Centrum Finansowe
Market Cap
zł37.1m
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
Rewards
Risk Analysis
+ 1 more risk
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
-5.9%
CFS
-2.9%
PL Commercial Services
-0.6%
PL Market
1 Year Return
70.8%
CFS
48.1%
PL Commercial Services
32.1%
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
| CFS | Industry | Market | |
|---|---|---|---|
| 7 Day | -5.9% | -2.9% | -0.6% |
| 30 Day | -22.1% | -1.5% | 3.3% |
| 90 Day | 18.7% | 6.8% | 11.9% |
| 1 Year | 90.1%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
3 weeks ago | Simply Wall St
Centrum Finansowe (WSE:CFS) Could Easily Take On More Debt1 month ago | Simply Wall St
We Like These Underlying Return On Capital Trends At Centrum Finansowe (WSE:CFS)2 months ago | Simply Wall St
Are Strong Financial Prospects The Force That Is Driving The Momentum In Centrum Finansowe S.A.'s WSE:CFS) Stock?Valuation
Is Centrum Finansowe undervalued compared to its fair value and its price relative to the market?
>50%
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?
28.4%
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?
32.5%
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
Dividend
What is Centrum Finansowe current dividend yield, its reliability and sustainability?
13.51%
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
Management
How experienced are the management team and are they aligned to shareholders interests?
CEO
Centrum Finansowe has no CEO, or we have no data on them.
Ownership
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: https://cfsa.pl
Number of Employees
Location
- Centrum Finansowe S.A.
- ul. Grzybowska 87
- Warszawa
- 00-844
- Poland
Listings
Biography
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/06/17 21:05 |
| End of Day Share Price | 2021/06/17 00:00 |
| Earnings | 2021/03/31 |
| Annual Earnings | 2020/12/31 |
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.