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Centrum FinansoweWAR:CFS +0.87%76 Earnings Yield (Joel Greenblatt) % is 24.69% as of Dec. 2025, which is 8% below its 10-year median of 26.71. 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. Among 547 Credit Services companies, Centrum Finansowe ranks better than 96.89% on this metric.
Centrum Finansowe's Enterprise Value for the quarter that ended in Dec. 2025 was zł43.03 Mil.
Centrum Finansowe's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was zł10.62 Mil. Centrum Finansowe's Earnings Yield (Joel Greenblatt) for the quarter that ended in Dec. 2025 was 24.69%.
The historical rank and industry rank for Centrum Finansowe's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
WAR:CFS'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -1.3 Med: 26.71 Max: 59.78
Current: 26.67
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of Centrum Finansowe was 59.78%. The lowest was -1.30%. And the median was 26.71%.
WAR:CFS's Earnings Yield (Joel Greenblatt) % is ranked better than 96.89% of 547
companies
in the Credit Services industry
Industry Median: 0.97
vs WAR:CFS: 26.67
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Centrum Finansowe's Forward Rate of Return (Yacktman) % for the quarter that ended in Dec. 2025 was 27.12%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Centrum Finansowe (WAR:CFS) Earnings Yield (Joel Greenblatt) % Explanation
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Centrum Finansowe Earnings Yield (Joel Greenblatt) % Related Terms
Centrum Finansowe Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for Centrum Finansowe's Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % Chart
For the Credit Services subindustry, Centrum Finansowe's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's Earnings Yield (Joel Greenblatt) % falls into.
Centrum Finansowe Earnings Yield (Joel Greenblatt) % Calculation
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Centrum Finansowes Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
Centrum Finansowe's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was zł10.62 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 24.69% mean?
Centrum Finansowe (WAR:CFS) has a Earnings Yield (Joel Greenblatt) % of 24.69% as of Dec. 2025. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Centrum Finansowe and its competitors. This is near median its historical median of 26.71. According to the industry distribution chart, Centrum Finansowe ranks #17 out of 547 companies in the Credit Services industry, placing it in the top 3.1%.
Is Centrum Finansowe's Earnings Yield (Joel Greenblatt) % too high?
Centrum Finansowe's current Earnings Yield (Joel Greenblatt) % of 24.69% is near median its 10-year median of 26.71. The Credit Services industry median Earnings Yield (Joel Greenblatt) % is 0.97. Centrum Finansowe's value of 24.69% is 2445.4% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #17 out of 547 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 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's Earnings Yield (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #17 out of 547 companies for Earnings Yield (Joel Greenblatt) %. This places Centrum Finansowe in the top 3% of its industry — outperforming the majority of peers. The industry median Earnings Yield (Joel Greenblatt) % is 0.97. Centrum Finansowe's value of 24.69% is 2445.4% above this benchmark. While the company's 10-year median is 26.71 vs. the industry median of 0.97, 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 Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 0.97, based on 547 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current Earnings Yield (Joel Greenblatt) % of 24.69% is 2445.4% 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 0.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current Earnings Yield (Joel Greenblatt) % is 24.69%, which is near median its own 10-year median of 26.71. 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 Earnings Yield (Joel Greenblatt) % is 24.69%, which is near median its 10-year median of 26.71 and 2445.4% above the Credit Services industry median of 0.97. 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 Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Earnings Yield (Joel Greenblatt) % is 24.69% 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:
Earnings Yield (Joel Greenblatt) %: 24.69% (near median its 10-year median of 26.71)
GF Value™: zł4.39 vs. price of zł4.66 (6.2% above fair value)
Industry Position: 2445.4% above the Credit Services median (#17 of 547)
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.
76GF Score
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