PBS Finanse (WAR:PBF) 5-Year EBITDA Growth Rate: 0.00% (As of Mar. 2026)

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WAR:PBF PBS Finanse SA WAR:PBF
75 GF Score
Price zł1.05
GF Value zł1.41
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PBS Finanse 5-Year EBITDA Growth Rate?

PBS Finanse WAR:PBF 75 5-Year EBITDA Growth Rate is 0.00% as of Mar. 2026. GuruFocus rates WAR:PBF with a GF Score™ of 75/100 and a GF Value™ of zł1.41 (Modestly Undervalued). The stock has 2 warning signs investors should review.

PBS Finanse's EBITDA per Share for the three months ended in Mar. 2026 was zł-0.01.

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 average EBITDA per share growth rate.

During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of PBS Finanse was 66.70% per year. The lowest was -184.10% per year. And the median was 20.60% per year.

PBS Finanse  (WAR:PBF) 5-Year EBITDA Growth Rate Explanation

EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

5-Year EBITDA Growth Rate gives an overview of the company's growth in operating profitability and is an important factor used in calculating Peter Lynch Fair Value.

PBS Finanse 5-Year EBITDA Growth Rate Related Terms

WAR:PBF vs V, MA, AXP: 5-Year EBITDA Growth Rate Comparison

For the Credit Services subindustry, PBS Finanse's 5-Year EBITDA Growth Rate, along with its competitors' market caps and 5-Year EBITDA Growth Rate 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.

PBS Finanse 5-Year EBITDA Growth Rate vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PBS Finanse's 5-Year EBITDA Growth Rate distribution charts can be found below:

* The bar in red indicates where PBS Finanse's 5-Year EBITDA Growth Rate falls into.


WAR:PBF
75GF Score
PBS Finanse SA WAR:PBF
5-Year EBITDA Growth Rate is just one metric. See GF Score™, valuation, warning signs, and more.
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PBS Finanse 5-Year EBITDA Growth Rate Calculation

This is the 5-year average growth rate of EBITDA per Share. The growth rate is calculated with least square regression.

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 average EBITDA per share growth rate.

What does a 5-Year EBITDA Growth Rate of 0.00% mean?
PBS Finanse (WAR:PBF) has a 5-Year EBITDA Growth Rate of 0.00% as of Mar. 2026. 5-Year EBITDA Growth Rate is the 5-year average growth rate of EBITDA per share. View historical data for PBS Finanse and its competitors.
Is PBS Finanse's 5-Year EBITDA Growth Rate too high?
PBS Finanse's current 5-Year EBITDA Growth Rate is 0.00%. Overall, PBS Finanse has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBS Finanse's 5-Year EBITDA Growth Rate compare to V and MA?
PBS Finanse's 5-Year EBITDA Growth Rate of 0.00% 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 5-Year EBITDA Growth Rate for a Credit Services company?
A good 5-Year EBITDA Growth Rate depends on the Credit Services industry context. However, 5-Year EBITDA Growth Rate 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 5-Year EBITDA Growth Rate mean?
A high 5-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 5-Year EBITDA Growth Rate is the 5-year average growth rate of EBITDA per share. View historical data for PBS Finanse and its competitors. PBS Finanse's current 5-Year EBITDA Growth Rate is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBS Finanse stock overvalued right now?
Based on GuruFocus' analysis, PBS Finanse (WAR:PBF) is currently considered Modestly Undervalued. The stock's GF Value™ is zł1.41, compared to a current price of zł1.05 — trading 25.5% below its estimated fair value. The current 5-Year EBITDA Growth Rate is 0.00%. PBS Finanse's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year EBITDA Growth Rate calculated?
5-Year EBITDA Growth Rate is calculated from a company's financial statements. For PBS Finanse (WAR:PBF), the current 5-Year EBITDA Growth Rate is 0.00% as of Mar. 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 PBS Finanse (WAR:PBF) Overvalued in 2026?

Based on GuruFocus' analysis, PBS Finanse stock appears to be undervalued. The current stock price of zł1.05 is trading 25.5% below its estimated GF Value™ of zł1.41. GuruFocus considers PBS Finanse to be Modestly Undervalued.

Key valuation signals for WAR:PBF:

  • 5-Year EBITDA Growth Rate: 0.00%
  • GF Value™: zł1.41 vs. price of zł1.05 (25.5% below fair value)
  • GF Score™: 75/100 with 2 warning signs

No single metric tells the full story. See the WAR:PBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PBS Finanse Business Description

Address ul. Mickiewicza 29, Sanok, POL, 38-500
PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.
75GF Score

Get the complete analysis for WAR:PBF

5-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł1.05
Price
zł1.41
GF Value