WSE:CFS

Stock Analysis Report

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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's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-4.2%

CFS

1.3%

PL Commercial Services

-3.1%

PL Market


1 Year Return

75.8%

CFS

39.6%

PL Commercial Services

-16.3%

PL Market

Return vs Industry: CFS exceeded the Polish Commercial Services industry which returned 38.4% over the past year.

Return vs Market: CFS exceeded the Polish Market which returned -15.4% over the past year.


Shareholder returns

CFSIndustryMarket
7 Day-4.2%1.3%-3.1%
30 Day-7.0%0.07%-4.6%
90 Day26.0%4.2%-10.5%
1 Year75.8%75.8%42.1%39.6%-15.5%-16.3%
3 Year-45.8%-45.8%17.1%13.6%-26.1%-30.5%
5 Year-49.1%-49.1%40.6%37.2%-15.6%-24.8%

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

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 (PLN3.2) is trading below our estimate of fair value (PLN16.28)

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 (6.1x) compared to the PL Commercial Services industry average (10.8x).

PE vs Market: CFS is good value based on its PE Ratio (6.1x) compared to the Polish market (12.7x).


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 (0.9x) compared to the PL Commercial Services industry average (1.2x).


Next Steps

Future Growth

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

27.6%

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.


Next Steps

Past Performance

How has Centrum Finansowe performed over the past 5 years?

40.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CFS has high quality earnings.

Growing Profit Margin: CFS's current net profit margins (31.3%) are lower than last year (36.8%).


Past Earnings Growth Analysis

Earnings Trend: CFS's earnings have grown significantly by 40.7% per year over the past 5 years.

Accelerating Growth: CFS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CFS had negative earnings growth (-6.7%) over the past year, making it difficult to compare to the Commercial Services industry average (19.4%).


Return on Equity

High ROE: CFS's Return on Equity (15.2%) is considered low.


Next Steps

Financial Health

How is Centrum Finansowe's financial position?


Financial Position Analysis

Short Term Liabilities: CFS's short term assets (PLN11.3M) exceed its short term liabilities (PLN4.8M).

Long Term Liabilities: CFS's short term assets (PLN11.3M) do not cover its long term liabilities (PLN12.4M).


Debt to Equity History and Analysis

Debt Level: CFS is debt free.

Reducing Debt: CFS had no debt 5 years ago.

Debt Coverage: CFS has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: CFS has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate CFS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate CFS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if CFS's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CFS's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: CFS is not paying a notable dividend for the Polish market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CFS's dividend in 3 years as they are not forecast to pay a notable one for the Polish market.


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: zł26.763m
  • Shares outstanding: 8.36m
  • Website: https://cfsa.pl

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CFSWSE (Warsaw Stock Exchange)YesCommon Bearer SharesPLPLNDec 2011

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/20 22:10
End of Day Share Price2020/10/19 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.