CFS

Centrum FinansoweWSE:CFS Stock Report

Market Cap

zł37.5m

7D

0.9%

1Y

33.3%

Updated

21 Sep, 2021

Data

Company Financials
CFS fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance6/6
Financial Health5/6
Dividends3/6

CFS Overview

Centrum Finansowe S.A. provides debt collection services for individuals, claimers, and creditors.

Price History & Performance

Summary of all time highs, changes and price drops for Centrum Finansowe
Historical stock prices
Current Share Pricezł4.48
52 Week Highzł2.72
52 Week Lowzł6.10
Beta0.44
1 Month Change-1.75%
3 Month Change5.16%
1 Year Change33.33%
3 Year Change12.00%
5 Year Change-23.94%
Change since IPO-13.35%

Recent News & Updates

May 27
Centrum Finansowe (WSE:CFS) Could Easily Take On More Debt

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...

May 01
We Like These Underlying Return On Capital Trends At Centrum Finansowe (WSE:CFS)

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...

Shareholder Returns

CFSPL Commercial ServicesPL Market
7D0.9%-3.0%-2.8%
1Y33.3%52.6%42.2%

Return vs Industry: CFS underperformed the Polish Commercial Services industry which returned 50.5% over the past year.

Return vs Market: CFS underperformed the Polish Market which returned 42% over the past year.

Price Volatility

Is CFS's price volatile compared to industry and market?
CFS volatility
CFS Beta0.44
Industry Beta0.68
Market Beta1

Stable Share Price: CFS is not significantly more volatile than the rest of Polish stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: CFS's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
200839n/ahttps://cfsa.pl

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 consulting; and the monitoring of receivables, as well as the provision of mortgage-secured receivables accounts. The company was formerly known as Centrum Finansowe Banku BPS Spólka Akcyjna.

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 (PLN4.48) is trading below our estimate of fair value (PLN20.44)

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 (5.2x) compared to the Polish Commercial Services industry average (11.9x).

PE vs Market: CFS is good value based on its PE Ratio (5.2x) compared to the Polish market (13x).


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 (1.1x) compared to the PL Commercial Services industry average (2.4x).


Future Growth

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

23.2%

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.


Past Performance

How has Centrum Finansowe performed over the past 5 years?

24.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CFS has high quality earnings.

Growing Profit Margin: CFS's current net profit margins (46.1%) are higher than last year (31.3%).


Past Earnings Growth Analysis

Earnings Trend: CFS has become profitable over the past 5 years, growing earnings by 24.9% per year.

Accelerating Growth: CFS's earnings growth over the past year (62.6%) exceeds its 5-year average (24.9% per year).

Earnings vs Industry: CFS earnings growth over the past year (62.6%) exceeded the Commercial Services industry 51.6%.


Return on Equity

High ROE: CFS's Return on Equity (20.2%) is considered high.


Financial Health

How is Centrum Finansowe's financial position?


Financial Position Analysis

Short Term Liabilities: CFS's short term assets (PLN11.4M) exceed its short term liabilities (PLN4.4M).

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


Debt to Equity History and Analysis

Debt Level: CFS's debt to equity ratio (24.9%) is considered satisfactory.

Reducing Debt: CFS's debt to equity ratio has reduced from 133.8% to 24.9% over the past 5 years.

Debt Coverage: CFS's debt is well covered by operating cash flow (146.3%).

Interest Coverage: CFS's interest payments on its debt are well covered by EBIT (10.2x coverage).


Balance Sheet


Dividend

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

13.39%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: CFS's dividend (13.39%) is higher than the bottom 25% of dividend payers in the Polish market (2.19%).

High Dividend: CFS's dividend (13.39%) is in the top 25% of dividend payers in the Polish market (6.16%)


Stability and Growth of Payments

Stable Dividend: CFS has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: CFS's dividend payments have increased, but the company has only paid a dividend for 9 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (70%), CFS's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


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 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: zł37.469m
  • Shares outstanding: 8.36m
  • Website: https://cfsa.pl

Number of Employees


Location

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

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/21 22:36
End of Day Share Price2021/09/21 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.