Centrum Finansowe's book value per share for the quarter that ended in Sep. 2025 was zł6.82.
During the past 12 months, Centrum Finansowe's average Book Value Per Share Growth Rate was 3.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 15.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 18.70% 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 book value growth rate using book value per share data.
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 15.90% per year.
Centrum Finansowe's current price is zł4.64. Its book value per share for the quarter that ended in Sep. 2025 was zł6.82. Hence, today's PB Ratio of Centrum Finansowe is 0.68.
During the past 13 years, the highest P/B Ratio of Centrum Finansowe was 7.02. The lowest was 0.54. And the median was 0.89.
Good Sign:
Centrum Finansowe SA stock PB Ratio (=0.68) is close to 5-year low of 0.67.
Centrum Finansowe (WAR:CFS) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Centrum Finansowe Book Value per Share Related Terms
Centrum Finansowe Book Value per Share Historical Data
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The historical data trend for Centrum Finansowe's Book Value per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
WAR:CFS vs V, MA, AXP: Book Value per Share Comparison
For the Credit Services subindustry, Centrum Finansowe's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's PB Ratio distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Centrum Finansowe (WAR:CFS) has a Book Value per Share of zł6.82 as of Sep. 2025. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Centrum Finansowe and its competitors.
Is Centrum Finansowe's Book Value per Share too high?
Centrum Finansowe's current Book Value per Share is zł6.82. Overall, Centrum Finansowe has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's Book Value per Share compare to V and MA?
Centrum Finansowe's Book Value per Share of zł6.82 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Credit Services company?
A good Book Value per Share depends on the Credit Services industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Centrum Finansowe and its competitors. Centrum Finansowe's current Book Value per Share is zł6.82. 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 Modestly Undervalued. The stock's GF Value™ is zł5.18, compared to a current price of zł4.64 — trading 10.4% below its estimated fair value. The current Book Value per Share is zł6.82. Centrum Finansowe's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Book Value per Share is zł6.82 as of Sep. 2025. 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 undervalued.
The current stock price of zł4.64 is trading 10.4% below its estimated GF Value™ of zł5.18.
GuruFocus considers Centrum Finansowe to be Modestly Undervalued.
Key valuation signals for WAR:CFS:
Book Value per Share: zł6.82
GF Value™: zł5.18 vs. price of zł4.64 (10.4% below fair value)
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.
69GF Score
Get the complete analysis for WAR:CFS
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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