Centrum Finansowe
Market Cap
zł26.8m
Last Updated
2020/10/20 22:10 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
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
| CFS | Industry | Market | |
|---|---|---|---|
| 7 Day | -4.2% | 1.3% | -3.1% |
| 30 Day | -7.0% | 0.07% | -4.6% |
| 90 Day | 26.0% | 4.2% | -10.5% |
| 1 Year | 75.8%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
2 days ago | Simply Wall St
Will Centrum Finansowe's (WSE:CFS) Growth In ROCE Persist?4 weeks ago | Simply Wall St
Why Investors Shouldn't Be Surprised By Centrum Finansowe S.A.'s (WSE:CFS) 25% Share Price Plunge1 month ago | Simply Wall St
Why Investors Shouldn't Be Surprised By Centrum Finansowe S.A.'s (WSE:CFS) Low P/EValuation
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
- Examine whether Centrum Finansowe is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Centrum Finansowe competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Commercial Services industry.
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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CFS | WSE (Warsaw Stock Exchange) | Yes | Common Bearer Shares | PL | PLN | Dec 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/10/20 22:10 |
| End of Day Share Price | 2020/10/19 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2019/12/31 |
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.