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Centrum Finansowe S.A.WSE:CFS Stock Report

Market Cap zł49.0m
Share Price
zł4.84
zł11.51
57.9% undervalued intrinsic discount
1Y4.8%
7D0.8%
Portfolio Value
View

Centrum Finansowe S.A.

WSE:CFS Stock Report

Market Cap: zł49.0m

Centrum Finansowe (CFS) Stock Overview

Provides debt collection services for debtors and creditors in Poland. More details

CFS fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends4/6

CFS Community Fair Values

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Centrum Finansowe S.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Centrum Finansowe
Historical stock prices
Current Share Pricezł4.84
52 Week Highzł6.10
52 Week Lowzł4.32
Beta0.15
1 Month Change-12.79%
3 Month Change-4.16%
1 Year Change4.76%
3 Year Change8.04%
5 Year Change-9.53%
Change since IPO-6.38%

Recent News & Updates

Recent updates

Analysis Article Jan 15

We Think Centrum Finansowe (WSE:CFS) Can Stay On Top Of Its Debt

Warren Buffett famously said, 'Volatility is far from synonymous with risk.' So it might be obvious that you need to...
Analysis Article Jan 18

Little Excitement Around Centrum Finansowe S.A.'s (WSE:CFS) Earnings

Centrum Finansowe S.A.'s ( WSE:CFS ) price-to-earnings (or "P/E") ratio of 5.5x might make it look like a strong buy...
Analysis Article Nov 05

These 4 Measures Indicate That Centrum Finansowe (WSE:CFS) Is Using Debt Reasonably Well

Warren Buffett famously said, 'Volatility is far from synonymous with risk.' So it might be obvious that you need to...
Analysis Article Sep 02

Does Centrum Finansowe (WSE:CFS) Have A Healthy Balance Sheet?

The external fund manager backed by Berkshire Hathaway's Charlie Munger, Li Lu, makes no bones about it when he says...
Analysis Article Jul 11

Centrum Finansowe (WSE:CFS) May Have Issues Allocating Its Capital

What trends should we look for it we want to identify stocks that can multiply in value over the long term? Firstly...
Analysis Article May 11

These 4 Measures Indicate That Centrum Finansowe (WSE:CFS) Is Using Debt Safely

Legendary fund manager Li Lu (who Charlie Munger backed) once said, 'The biggest investment risk is not the volatility...
Analysis Article Dec 01

These 4 Measures Indicate That Centrum Finansowe (WSE:CFS) Is Using Debt Safely

Warren Buffett famously said, 'Volatility is far from synonymous with risk.' So it might be obvious that you need to...
Analysis Article Nov 05

Returns On Capital At Centrum Finansowe (WSE:CFS) Paint A Concerning Picture

Finding a business that has the potential to grow substantially is not easy, but it is possible if we look at a few key...
Analysis Article Aug 30

Is Centrum Finansowe (WSE:CFS) Using Too Much Debt?

The external fund manager backed by Berkshire Hathaway's Charlie Munger, Li Lu, makes no bones about it when he says...
Analysis Article Aug 03

Centrum Finansowe (WSE:CFS) Could Be Struggling To Allocate Capital

To find a multi-bagger stock, what are the underlying trends we should look for in a business? In a perfect world, we'd...
Analysis Article Jan 08

These 4 Measures Indicate That Centrum Finansowe (WSE:CFS) Is Using Debt Safely

Howard Marks put it nicely when he said that, rather than worrying about share price volatility, 'The possibility of...
Analysis Article May 27

Centrum Finansowe (WSE:CFS) Could Easily Take On More Debt

Warren Buffett famously said, 'Volatility is far from synonymous with risk.' It's only natural to consider a company's...
Analysis Article May 01

We Like These Underlying Return On Capital Trends At Centrum Finansowe (WSE:CFS)

What are the early trends we should look for to identify a stock that could multiply in value over the long term? In a...
Analysis Article Feb 07

Is Centrum Finansowe (WSE:CFS) A Risky Investment?

Legendary fund manager Li Lu (who Charlie Munger backed) once said, 'The biggest investment risk is not the volatility...
Analysis Article Jan 17

Can Centrum Finansowe (WSE:CFS) Continue To Grow Its Returns On Capital?

What trends should we look for it we want to identify stocks that can multiply in value over the long term? One common...
Analysis Article Dec 09

Is Centrum Finansowe S.A.'s (WSE:CFS) Stock's Recent Performance Being Led By Its Attractive Financial Prospects?

Centrum Finansowe's (WSE:CFS) stock is up by a considerable 12% over the past month. Since the market usually pay for a...

Shareholder Returns

CFSPL Commercial ServicesPL Market
7D0.8%2.2%-0.8%
1Y4.8%6.6%21.9%

Return vs Industry: CFS underperformed the Polish Commercial Services industry which returned 6.6% over the past year.

Return vs Market: CFS underperformed the Polish Market which returned 21.9% over the past year.

Price Volatility

Is CFS's price volatile compared to industry and market?
CFS volatility
CFS Average Weekly Movement5.4%
Commercial Services Industry Average Movement5.4%
Market Average Movement5.2%
10% most volatile stocks in PL Market11.1%
10% least volatile stocks in PL Market3.1%

Stable Share Price: CFS has not had significant price volatility in the past 3 months compared to the Polish market.

Volatility Over Time: CFS's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
200841Piotr Szynalskicfsa.pl

Centrum Finansowe S.A. provides debt collection services for debtors and creditors in Poland. It engages in the purchase of receivables; debt management; managing securitization funds; restructuring consulting; and the monitoring of receivables, as well as provision of mortgage-secured receivables. The company was formerly known as Centrum Finansowe Banku BPS Spólka Akcyjna.

Centrum Finansowe S.A. Fundamentals Summary

How do Centrum Finansowe's earnings and revenue compare to its market cap?
CFS fundamental statistics
Market capzł48.98m
Earnings (TTM)zł7.66m
Revenue (TTM)zł21.69m
6.4x
P/E Ratio
2.3x
P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CFS income statement (TTM)
Revenuezł21.69m
Cost of Revenuezł120.45k
Gross Profitzł21.57m
Other Expenseszł13.91m
Earningszł7.66m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

Aug 06, 2026

Earnings per share (EPS)0.76
Gross Margin99.44%
Net Profit Margin35.31%
Debt/Equity Ratio17.6%

How did CFS perform over the long term?

See historical performance and comparison

Dividends

8.9%
Current Dividend Yield
57%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/18 17:26
End of Day Share Price 2026/05/18 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

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

Centrum Finansowe S.A. 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.