Wierzyciel (WAR:WRL) Cash Conversion Cycle: 670.29 (As of Mar. 2026)


WAR:WRL Wierzyciel SA WAR:WRL
59 GF Score
Price zł0.67
GF Value zł0.96
Valuation Possible Value Trap
! 2 Warning Signs
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What is Wierzyciel Cash Conversion Cycle?

Wierzyciel WAR:WRL +0.90% 59 Cash Conversion Cycle is 670.29 as of Mar. 2026. GuruFocus rates WAR:WRL with a GF Score™ of 59/100 and a GF Value™ of zł0.96 (Possible Value Trap). The stock has 2 warning signs investors should review.

Cash Conversion Cycle is one of several measures of management effectiveness. It equals Days Sales Outstanding + Days Inventory - Days Payable.

Wierzyciel's Days Sales Outstanding for the three months ended in Mar. 2026 was 461.47.
Wierzyciel's Days Inventory for the three months ended in Mar. 2026 was 225.89.
Wierzyciel's Days Payable for the three months ended in Mar. 2026 was 17.07.
Therefore, Wierzyciel's Cash Conversion Cycle (CCC) for the three months ended in Mar. 2026 was 670.29.


Wierzyciel  (WAR:WRL) Cash Conversion Cycle Explanation

Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.


Be Aware

CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.

The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.


Wierzyciel Cash Conversion Cycle Related Terms


Wierzyciel Cash Conversion Cycle Historical Data

* Premium members only.

The historical data trend for Wierzyciel's Cash Conversion Cycle 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.

Wierzyciel Cash Conversion Cycle Chart

Wierzyciel Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash Conversion Cycle
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,091.51 1,514.20 817.95 1,597.69 878.15

Wierzyciel Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cash Conversion Cycle Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,085.68 5,452.89 333.43 2,249.23 670.29

WAR:WRL vs V, MA, AXP: Cash Conversion Cycle Comparison

For the Credit Services subindustry, Wierzyciel's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle 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.


Wierzyciel Cash Conversion Cycle vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Wierzyciel's Cash Conversion Cycle distribution charts can be found below:

* The bar in red indicates where Wierzyciel's Cash Conversion Cycle falls into.


WAR:WRL
59GF Score
Wierzyciel SA WAR:WRL
Cash Conversion Cycle is just one metric. See GF Score™, valuation, warning signs, and more.
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Wierzyciel Cash Conversion Cycle Calculation

Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.

Cash Conversion Cycle is one of several measures of management effectiveness.

Wierzyciel's Cash Conversion Cycle for the fiscal year that ended in Dec. 2025 is calculated as

Cash Conversion Cycle=Days Sales Outstanding +Days Inventory-Days Payable
=576.31+312.76-10.92
=878.15

Wierzyciel's Cash Conversion Cycle for the quarter that ended in Mar. 2026 is calculated as:

Cash Conversion Cycle=Days Sales Outstanding+Days Inventory-Days Payable
=461.47+225.89-17.07
=670.29

* 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.

Frequently Asked Questions Learn more about Cash Conversion Cycle →
What does a Cash Conversion Cycle of 670.29 mean?
Wierzyciel (WAR:WRL) has a Cash Conversion Cycle of 670.29 as of Mar. 2026. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Wierzyciel and its competitors.
Is Wierzyciel's Cash Conversion Cycle too high?
Wierzyciel's current Cash Conversion Cycle is 670.29. The Credit Services industry median Cash Conversion Cycle is 1.48. Wierzyciel's value of 670.29 is 45189.9% above this industry median. Overall, Wierzyciel has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Wierzyciel's Cash Conversion Cycle compare to V and MA?
Wierzyciel's Cash Conversion Cycle of 670.29 can be compared against companies in the Credit Services industry. The industry median Cash Conversion Cycle is 1.48. Wierzyciel's value of 670.29 is 45189.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Credit Services company?
The median Cash Conversion Cycle among Credit Services companies is 1.48, based on 375 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wierzyciel's current Cash Conversion Cycle of 670.29 is 45189.9% 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 Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Wierzyciel and its competitors. For the Credit Services industry, the median Cash Conversion Cycle is 1.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wierzyciel's current Cash Conversion Cycle is 670.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wierzyciel stock overvalued right now?
Based on GuruFocus' analysis, Wierzyciel (WAR:WRL) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.96, compared to a current price of zł0.67 — trading 29.8% below its estimated fair value. The current Cash Conversion Cycle is 670.29 and 45189.9% above the Credit Services industry median of 1.48. Wierzyciel's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For Wierzyciel (WAR:WRL), the current Cash Conversion Cycle is 670.29 as of Mar. 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 Wierzyciel (WAR:WRL) Overvalued in 2026?

Based on GuruFocus' analysis, Wierzyciel stock appears to be undervalued. The current stock price of zł0.67 is trading 29.8% below its estimated GF Value™ of zł0.96. GuruFocus considers Wierzyciel to be Possible Value Trap.

Key valuation signals for WAR:WRL:

  • Cash Conversion Cycle: 670.29
  • GF Value™: zł0.96 vs. price of zł0.67 (29.8% below fair value)
  • GF Score™: 59/100 with 2 warning signs
  • Industry Position: 45189.9% above the Credit Services median

No single metric tells the full story. See the WAR:WRL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Wierzyciel Business Description

Address street Nowy ?wiat 3, Ruda Slaska, POL, 41-706
Wierzyciel SA is a Poland based company engaged in the consumer financial services provision. The company also operates on the cash loan sales market.
59GF Score

Get the complete analysis for WAR:WRL

Cash Conversion Cycle is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł0.67
Price
zł0.96
GF Value