Stock Analysis Report

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Market Cap


Last Updated

2021/06/17 21:05 UTC

Data Sources

Company Financials

Executive Summary

Centrum Finansowe S.A. provides debt collection services for individuals, claimers, and creditors. More Details

Snowflake Analysis

Undervalued with excellent balance sheet.

Share Price & News

How has Centrum Finansowe's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: CFS is more volatile than 75% of Polish stocks over the past 3 months, typically moving +/- 10% a week.

Volatility Over Time: CFS's weekly volatility has decreased from 15% to 10% over the past year, but is still higher than 75% of Polish stocks.

Market Performance

7 Day Return




PL Commercial Services


PL Market

1 Year Return




PL Commercial Services


PL Market

Return vs Industry: CFS exceeded the Polish Commercial Services industry which returned 48.5% over the past year.

Return vs Market: CFS exceeded the Polish Market which returned 33.3% over the past year.

Shareholder returns

7 Day-5.9%-2.9%-0.6%
30 Day-22.1%-1.5%3.3%
90 Day18.7%6.8%11.9%
1 Year90.1%70.8%57.6%48.1%33.9%32.1%
3 Year-15.5%-24.1%92.4%77.1%18.5%11.7%
5 Year-20.8%-28.8%148.8%123.2%35.9%22.2%

Long-Term Price Volatility Vs. Market

How volatile is Centrum Finansowe's share price compared to the market and industry in the last 5 years?

Simply Wall St News


Is Centrum Finansowe undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: CFS (PLN4.46) is trading below our estimate of fair value (PLN9.89)

Significantly Below Fair Value: CFS is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: CFS is good value based on its PE Ratio (6.3x) compared to the Polish Commercial Services industry average (12.4x).

PE vs Market: CFS is good value based on its PE Ratio (6.3x) compared to the Polish market (14.9x).

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CFS's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: CFS is good value based on its PB Ratio (1x) compared to the PL Commercial Services industry average (1.9x).

Future Growth

How is Centrum Finansowe forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?


Forecasted Commercial Services industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Centrum Finansowe has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Past Performance

How has Centrum Finansowe performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CFS has high quality earnings.

Growing Profit Margin: CFS's current net profit margins (39.3%) are lower than last year (39.8%).

Past Earnings Growth Analysis

Earnings Trend: CFS has become profitable over the past 5 years, growing earnings by 32.5% per year.

Accelerating Growth: CFS's earnings growth over the past year (4.7%) is below its 5-year average (32.5% per year).

Earnings vs Industry: CFS earnings growth over the past year (4.7%) underperformed the Commercial Services industry 104.1%.

Return on Equity

High ROE: CFS's Return on Equity (15.8%) is considered low.

Financial Health

How is Centrum Finansowe's financial position?

Financial Position Analysis

Short Term Liabilities: CFS's short term assets (PLN21.9M) exceed its short term liabilities (PLN3.1M).

Long Term Liabilities: CFS's short term assets (PLN21.9M) exceed its long term liabilities (PLN21.3M).

Debt to Equity History and Analysis

Debt Level: CFS's debt to equity ratio (49.6%) is considered high.

Reducing Debt: CFS's debt to equity ratio has reduced from 177.3% to 49.6% over the past 5 years.

Debt Coverage: CFS's debt is well covered by operating cash flow (67.4%).

Interest Coverage: CFS's interest payments on its debt are well covered by EBIT (10.6x coverage).

Balance Sheet


What is Centrum Finansowe current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: CFS's dividend (13.45%) is higher than the bottom 25% of dividend payers in the Polish market (1.96%).

High Dividend: CFS's dividend (13.45%) is in the top 25% of dividend payers in the Polish market (5.78%)

Stability and Growth of Payments

Stable Dividend: CFS has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: CFS's dividend payments have increased, but the company has only paid a dividend for 8 years.

Current Payout to Shareholders

Dividend Coverage: At its current payout ratio (84.3%), CFS's payments are covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Centrum Finansowe has no CEO, or we have no data on them.


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Centrum Finansowe S.A.'s company bio, employee growth, exchange listings and data sources

Key Information

  • Name: Centrum Finansowe S.A.
  • Ticker: CFS
  • Exchange: WSE
  • Founded: 2008
  • Industry: Diversified Support Services
  • Sector: Commercial Services
  • Market Cap: zł37.134m
  • Shares outstanding: 8.36m
  • Website:

Number of Employees


  • Centrum Finansowe S.A.
  • ul. Grzybowska 87
  • Warszawa
  • 00-844
  • Poland



Centrum Finansowe S.A. provides debt collection services for individuals, claimers, and creditors. It engages in the purchase of claims; debt handling; managing securitization funds; restructuring consulti...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/06/17 21:05
End of Day Share Price2021/06/17 00:00
Annual Earnings2020/12/31

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 here.