Centrum Finansowe (WAR:CFS) E10: zł0.72 (As of Sep. 2025)


WAR:CFS Centrum Finansowe SA WAR:CFS
70 GF Score
Price zł4.74
GF Value zł5.17
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Centrum Finansowe E10?

Centrum Finansowe WAR:CFS -0.42% 70 E10 is zł0.72 as of Sep. 2025. 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.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Centrum Finansowe's adjusted earnings per share data for the three months ended in Sep. 2025 was zł0.164. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is zł0.72 for the trailing ten years ended in Sep. 2025.

During the past 12 months, Centrum Finansowe's average E10 Growth Rate was 14.30% per year. During the past 3 years, the average E10 Growth Rate was 26.00% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Centrum Finansowe was 28.30% per year. The lowest was 26.00% per year. And the median was 27.15% per year.

As of today (2026-06-26), Centrum Finansowe's current stock price is zł4.74. Centrum Finansowe's E10 for the quarter that ended in Sep. 2025 was zł0.72. Centrum Finansowe's Shiller PE Ratio of today is 6.58.

During the past 13 years, the highest Shiller PE Ratio of Centrum Finansowe was 18.45. The lowest was 6.39. And the median was 8.87.


Centrum Finansowe  (WAR:CFS) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Centrum Finansowe's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=4.74/0.72
=6.58

* 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 Shiller P/E Ratio of Centrum Finansowe was 18.45. The lowest was 6.39. And the median was 8.87.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Centrum Finansowe E10 Related Terms


Centrum Finansowe E10 Historical Data

* Premium members only.

The historical data trend for Centrum Finansowe's E10 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 E10 Chart

Centrum Finansowe Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.27 0.34 0.47 0.57 0.68

Centrum Finansowe Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
E10 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 0.63 0.68 0.69 0.71 0.72

WAR:CFS vs V, MA, AXP: E10 Comparison

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

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

* The bar in red indicates where Centrum Finansowe's Shiller PE Ratio falls into.


WAR:CFS
70GF Score
Centrum Finansowe SA WAR:CFS
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Centrum Finansowe E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Sep. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Sep. 2025 (Change)*Current CPI (Sep. 2025)
=0.164/157.9976*157.9976
=0.164

Current CPI (Sep. 2025) = 157.9976.

Centrum Finansowe Quarterly Data

per share eps CPI Adj_EPS
201512 -0.995 99.471 -1.580
201603 0.076 98.983 0.121
201606 -0.203 99.552 -0.322
201609 0.612 99.064 0.976
201612 0.372 100.366 0.586
201703 0.013 101.018 0.020
201706 0.004 101.180 0.006
201709 0.054 101.343 0.084
201712 0.015 102.564 0.023
201803 0.150 102.564 0.231
201806 0.132 103.378 0.202
201809 0.289 103.378 0.442
201812 0.012 103.785 0.018
201903 0.093 104.274 0.141
201906 0.173 105.983 0.258
201909 0.147 105.983 0.219
201912 0.236 107.123 0.348
202003 0.124 109.076 0.180
202006 0.020 109.402 0.029
202009 0.238 109.320 0.344
202012 0.268 109.565 0.386
202103 0.187 112.658 0.262
202106 0.165 113.960 0.229
202109 0.278 115.588 0.380
202112 0.091 119.088 0.121
202203 0.244 125.031 0.308
202206 0.205 131.705 0.246
202209 0.340 135.531 0.396
202212 0.133 139.113 0.151
202303 0.203 145.950 0.220
202306 0.263 147.009 0.283
202309 0.117 146.113 0.127
202312 0.351 147.741 0.375
202403 0.183 149.044 0.194
202406 0.289 150.997 0.302
202409 0.130 153.439 0.134
202412 0.360 154.660 0.368
202503 0.085 157.021 0.086
202506 0.181 157.509 0.182
202509 0.164 157.998 0.164

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of zł0.72 mean?
Centrum Finansowe (WAR:CFS) has a E10 of zł0.72 as of Sep. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Centrum Finansowe and its competitors.
Is Centrum Finansowe's E10 too high?
Centrum Finansowe's current E10 is zł0.72. 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 E10 compare to V and MA?
Centrum Finansowe's E10 of zł0.72 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 E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Centrum Finansowe and its competitors. Centrum Finansowe's current E10 is zł0.72. 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 E10 is zł0.72. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current E10 is zł0.72 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:

  • E10: zł0.72
  • GF Value™: zł5.17 vs. price of zł4.74 (8.3% below fair value)
  • GF Score™: 70/100 with 4 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.
70GF Score

Get the complete analysis for WAR:CFS

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł4.74
Price
zł5.17
GF Value