Centrum Finansowe (WAR:CFS) Cyclically Adjusted Book per Share: zł4.93 (As of Dec. 2025)

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WAR:CFS Centrum Finansowe SA WAR:CFS
76 GF Score
Price zł4.66
GF Value zł4.39
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is Centrum Finansowe Cyclically Adjusted Book per Share?

Centrum Finansowe WAR:CFS 76 Cyclically Adjusted Book per Share is zł4.93 as of Dec. 2025. GuruFocus rates WAR:CFS with a GF Score™ of 76/100 and a GF Value™ of zł4.39 (Fairly Valued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Centrum Finansowe's adjusted book value per share for the three months ended in Dec. 2025 was zł7.255. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is zł4.93 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Centrum Finansowe's average Cyclically Adjusted Book Growth Rate was 10.50% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 11.80% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 16.00% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Centrum Finansowe was 19.00% per year. The lowest was 11.80% per year. And the median was 16.40% per year.

As of today (2026-07-19), Centrum Finansowe's current stock price is zł4.66. Centrum Finansowe's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 was zł4.93. Centrum Finansowe's Cyclically Adjusted PB Ratio of today is 0.95.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Centrum Finansowe was 2.12. The lowest was 0.94. And the median was 1.21.


Centrum Finansowe  (WAR:CFS) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Centrum Finansowe's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=4.66/4.93
=0.95

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Centrum Finansowe was 2.12. The lowest was 0.94. And the median was 1.21.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Centrum Finansowe Cyclically Adjusted Book per Share Related Terms


Centrum Finansowe Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Centrum Finansowe's Cyclically Adjusted Book 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.

Centrum Finansowe Cyclically Adjusted Book per Share Chart

Centrum Finansowe Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.83 3.53 3.96 4.46 4.93

Centrum Finansowe Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cyclically Adjusted Book per Share 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 4.46 4.60 4.69 4.78 4.93

WAR:CFS vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Centrum Finansowe's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted 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 Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Centrum Finansowe's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Centrum Finansowe's Cyclically Adjusted PB Ratio falls into.


WAR:CFS
76GF Score
Centrum Finansowe SA WAR:CFS
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Centrum Finansowe Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Centrum Finansowe's adjusted Book Value per Share data for the three months ended in Dec. 2025 was:

Adj_Book= Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=7.255/158.3200*158.3200
=7.255

Current CPI (Dec. 2025) = 158.3200.

Centrum Finansowe Quarterly Data

Book Value per Share CPI Adj_Book
201603 1.046 98.983 1.673
201606 0.841 99.552 1.337
201609 1.397 99.064 2.233
201612 1.750 100.366 2.760
201703 1.764 101.018 2.765
201706 1.767 101.180 2.765
201709 1.820 101.343 2.843
201712 1.835 102.564 2.833
201803 1.987 102.564 3.067
201806 2.114 103.378 3.238
201809 2.401 103.378 3.677
201812 2.423 103.785 3.696
201903 2.515 104.274 3.819
201906 2.695 105.983 4.026
201909 2.849 105.983 4.256
201912 3.079 107.123 4.551
202003 3.200 109.076 4.645
202006 3.471 109.402 5.023
202009 3.917 109.320 5.673
202012 4.297 109.565 6.209
202103 4.511 112.658 6.339
202106 4.249 113.960 5.903
202109 4.641 115.588 6.357
202112 4.649 119.088 6.181
202203 4.948 125.031 6.265
202206 4.284 131.705 5.150
202209 4.770 135.531 5.572
202212 5.038 139.113 5.734
202303 5.540 145.950 6.010
202306 5.289 147.009 5.696
202309 5.587 146.113 6.054
202312 6.064 147.741 6.498
202403 6.290 149.044 6.681
202406 6.314 150.997 6.620
202409 6.624 153.439 6.835
202412 6.886 154.660 7.049
202503 6.613 157.021 6.668
202506 6.534 157.509 6.568
202509 6.822 158.000 6.836
202512 7.255 158.320 7.255

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of zł4.93 mean?
Centrum Finansowe (WAR:CFS) has a Cyclically Adjusted Book per Share of zł4.93 as of Dec. 2025. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Centrum Finansowe and its competitors.
Is Centrum Finansowe's Cyclically Adjusted Book per Share too high?
Centrum Finansowe's current Cyclically Adjusted Book per Share is zł4.93. Overall, Centrum Finansowe has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's Cyclically Adjusted Book per Share compare to V and MA?
Centrum Finansowe's Cyclically Adjusted Book per Share of zł4.93 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 Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Centrum Finansowe and its competitors. Centrum Finansowe's current Cyclically Adjusted Book per Share is zł4.93. 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 zł4.39, compared to a current price of zł4.66 — trading 6.2% above its estimated fair value. The current Cyclically Adjusted Book per Share is zł4.93. Centrum Finansowe's overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Cyclically Adjusted Book per Share is zł4.93 as of Dec. 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 overvalued. The current stock price of zł4.66 is trading 6.2% above its estimated GF Value™ of zł4.39. GuruFocus considers Centrum Finansowe to be Fairly Valued.

Key valuation signals for WAR:CFS:

  • Cyclically Adjusted Book per Share: zł4.93
  • GF Value™: zł4.39 vs. price of zł4.66 (6.2% above fair value)
  • GF Score™: 76/100 with 6 warning signs

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 Business Description

Address ulica Grzybowska 87, Warsaw, POL, 00-844
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.
76GF Score

Get the complete analysis for WAR:CFS

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł4.66
Price
zł4.39
GF Value