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Centrum FinansoweWAR:CFS 77 3-Year Book Growth Rate is 12.90% as of Jun. 2026, which is 8% below its 10-year median of 14.00. GuruFocus rates WAR:CFS with a GF Score™ of 77/100 and a GF Value™ of zł4.68 (Fairly Valued). The stock has 5 warning signs investors should review. Among 516 Credit Services companies, Centrum Finansowe ranks better than 69.57% on this metric.
During the past 12 months, Centrum Finansowe's average Book Value per Share Growth Rate was 14.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 12.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 12.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 21.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Centrum Finansowe was 54.40% per year. The lowest was -22.50% per year. And the median was 14.00% per year.
Centrum Finansowe (WAR:CFS) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Centrum Finansowe 3-Year Book Growth Rate Related Terms
WAR:CFS vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Centrum Finansowe's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Centrum Finansowe 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's 3-Year Book Growth Rate falls into.
Centrum Finansowe 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 12.90% mean?
Centrum Finansowe (WAR:CFS) has a 3-Year Book Growth Rate of 12.90% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Centrum Finansowe and its competitors. This is near median its historical median of 14.00. According to the industry distribution chart, Centrum Finansowe ranks #157 out of 516 companies in the Credit Services industry, placing it in the top 30.4%.
Is Centrum Finansowe's 3-Year Book Growth Rate too high?
Centrum Finansowe's current 3-Year Book Growth Rate of 12.90% is near median its 10-year median of 14.00. The Credit Services industry median 3-Year Book Growth Rate is 6.00. Centrum Finansowe's value of 12.90% is 115% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #157 out of 516 companies in the Credit Services industry, which is above the industry midpoint. Overall, Centrum Finansowe has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #157 out of 516 companies for 3-Year Book Growth Rate. This puts Centrum Finansowe in the upper half of its industry. The industry median 3-Year Book Growth Rate is 6.00. Centrum Finansowe's value of 12.90% is 115% above this benchmark. While the company's 10-year median is 14.00 vs. the industry median of 6.00, Centrum Finansowe has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current 3-Year Book Growth Rate of 12.90% is 115% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Centrum Finansowe and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current 3-Year Book Growth Rate is 12.90%, which is near median its own 10-year median of 14.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Centrum Finansowe stock overvalued right now?
Based on GuruFocus' analysis, Centrum Finansowe (WAR:CFS) is currently considered Fairly Valued. The stock's GF Value™ is zł4.68, compared to a current price of zł4.80 — trading 2.6% above its estimated fair value. The current 3-Year Book Growth Rate is 12.90%, which is near median its 10-year median of 14.00 and 115% above the Credit Services industry median of 6.00. Centrum Finansowe's overall GF Score™ is 77/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current 3-Year Book Growth Rate is 12.90% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Centrum Finansowe (WAR:CFS) Overvalued in 2026?
Based on GuruFocus' analysis, Centrum Finansowe stock appears to be overvalued.
The current stock price of zł4.80 is trading 2.6% above its estimated GF Value™ of zł4.68.
GuruFocus considers Centrum Finansowe to be Fairly Valued.
Key valuation signals for WAR:CFS:
3-Year Book Growth Rate: 12.90% (near median its 10-year median of 14.00)
GF Value™: zł4.68 vs. price of zł4.80 (2.6% above fair value)
Industry Position: 115% above the Credit Services median (#157 of 516)
No single metric tells the full story. See the WAR:CFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Centrum Finansowe SA is a Polish company operating in the debt collection and receivables management industry. The company provides comprehensive debt recovery services across all stages, including pre-collection monitoring, amicable collection, legal proceedings, and enforcement verification. It manages receivables from both banking and non-banking sectors, handling mass claims as well as corporate and secured cases that require a tailored approach.
77GF Score
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