Centrum FinansoweWAR:CFS -0.42%70 EBITDA Margin % is 42.40% as of Sep. 2025, which is 19% below its 10-year median of 52.59. 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 414 Credit Services companies, Centrum Finansowe ranks better than 75.6% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Centrum Finansowe's EBITDA for the
three
months ended in Sep. 2025 was zł2.01 Mil. Centrum Finansowe's Revenue for the
three
months ended in Sep. 2025 was zł4.74 Mil. Therefore, Centrum Finansowe's EBITDA margin for the quarter that ended in Sep. 2025 was 42.40%.
Centrum Finansowe (WAR:CFS) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Centrum Finansowe EBITDA Margin % Related Terms
Centrum Finansowe EBITDA Margin % Historical Data
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The historical data trend for Centrum Finansowe's EBITDA Margin % 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 EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's EBITDA Margin % 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 EBITDA Margin % of 42.40% as of Sep. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Centrum Finansowe and its competitors. This is 19% below median its historical median of 52.59. According to the industry distribution chart, Centrum Finansowe ranks #101 out of 414 companies in the Credit Services industry, placing it in the top 24.4%.
Is Centrum Finansowe's EBITDA Margin % too high?
Centrum Finansowe's current EBITDA Margin % of 42.40% is 19% below median its 10-year median of 52.59. The Credit Services industry median EBITDA Margin % is 20.91. Centrum Finansowe's value of 42.40% is 102.8% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #101 out of 414 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 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #101 out of 414 companies for EBITDA Margin %. This places Centrum Finansowe in the top 24% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 20.91. Centrum Finansowe's value of 42.40% is 102.8% above this benchmark. While the company's 10-year median is 52.59 vs. the industry median of 20.91, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current EBITDA Margin % of 42.40% is 102.8% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current EBITDA Margin % is 42.40%, which is 19% below median its own 10-year median of 52.59. 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 EBITDA Margin % is 42.40%, which is 19% below median its 10-year median of 52.59 and 102.8% above the Credit Services industry median of 20.91. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current EBITDA Margin % is 42.40% 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:
EBITDA Margin %: 42.40% (19% below median its 10-year median of 52.59)
GF Value™: zł5.17 vs. price of zł4.74 (8.3% below fair value)
Industry Position: 102.8% above the Credit Services median (#101 of 414)
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
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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