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ITF Group AD SofiaXBUL:ITF -2.26%23 3-Year RORE % is 32.66 as of Mar. 2026. GuruFocus rates XBUL:ITF with a GF Score™ of 23/100. The stock has 4 warning signs investors should review. Among 518 Credit Services companies, ITF Group AD Sofia ranks better than 74.9% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
ITF Group AD Sofia's 3-Year RORE % for the quarter that ended in Mar. 2026 was 32.66%.
The industry rank for ITF Group AD Sofia's 3-Year RORE % or its related term are showing as below:
XBUL:ITF's 3-Year RORE % is ranked better than 74.9% of 518
companies
in the Credit Services industry
Industry Median: 7.865
vs XBUL:ITF: 32.66
ITF Group AD Sofia (XBUL:ITF) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
ITF Group AD Sofia 3-Year RORE % Related Terms
ITF Group AD Sofia 3-Year RORE % Historical Data
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The historical data trend for ITF Group AD Sofia's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ITF Group AD Sofia's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where ITF Group AD Sofia's 3-Year RORE % falls into.
* 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
ITF Group AD Sofia (XBUL:ITF) has a 3-Year RORE % of 32.66 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on ITF Group AD Sofia and its competitors. According to the industry distribution chart, ITF Group AD Sofia ranks #130 out of 518 companies in the Credit Services industry, placing it in the top 25.1%.
Is ITF Group AD Sofia's 3-Year RORE % too high?
ITF Group AD Sofia's current 3-Year RORE % is 32.66. The Credit Services industry median 3-Year RORE % is 7.87. ITF Group AD Sofia's value of 32.66 is 315.3% above this industry median. Based on the distribution chart, ITF Group AD Sofia ranks #130 out of 518 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 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, ITF Group AD Sofia ranks #130 out of 518 companies for 3-Year RORE %. This puts ITF Group AD Sofia in the upper half of its industry. The industry median 3-Year RORE % is 7.87. ITF Group AD Sofia's value of 32.66 is 315.3% 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 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 7.87, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ITF Group AD Sofia's current 3-Year RORE % of 32.66 is 315.3% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on ITF Group AD Sofia and its competitors. For the Credit Services industry, the median 3-Year RORE % is 7.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ITF Group AD Sofia's current 3-Year RORE % is 32.66. 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 3-Year RORE % of 32.66. The current 3-Year RORE % is 32.66 and 315.3% above the Credit Services industry median of 7.87. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For ITF Group AD Sofia (XBUL:ITF), the current 3-Year RORE % is 32.66 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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