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Centrum FinansoweWAR:CFS -0.83%77 Cash-to-Debt is 1.62 as of Jun. 2026, which is 100% below its 10-year median of 10,000.00. 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 518 Credit Services companies, Centrum Finansowe ranks better than 76.06% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Centrum Finansowe's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.62.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Centrum Finansowecould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Centrum Finansowe's Cash-to-Debt or its related term are showing as below:
WAR:CFS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.17 Med: No Debt Max: No Debt
Current: 1.62
During the past 13 years, Centrum Finansowe's highest Cash to Debt Ratio was No Debt. The lowest was 1.17. And the median was No Debt.
WAR:CFS's Cash-to-Debt is ranked better than 76.06% of 518
companies
in the Credit Services industry
Industry Median: 0.19
vs WAR:CFS: 1.62
Centrum Finansowe (WAR:CFS) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Centrum Finansowe Cash-to-Debt Related Terms
Centrum Finansowe Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Centrum Finansowe's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Centrum Finansowe's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's Cash-to-Debt 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 Cash-to-Debt of 1.62 as of Jun. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, Centrum Finansowe's Cash-to-Debt has ranged from 1.17 to 10,000.00. According to the industry distribution chart, Centrum Finansowe ranks #124 out of 518 companies in the Credit Services industry, placing it in the top 23.9%.
Is Centrum Finansowe's Cash-to-Debt too high?
Centrum Finansowe's current Cash-to-Debt of 1.62 is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 1.17 to a high of 10,000.00. The Credit Services industry median Cash-to-Debt is 0.19. Centrum Finansowe's value of 1.62 is 752.6% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #124 out of 518 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #124 out of 518 companies for Cash-to-Debt. This places Centrum Finansowe in the top 24% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 0.19. Centrum Finansowe's value of 1.62 is 752.6% above this benchmark. Historically, Centrum Finansowe's own Cash-to-Debt has ranged from 1.17 to 10,000.00 over the past decade. While the company's 10-year median is 10,000.00 vs. the industry median of 0.19, 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 Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current Cash-to-Debt of 1.62 is 752.6% 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-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current Cash-to-Debt is 1.62, which is 100% below median its own 10-year median of 10,000.00. 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 zł4.76 — trading 1.7% above its estimated fair value. The current Cash-to-Debt is 1.62, which is 100% below median its 10-year median of 10,000.00 and 752.6% above the Credit Services industry median of 0.19. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Cash-to-Debt is 1.62 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 zł4.76 is trading 1.7% above its estimated GF Value™ of zł4.68.
GuruFocus considers Centrum Finansowe to be Fairly Valued.
Key valuation signals for WAR:CFS:
Cash-to-Debt: 1.62 (100% below median its 10-year median of 10,000.00)
GF Value™: zł4.68 vs. price of zł4.76 (1.7% above fair value)
Industry Position: 752.6% above the Credit Services median (#124 of 518)
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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