ITF Group AD Sofia (XBUL:ITF) ROCE %: 16.52% (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 ROCE %?

ITF Group AD Sofia XBUL:ITF -2.26% 23 ROCE % is 16.52% as of Mar. 2026. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. ITF Group AD Sofia's annualized ROCE % for the quarter that ended in Mar. 2026 was 16.52%.

ITF Group AD Sofia  (XBUL:ITF) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

ITF Group AD Sofia ROCE % Related Terms

ITF Group AD Sofia ROCE % Historical Data

* Premium members only.

The historical data trend for ITF Group AD Sofia's ROCE % 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 ROCE % Chart

ITF Group AD Sofia Annual Data
Trend Dec22 Dec23 Dec24 Dec25
ROCE %
9.65 16.82 22.11 19.95

ITF Group AD Sofia Quarterly Data
Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % 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 21.79 17.47 15.12 19.99 16.52
XBUL:ITF
23GF Score
ITF Group AD Sofia XBUL:ITF
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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ITF Group AD Sofia ROCE % Calculation

ITF Group AD Sofia's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=3.215/( ( (19.928 - 8.054) + (30.161 - 9.799) )/ 2 )
=3.215/( (11.874+20.362)/ 2 )
=3.215/16.118
=19.95 %

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

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=3.86/( ( (30.161 - 9.799) + (36.418 - 10.051) )/ 2 )
=3.86/( ( 20.362 + 26.367 )/ 2 )
=3.86/23.3645
=16.52 %

(1) 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 16.52% mean?
ITF Group AD Sofia (XBUL:ITF) has a ROCE % of 16.52% as of Mar. 2026.
Is ITF Group AD Sofia's ROCE % too high?
ITF Group AD Sofia's current ROCE % is 16.52%. The Credit Services industry median ROCE % is 3.66. ITF Group AD Sofia's value of 16.52% is 351.4% above this industry median. 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 ROCE % compare to V and MA?
ITF Group AD Sofia's ROCE % of 16.52% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.66. ITF Group AD Sofia's value of 16.52% is 351.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.66, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ITF Group AD Sofia's current ROCE % of 16.52% is 351.4% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current ROCE % is 16.52%. 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 ROCE % of 16.52%. The current ROCE % is 16.52% and 351.4% above the Credit Services industry median of 3.66. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current ROCE % is 16.52% 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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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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