| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 5/6 |
| Dividends | 5/6 |
CFS Stock Overview
Centrum Finansowe S.A. provides debt collection services for individuals, debtors, and creditors.
Rewards
Trading at good value vs. peer average Price-To-Earnings ratio
Trading at good value vs. industry average Price-To-Earnings ratio
Risk Analysis
+ 1 more risk
Centrum Finansowe Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | zł4.18 |
| 52 Week High | zł5.55 |
| 52 Week Low | zł3.12 |
| Beta | 0.44 |
| 1 Month Change | 9.42% |
| 3 Month Change | -12.55% |
| 1 Year Change | -0.95% |
| 3 Year Change | 114.36% |
| 5 Year Change | -30.33% |
| Change since IPO | -19.15% |
Recent News & Updates
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...
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...
Shareholder Returns
| CFS | PL Commercial Services | PL Market | |
|---|---|---|---|
| 7D | -1.4% | -1.8% | -4.3% |
| 1Y | -0.9% | -13.0% | -33.1% |
Return vs Industry: CFS exceeded the Polish Commercial Services industry which returned -13% over the past year.
Return vs Market: CFS exceeded the Polish Market which returned -33.1% over the past year.
Price Volatility
| CFS volatility | |
|---|---|
| CFS Average Weekly Movement | 12.6% |
| Commercial Services Industry Average Movement | 7.8% |
| Market Average Movement | 6.1% |
| 10% most volatile stocks in PL Market | 11.7% |
| 10% least volatile stocks in PL Market | 3.8% |
Stable Share Price: CFS is more volatile than 90% of Polish stocks over the past 3 months, typically moving +/- 13% a week.
Volatility Over Time: CFS's weekly volatility (13%) has been stable over the past year, but is still higher than 75% of Polish stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2008 | 40 | n/a | https://cfsa.pl |
Centrum Finansowe S.A. provides debt collection services for individuals, debtors, and creditors. 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 Fundamentals Summary
| CFS fundamental statistics | |
|---|---|
| Market Cap | zł38.46m |
| Earnings (TTM) | zł7.02m |
| Revenue (TTM) | zł16.94m |
5.5x
P/E Ratio2.3x
P/S RatioIs CFS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CFS income statement (TTM) | |
|---|---|
| Revenue | zł16.94m |
| Cost of Revenue | zł103.72k |
| Gross Profit | zł16.84m |
| Other Expenses | zł9.82m |
| Earnings | zł7.02m |
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
Nov 14, 2022
| Earnings per share (EPS) | 0.76 |
| Gross Margin | 99.39% |
| Net Profit Margin | 41.43% |
| Debt/Equity Ratio | 35.1% |
How did CFS perform over the long term?
See historical performance and comparisonDividends
10.5%
Current Dividend Yield58%
Payout RatioValuation
Is CFS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Analyst Forecast
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CFS?
Other financial metrics that can be useful for relative valuation.
| What is CFS's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | zł38.46m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 2.2x |
| Enterprise Value/EBITDA | 3.7x |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does CFS's PE Ratio compare to its peers?
| CFS PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 35.4x | ||
BLT Balticon | 14.3x | n/a | zł30.7m |
JWW JWW Invest | 10.1x | n/a | zł20.8m |
VIN Gielda Praw Majatkowych Vindexus Spolka Akcyjna | 2.2x | n/a | zł71.0m |
SUL Summa Linguae | 115.1x | n/a | zł160.5m |
CFS Centrum Finansowe | 5.5x | n/a | zł38.5m |
Price-To-Earnings vs Peers: CFS is good value based on its Price-To-Earnings Ratio (5.5x) compared to the peer average (35.4x).
Price to Earnings Ratio vs Industry
How does CFS's PE Ratio compare vs other companies in the European Commercial Services Industry?
Price-To-Earnings vs Industry: CFS is good value based on its Price-To-Earnings Ratio (5.5x) compared to the European Commercial Services industry average (13.8x)
Price to Earnings Ratio vs Fair Ratio
What is CFS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 5.5x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CFS's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of CFS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: CFS (PLN4.18) is trading below our estimate of fair value (PLN26.89)
Significantly Below Fair Value: CFS is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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Future Growth
How is Centrum Finansowe forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
17.3%
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.
Discover growth companies
- 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.
Past Performance
How has Centrum Finansowe performed over the past 5 years?
Past Performance Score
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
13.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CFS has high quality earnings.
Growing Profit Margin: CFS's current net profit margins (41.4%) are lower than last year (46.1%).
Past Earnings Growth Analysis
Earnings Trend: CFS's earnings have grown by 13.4% 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 (-2.1%) over the past year, making it difficult to compare to the Commercial Services industry average (27.4%).
Return on Equity
High ROE: CFS's Return on Equity (17.8%) is considered low.
Discover strong past performing companies
Financial Health
How is Centrum Finansowe's financial position?
Financial Health Score
5/6Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: CFS's short term assets (PLN16.9M) exceed its short term liabilities (PLN4.0M).
Long Term Liabilities: CFS's short term assets (PLN16.9M) exceed its long term liabilities (PLN15.8M).
Debt to Equity History and Analysis
Debt Level: CFS has more cash than its total debt.
Reducing Debt: Insufficient data to determine if CFS's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: CFS's debt is well covered by operating cash flow (95%).
Interest Coverage: CFS's interest payments on its debt are well covered by EBIT (15.2x coverage).
Balance Sheet
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Dividend
What is Centrum Finansowe current dividend yield, its reliability and sustainability?
Dividend Score
5/6Dividend Score 5/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Cash Flow Coverage
10.53%
Current Dividend Yield
Dividend Yield vs Market
| Centrum Finansowe Dividend Yield vs Market |
|---|
| Segment | Dividend Yield |
|---|---|
| Company (Centrum Finansowe) | 10.5% |
| Market Bottom 25% (PL) | 3.1% |
| Market Top 25% (PL) | 9.3% |
| Industry Average (Commercial Services) | 7.3% |
| Analyst forecast in 3 Years (Centrum Finansowe) | n/a |
Notable Dividend: CFS's dividend (10.53%) is higher than the bottom 25% of dividend payers in the Polish market (3.09%).
High Dividend: CFS's dividend (10.53%) is in the top 25% of dividend payers in the Polish market (9.3%)
Stability and Growth of Payments
Stable Dividend: CFS's dividend payments have been volatile in the past 10 years.
Growing Dividend: CFS's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (57.7%), CFS's dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its reasonably low cash payout ratio (30.8%), CFS's dividend payments are well covered by cash flows.
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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
| Owner Type | Number of Shares | Ownership Percentage |
|---|---|---|
| General Public | 554,408 | 6.0% |
| Individual Insiders | 1,090,820 | 11.9% |
| Private Companies | 7,554,628 | 82.1% |
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 10%.
Top Shareholders
| Ownership | Name | Shares | Current Value | Change % | Portfolio % | |
|---|---|---|---|---|---|---|
| 7,554,628 | PLN31.6m | 0% | no data | |||
| 596,174 | PLN2.5m | 0% | no data | |||
| 494,646 | PLN2.1m | 0% | no data |
Company Information
Centrum Finansowe S.A.'s 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
- Implied Market Cap: zł38.455m
- Shares outstanding: 9.20m
- Website: https://cfsa.pl
Number of Employees
Location
- Centrum Finansowe S.A.
- ul. Grzybowska 87
- Warsaw
- 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 |
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/09/29 00:00 |
| End of Day Share Price | 2022/09/29 00:00 |
| Earnings | 2022/06/30 |
| Annual Earnings | 2021/12/31 |
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.