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ITF Group Valuation Multiples
Discover revenue and EBITDA valuation multiples for ITF Group and similar public comparables like Butn, NEO Finance, SaveLend, Raize-Instituicao and more.
ITF Group Overview
About ITF Group
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.
Founded
2012
HQ
Employees
71
Website
Financials (LTM)
EV
$24M
ITF Group Financials
ITF Group reported last 12-month revenue of $23M and EBITDA of $4M.
In the same LTM period, ITF Group generated $10M in gross profit, $4M in EBITDA, and $4M in net income.
Revenue (LTM)
ITF Group P&L
In the most recent fiscal year, ITF Group reported revenue of $21M and EBITDA of $4M.
ITF Group expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $23M | XXX | $21M | XXX | XXX | XXX |
| Gross Profit | $10M | XXX | $8M | XXX | XXX | XXX |
| Gross Margin | 45% | XXX | 37% | XXX | XXX | XXX |
| EBITDA | $4M | XXX | $4M | XXX | XXX | XXX |
| EBITDA Margin | 20% | XXX | 20% | XXX | XXX | XXX |
| EBIT Margin | 18% | XXX | 22% | XXX | XXX | XXX |
| Net Profit | $4M | XXX | $4M | XXX | XXX | XXX |
| Net Margin | 16% | XXX | 18% | XXX | XXX | XXX |
| Net Debt | — | — | $13M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
ITF Group Stock Performance
ITF Group has current market cap of $12M, and enterprise value of $24M.
Market Cap Evolution
ITF Group's stock price is $3.50.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $24M | $12M | 0.0% | XXX | XXX | XXX | $1.08 |
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Start Free TrialITF Group Valuation Multiples
ITF Group trades at 1.0x EV/Revenue multiple, and 5.3x EV/EBITDA.
EV / Revenue (LTM)
ITF Group Financial Valuation Multiples
As of March 29, 2026, ITF Group has market cap of $12M and EV of $24M.
Equity research analysts estimate ITF Group's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
ITF Group has a P/E ratio of 3.3x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $12M | XXX | $12M | XXX | XXX | XXX |
| EV (current) | $24M | XXX | $24M | XXX | XXX | XXX |
| EV/Revenue | 1.0x | XXX | 1.1x | XXX | XXX | XXX |
| EV/EBITDA | 5.3x | XXX | 5.5x | XXX | XXX | XXX |
| EV/EBIT | 5.8x | XXX | 5.0x | XXX | XXX | XXX |
| EV/Gross Profit | 2.3x | XXX | 3.0x | XXX | XXX | XXX |
| P/E | 3.3x | XXX | 3.2x | XXX | XXX | XXX |
| EV/FCF | — | XXX | (4.2x) | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified ITF Group Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
ITF Group Margins & Growth Rates
ITF Group's revenue in the last 12 month grew by 34%.
ITF Group's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged $0.0M for the same period.
ITF Group's rule of 40 is 131% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
ITF Group's rule of X is 295% (created by Bessemer, rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
ITF Group Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 34% | XXX | 34% | XXX | XXX | XXX |
| EBITDA Margin | 20% | XXX | 20% | XXX | XXX | XXX |
| EBITDA Growth | 54% | XXX | 45% | XXX | XXX | XXX |
| Rule of 40 | — | XXX | 131% | XXX | XXX | XXX |
| Bessemer Rule of X | — | XXX | 295% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.0M | XXX | XXX | XXX |
| S&M Expenses to Revenue | — | XXX | 3% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 2% | XXX | XXX | XXX |
| Opex to Revenue | — | XXX | 15% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
ITF Group Public Comps
See public comps and valuation multiples for other Consumer Finance and Online Lending comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Butn | XXX | XXX | XXX | XXX | XXX | XXX |
| NEO Finance | XXX | XXX | XXX | XXX | XXX | XXX |
| SaveLend | XXX | XXX | XXX | XXX | XXX | XXX |
| Raize-Instituicao | XXX | XXX | XXX | XXX | XXX | XXX |
| Fast Finance24 | 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 M&A Activity
ITF Group acquired XXX companies to date.
Last acquisition by ITF Group was on XXXXXXXX, XXXXX. ITF Group acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by ITF Group
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialITF Group Investment Activity
ITF Group invested in XXX companies to date.
ITF Group made its latest investment on XXXXXXXX, XXXXX. ITF Group invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by ITF Group
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout ITF Group
| 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 over 71 employees. |
| Is ITF Group publicly listed? | Yes, ITF Group is a public company listed on Bulgarian Stock Exchange. |
| 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? | ITF Group main competitors are Butn, NEO Finance, SaveLend, Raize-Instituicao. |
| What is the current market cap of ITF Group? | ITF Group's current market cap is $12M. |
| What is the current revenue of ITF Group? | ITF Group's last 12 months revenue is $23M. |
| What is the current revenue growth of ITF Group? | ITF Group revenue growth (NTM/LTM) is 34%. |
| What is the current EV/Revenue multiple of ITF Group? | Current revenue multiple of ITF Group is 1.0x. |
| Is ITF Group profitable? | Yes, ITF Group is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of ITF Group? | ITF Group's last 12 months EBITDA is $4M. |
| What is ITF Group's EBITDA margin? | ITF Group's last 12 months EBITDA margin is 20%. |
| What is the current EV/EBITDA multiple of ITF Group? | Current EBITDA multiple of ITF Group is 5.3x. |
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