ITF Group AD

BUL:ITF Stock Report

Market Cap: €24.5m

ITF Group AD Past Earnings Performance

Past criteria checks 4/6

ITF Group AD has been growing earnings at an average annual rate of 50.7%, while the Consumer Finance industry saw earnings growing at 16.5% annually. Revenues have been growing at an average rate of 32.6% per year. ITF Group AD's return on equity is 29.6%, and it has net margins of 28.6%.

Key information

50.67%

Earnings growth rate

42.31%

EPS growth rate

Consumer Finance Industry Growth9.83%
Revenue growth rate32.57%
Return on equity29.64%
Net Margin28.63%
Last Earnings Update31 Mar 2026

Recent past performance updates

No updates

Recent updates

Analysis Article Jun 28

ITF Group AD (BUL:ITF) Will Pay A Larger Dividend Than Last Year At BGN0.3429

ITF Group AD's ( BUL:ITF ) dividend will be increasing from last year's payment of the same period to BGN0.3429 on 1st...
Analysis Article Apr 08

Not Many Are Piling Into ITF Group AD (BUL:ITF) Just Yet

When close to half the companies in Bulgaria have price-to-earnings ratios (or "P/E's") above 19x, you may consider ITF...
Analysis Article Nov 28

Investors Aren't Entirely Convinced By ITF Group AD's (BUL:ITF) Earnings

With a price-to-earnings (or "P/E") ratio of 6.4x ITF Group AD ( BUL:ITF ) may be sending very bullish signals at the...
Analysis Article Apr 19

Sentiment Still Eluding ITF Group AD (BUL:ITF)

When close to half the companies in Bulgaria have price-to-earnings ratios (or "P/E's") above 13x, you may consider ITF...

Revenue & Expenses Breakdown

How ITF Group AD makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

BUL:ITF Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 2612450
31 Dec 2510330
30 Sep 259330
30 Jun 258230
31 Mar 258230
31 Dec 247230
30 Sep 246220
30 Jun 246120
31 Mar 246120
31 Dec 235120
30 Sep 235120
30 Jun 235120
31 Mar 234120
31 Dec 224110
30 Sep 223110
30 Jun 223010
31 Mar 223010
31 Dec 212010
30 Sep 212010
30 Jun 212010
31 Mar 212010
31 Dec 203010
30 Sep 203010
30 Jun 202010
31 Mar 202010
31 Dec 192010
31 Dec 182010
31 Dec 172010
31 Dec 161010

Quality Earnings: ITF has a high level of non-cash earnings.

Growing Profit Margin: ITF's current net profit margins (28.6%) are higher than last year (25%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: ITF's earnings have grown significantly by 50.7% per year over the past 5 years.

Accelerating Growth: ITF's earnings growth over the past year (77.8%) exceeds its 5-year average (50.7% per year).

Earnings vs Industry: ITF earnings growth over the past year (77.8%) exceeded the Consumer Finance industry 36.9%.


Return on Equity

High ROE: Whilst ITF's Return on Equity (29.64%) is high, this metric is skewed due to their high level of debt.


Return on Assets


Return on Capital Employed


Discover strong past performing companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/17 10:05
End of Day Share Price 2026/06/15 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

ITF Group AD is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.