Centrum FinansoweWAR:CFS -0.42%70 Current Ratio is 1.68 as of Sep. 2025, which is 63% below its 10-year median of 4.51. GuruFocus rates WAR:CFS with a GF Score™ of 70/100 and a GF Value™ of zł5.17 (Fairly Valued). The stock has 4 warning signs investors should review. Among 394 Credit Services companies, Centrum Finansowe ranks worse than 69.54% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Centrum Finansowe's current ratio for the quarter that ended in Sep. 2025 was 1.68.
Centrum Finansowe has a current ratio of 1.68. It generally indicates good short-term financial strength.
The historical rank and industry rank for Centrum Finansowe's Current Ratio or its related term are showing as below:
WAR:CFS'
s Current Ratio Range Over the Past 10 Years
Min: 0.06 Med: 4.51 Max: 21.1
Current: 1.68
During the past 13 years, Centrum Finansowe's highest Current Ratio was 21.10. The lowest was 0.06. And the median was 4.51.
WAR:CFS's Current Ratio is ranked worse than 69.54% of 394
companies
in the Credit Services industry
Industry Median: 5.055
vs WAR:CFS: 1.68
Centrum Finansowe (WAR:CFS) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Centrum Finansowe Current Ratio Related Terms
Centrum Finansowe Current Ratio Historical Data
* Premium members only.
The historical data trend for Centrum Finansowe's Current Ratio 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.
For the Credit Services subindustry, Centrum Finansowe's Current Ratio, along with its competitors' market caps and Current 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's Current Ratio distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's Current 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 Current Ratio of 1.68 as of Sep. 2025. This is 63% below median its historical median of 4.51. Over the past decade, Centrum Finansowe's Current Ratio has ranged from 0.06 to 21.10. According to the industry distribution chart, Centrum Finansowe ranks #274 out of 394 companies in the Credit Services industry, placing it in the top 69.5%.
Is Centrum Finansowe's Current Ratio too high?
Centrum Finansowe's current Current Ratio of 1.68 is 63% below median its 10-year median of 4.51. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 21.10. The Credit Services industry median Current Ratio is 5.06. Centrum Finansowe's value of 1.68 is 66.8% below this industry median. Based on the distribution chart, Centrum Finansowe ranks #274 out of 394 companies in the Credit Services industry, which is below the industry midpoint. Overall, Centrum Finansowe has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #274 out of 394 companies for Current Ratio. This places Centrum Finansowe in the lower half of its industry. The industry median Current Ratio is 5.06. Centrum Finansowe's value of 1.68 is 66.8% below this benchmark. Historically, Centrum Finansowe's own Current Ratio has ranged from 0.06 to 21.10 over the past decade. While the company's 10-year median is 4.51 vs. the industry median of 5.06, Centrum Finansowe has consistently been below 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 Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 5.06, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current Current Ratio of 1.68 is 66.8% below 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 5.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current Current Ratio is 1.68, which is 63% below median its own 10-year median of 4.51. 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 zł5.17, compared to a current price of zł4.74 — trading 8.3% below its estimated fair value. The current Current Ratio is 1.68, which is 63% below median its 10-year median of 4.51 and 66.8% below the Credit Services industry median of 5.06. Centrum Finansowe's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Current Ratio is 1.68 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 zł4.74 is trading 8.3% below its estimated GF Value™ of zł5.17.
GuruFocus considers Centrum Finansowe to be Fairly Valued.
Key valuation signals for WAR:CFS:
Current Ratio: 1.68 (63% below median its 10-year median of 4.51)
GF Value™: zł5.17 vs. price of zł4.74 (8.3% below fair value)
Industry Position: 66.8% below the Credit Services median (#274 of 394)
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.
70GF Score
Get the complete analysis for WAR:CFS
Current Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WAR:CFS has been successfully added to your 
