Centrum Finansowe
Market Cap
zł16.3m
Last Updated
2019/10/16 21:18 UTC
Data Sources
Company Financials
Executive Summary
Centrum Finansowe S.A. provides debt collection services for individuals, claimers, and creditors.
Snowflake
Fundamentals
Flawless balance sheet and undervalued.
Share Price & News
How has Centrum Finansowe's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0%
CFS
0.4%
PL Commercial Services
1.2%
PL Market
1 Year Return
-30.9%
CFS
-3.1%
PL Commercial Services
-3.7%
PL Market
Return vs Industry: CFS underperformed the Polish Commercial Services industry which returned -3.1% over the past year.
Return vs Market: CFS underperformed the Polish Market which returned -3.7% over the past year.
Shareholder returns
| CFS | Industry | Market | |
|---|---|---|---|
| 7 Day | 0% | 0.4% | 1.2% |
| 30 Day | 0% | 1.7% | -2.9% |
| 90 Day | n/a | 2.6% | -6.8% |
| 1 Year | -30.9%-30.9% | -2.6%-3.1% | -0.8%-3.7% |
| 3 Year | -66.9%-66.9% | -6.1%-10.4% | 11.5%3.5% |
| 5 Year | -67.1%-67.7% | 12.7%8.7% | -0.9%-12.9% |
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
11 months ago | Simply Wall St
Can Centrum Finansowe SA's (WSE:CFS) ROE Continue To Surpass The Industry Average?1 year ago | Simply Wall St
Understanding Your Return On Investment In Centrum Finansowe SA (WSE:CFS)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
Undervalued: CFS (PLN1.95) is trading below our estimate of fair value (PLN30.68)
Significantly Undervalued: 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 (3.4x) compared to the Commercial Services industry average (9.8x).
PE vs Market: CFS is good value based on its PE Ratio (3.4x) compared to the Polish market (9.9x).
Price to Earnings Growth Ratio
Low 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 (0.7x) compared to the PL Commercial Services industry average (0.9x).
Next Steps
Future Growth
How is Centrum Finansowe forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
2.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CFS's forecast earnings growth (2% per year) is below the savings rate (2.9%).
Earnings vs Market: CFS's earnings (2% per year) are forecast to grow slower than the Polish market (10.7% per year).
High Growth Earnings: CFS's earnings are forecast to grow, but not significantly.
Revenue vs Market: Insufficient data to determine if CFS's revenue is forecast to grow faster than the Polish market.
High Growth Revenue: Insufficient data to determine if CFS's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: Insufficient data to determine if CFS's Return on Equity is forecast to be high in 3 years time
Next Steps
Past Performance
How has Centrum Finansowe performed over the past 5 years?
36.5%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: CFS's earnings have grown significantly by 36.5% per year over the past 5 years.
Accelerating Growth: CFS's earnings growth over the past year (61.5%) exceeds its 5-year average (36.5% per year).
Earnings vs Industry: CFS earnings growth over the past year (61.5%) exceeded the Commercial Services industry 3.9%.
Return on Equity
High ROE: CFS's Return on Equity (21%) is considered high.
Return on Assets
ROA vs Industry: CFS has a higher Return on Assets than the Commercial Services industry average last year.
Return on Capital Employed
ROCE Improving: CFS's Return on Capital Employed has declined over the past 3 years.
Next Steps
Financial Health
How is Centrum Finansowe's financial position?
Financial Position Analysis
Short Term Liabilities: CFS's short term assets (PLN9.0M) exceeds its short term liabilities (PLN1.2M)
Long Term Liabilities: CFS's short term assets (9.0M) exceeds its long term liabilities (4.6M)
Debt to Equity History and Analysis
Debt Level: CFS is debt free.
Reducing Debt: CFS has no debt compared to 5 years ago when its debt to equity ratio was 46.4%.
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
Inventory Level: CFS has a low level of unsold assets or inventory.
Debt Coverage by Assets: Insufficient data to determine if CFS's debt is covered by short term assets.
Next Steps
Dividend
What is Centrum Finansowe's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: Unable to evaluate CFS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate CFS's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
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
What is the CEO of Centrum Finansowe's salary, the management and board of directors tenure and is there insider trading?
CEO
Jerzy Tofil 0
6yrs
Tenure
Mr. Jerzy Tofil has been the President of the Management Board of Centrum Finansowe Banku BPS Spólka Akcyjna. since October 2013. Mr. Tofil has been a Director of Legal Department at Bank Polskiej Spó?dzie ...
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Management Team
Anna Rudnicka
Vice President of The Management Board
- Tenure: 4.3yrs
Jerzy Tofil
President of the Management Board
- Tenure: 6yrs
Zdzislawa Maksymiuk
Secretary of The Supervisory Board and Member of Supervisory Board
- Tenure: 8.8yrs
Board Members
Wladyslaw Klazynski
Vice Chairman of The Supervisory Board
- Tenure: 0yrs
Witold Baran
Chairman of the Supervisory Board
- Tenure: 0yrs
Zdzislawa Maksymiuk
Secretary of The Supervisory Board and Member of Supervisory Board
- Tenure: 8.8yrs
Robert Banach
Member of the Supervisory Board
- Tenure: 0yrs
Magdalena Waniek
Member of the Supervisory Board
- Tenure: 0yrs
Krzysztof Rozko
Supervisory Board Member
- Tenure: 0yrs
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: zł16.309m
- Shares outstanding: 8.36m
- Website: https://cfsa.pl
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 | 2019/10/16 21:18 |
| End of Day Share Price | 2019/09/09 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.