Sign up to access all valuation multiples
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.
2012
71
Last FY Revenue $15.8M
Last FY EBITDA $2.9M
$21.3M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
In the most recent fiscal year, ITF Group reported revenue of $15.8M and EBITDA of $2.9M.
ITF Group expects next 12-month revenue of XXX and NTM EBITDA of XXX
See ITF Group valuation multiples based on analyst estimates| NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|
| Revenue | XXX | $15.8M | XXX | XXX | XXX |
| Gross Profit | XXX | $11.8M | XXX | XXX | XXX |
| Gross Margin | XXX | 75% | XXX | XXX | XXX |
| EBITDA | XXX | $2.9M | XXX | XXX | XXX |
| EBITDA Margin | XXX | 18% | XXX | XXX | XXX |
| EBIT | XXX | $3.7M | XXX | XXX | XXX |
| EBIT Margin | XXX | 23% | XXX | XXX | XXX |
| Net Profit | XXX | $2.2M | XXX | XXX | XXX |
| Net Margin | XXX | 14% | XXX | XXX | XXX |
| Net Debt | XXX | $5.2M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
ITF Group has current market cap of BGN 21.7M (or $13.0M), and EV of BGN 35.6M (or $21.3M).
As of September 26, 2025, ITF Group's stock price is BGN 6 (or $4).
See ITF Group trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $21.3M | $13.0M | XXX | XXX | XXX | XXX | n/a |
Sign up to access valuation multiples like growth-adjusted P/E, next 12-month EV/Revenue, EBITDA multiples by industry and many more
Start Free TrialITF Group's trades at 1.4x EV/Revenue multiple, and 7.5x EV/EBITDA.
See valuation multiples for ITF Group and 15K+ public compsAs of September 26, 2025, ITF Group has market cap of $13.0M and EV of $21.3M.
Equity research analysts estimate ITF Group's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
ITF Group's P/E ratio is not available.
| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $13.0M | XXX | $13.0M | XXX | XXX | XXX |
| EV (current) | $21.3M | XXX | $21.3M | XXX | XXX | XXX |
| EV/Revenue | n/a | XXX | 1.4x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | 7.5x | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | 5.8x | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | n/a | XXX | 6.1x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | -23.4x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialITF Group's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged $0.1M for the same period.
ITF Group's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
ITF Group's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for ITF Group and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | 18% | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.1M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 3% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 51% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Australian Finance Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Credit Corp Gr | XXX | XXX | XXX | XXX | XXX | XXX |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| COG Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| EarlyPay | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
ITF Group acquired XXX companies to date.
Last acquisition by ITF Group was XXXXXXXX, XXXXX XXXXX XXXXXX . ITF Group acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
Sign up to see revenue and EBITDA valuation multiples for 65K+ M&A deals.
Start Free Trial| When was ITF Group founded? | ITF Group was founded in 2012. |
| Where is ITF Group headquartered? | ITF Group is headquartered in Bulgaria. |
| How many employees does ITF Group have? | As of today, ITF Group has 71 employees. |
| Is ITF Group publicy listed? | Yes, ITF Group is a public company listed on BUL. |
| What is the stock symbol of ITF Group? | ITF Group trades under ITF ticker. |
| When did ITF Group go public? | ITF Group went public in 2023. |
| Who are competitors of ITF Group? | Similar companies to ITF Group include e.g. Australian Finance Group, Credit Corp Gr, Credit Clear, COG Financial Services. |
| What is the current market cap of ITF Group? | ITF Group's current market cap is $13.0M |
| Is ITF Group profitable? | Yes, ITF Group is EBITDA-positive (as of the last 12 months). |
Get access to always up-to-date, precisely categorized 70K+ public and private valuation multiples, across tech and beyond.
