BUL/ITF (BUL/ITF)

Bulgarian Stock Exchange: BUL/ITF · EUR

€6.25

-0.15 (-2.3%)· Recorded snapshot

Market cap	21.9M
Revenue (ttm)	11.6M
Net income (ttm)	4.3M
EPS (ttm)	€1.23
Shares out	3.5M
P/E (trailing)	5.1x
Dividend	€0.18 (2.94%)
Volume	240
Beta	0.67

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 11.6M
Net income (ttm): 4.3M
EPS (ttm): €1.23
P/E (trailing): 5.1x
Market cap: 21.9M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E5.1

P25 n/aP50 n/aP75 n/a

ROE43.3

P25 n/aP50 n/aP75 n/a

ROIC14

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BUL/ITF indicators

Market & fundamental data

Available fields

165

Groups with data

Currency

EUR

Showing 165 of 165 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	Bulgaria
Country code	BG
Earnings date	2027-01-29
Employees	81
Employees change	1
Employees growth	1.25%
Exchange	Bulgarian Stock Exchange
Financial currency	EUR
Financial report date	2026-09-30
First seen	2026-10-25
Fiscal year end	December
Founded	2012
Industry	Personal Credit Institutions
Is primary listing	Yes
ISIN number	BG1100022224
Last refreshed	2026-10-29
Market cap	EUR 21.9M
Next earnings date	2027-01-29
Price	EUR 6.25
Price currency	EUR
SIC code	6141
Stock price date	2026-10-23
Symbol	bul/ITF
Website	https://itfgroupbg.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (3Y)	5.83x
Earnings yield	19.61%
FCF yield	-8.81%
Graham number	9.47547
Graham upside	51.61%
Lynch fair value	EUR 30.64
Lynch upside	390.27%
P/B ratio	1.92x
P/E ratio	5.1x
P/S ratio	1.88x
Price / tangible book value	2.02x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross margin	91.59%
Operating margin	41.13%
Pretax margin	36.76%
Profit margin	36.86%
Profit per employee	EUR 50,469
Revenue per employee	EUR 136,926
ROA	12.02%
ROA (5Y)	7.99%
ROE	43.35%
ROE (5Y)	23.33%
ROIC	14.05%
ROIC (5Y)	13.18%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth 3Y	64.81%
EPS growth 5Y	57.62%
Net income growth	73.17%
Net income growth (Q)	40.99%
Net income growth (QoQ)	0%
Net income growth 3Y	64.81%
Net income growth 5Y	80.04%
Operating income growth	52.65%
Operating income growth (Q)	44.58%
Operating income growth 3Y	55.95%
Operating income growth 5Y	52.87%
Revenue growth	33.1%
Revenue growth (Q)	14.54%
Revenue growth (QoQ)	-1.47%
Revenue growth 3Y	34.13%
Revenue growth 5Y	36.26%

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -24,569
Depreciation and amortization	EUR 117,597
EPS	EUR 1.23
FCF per share	EUR -0.55
Financing cash flow	EUR 2.9M
Free cash flow	EUR -1.9M
Gross profit	EUR 10.7M
Investing cash flow	EUR -1M
Net borrowing	EUR 7.2M
Net cash flow	EUR -47,644
Net income	EUR 4.3M
Operating income	EUR 4.8M
Revenue	EUR 11.6M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 3.26
Debt / equity	1.95
Net cash (debt)	EUR -17.3M
Net cash / market cap	-79.18%
Net debt / equity	1.52
Piotroski F-Score	3
Property, plant and equipment	EUR 1.4M
Shareholders' equity	EUR 11.4M
Tangible book value	EUR 10.8M
Tangible book value per share	EUR 3.09
Total assets	EUR 40.9M
Total cash	EUR 4.9M
Total debt	EUR 22.2M
Total liabilities	EUR 29.5M
WACC	3.93%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.33
Current ratio	3.59
Quick ratio	3.58
Working capital	EUR 26.4M
Working capital turnover	0.5

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Dividend growth	0%
Dividend growth years	1
Dividend payment date	2026-06-15
Dividend payment years	3
Dividend payout frequency	Annual
Dividend per share	EUR 0.18
Dividend yield	2.94%
Ex-dividend date	2026-06-03
Last dividend	EUR 0.20
Payout ratio	17.38%
Shareholder yield	2.94%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	EUR 4.59
1D price change	-2.34%
1M price change	-2.34%
1M total return	-2.34%
1W price change	-1.57%
1W total return	-1.57%
1Y price change	79.8%
1Y return CAGR	85.29%
1Y total return	85.22%
20-day SMA	EUR 6.44
200-day SMA	EUR 4.11
3M price change	-8.76%
3M total return	-8.76%
50-day SMA	EUR 6.33
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 7.10
52-week high date	2026-06-03
52-week low	EUR 3.38
52-week low date	2025-10-28
6M price change	9.65%
6M total return	12.95%
All-time high	EUR 7.10
All-time high date	2026-06-03
All-time low	EUR 2.41
All-time low date	2024-04-18
Average true range (ATR)	EUR 0.13
Average volume	447.9
Beta (1Y)	0.39
Beta (2Y)	0.37
Beta (5Y)	0.67
Change from 52-week high	-11.97%
Change from 52-week low	85.19%
Change from all-time high	-11.97%
Change from all-time low	159.01%
Change from open	0%
Day's gap	-2.34%
Dollar volume	EUR 1,500
High price	EUR 6.25
Low price	EUR 6.25
Monthly RSI	72.13
Open price	EUR 6.25
Previous close	EUR 6.40
Price vs 150-day SMA	36.22%
Price vs 20-day SMA	-2.95%
Price vs 200-day SMA	52.14%
Price vs 50-day SMA	-1.31%
Relative volume	0.54
RSI	45.69
Sharpe ratio	2.27
Sortino ratio	4.07
Volume	240
Weekly RSI	68.68
YTD price change	63.23%
YTD total return	68.12%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	401.7K
Shares held by institutions	0.26%
Shares outstanding	3.5M

Deeper analysis on BUL/ITF

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BUL/ITF report

Is a complete BUL/ITF research report available?

No complete published report is available for bul/ITF (BUL/ITF) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BUL/ITF (BUL/ITF)

Price

Financial snapshot

Fair-value bridge

Latest news · BUL/ITF

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BUL/ITF indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BUL/ITF

Frequently asked questions