatt) % has ranged from 11.83 to 44.07 over the past decade. While the company's 10-year median is 23.43 vs. the industry median of 35.73, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 35.73, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ITF Group AD Sofia's current ROC (Joel Greenblatt) % of 140.72% is 293.8% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on ITF Group AD Sofia and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 35.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current ROC (Joel Greenblatt) % is 140.72%, which is 501% above median its own 10-year median of 23.43. 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 ROC (Joel Greenblatt) % of 140.72%. The current ROC (Joel Greenblatt) % is 140.72%, which is 501% above median its 10-year median of 23.43 and 293.8% above the Credit Services industry median of 35.73. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current ROC (Joel Greenblatt) % is 140.72% 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 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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