Centrum Finansowe (WAR:CFS) Effective Interest Rate on Debt %: 0.00% (As of Sep. 2025)

What is Centrum Finansowe Effective Interest Rate on Debt %?

Centrum Finansowe WAR:CFS 69 Effective Interest Rate on Debt % is 0.00% as of Sep. 2025. GuruFocus rates WAR:CFS with a GF Score™ of 69/100 and a GF Value™ of zł5.18 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Centrum Finansowe's annualized positive value of Interest Expense for the quarter that ended in Sep. 2025 was zł0.00 Mil. Centrum Finansowe's average total debt for the quarter that ended in Sep. 2025 was zł12.98 Mil. Therefore, Centrum Finansowe's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 was 0.00%.

Centrum Finansowe (WAR:CFS) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Centrum Finansowe Effective Interest Rate on Debt % Related Terms

Centrum Finansowe Effective Interest Rate on Debt % Historical Data

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The historical data trend for Centrum Finansowe's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart

Centrum Finansowe Annual Data

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Effective Interest Rate on Debt %

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Centrum Finansowe Quarterly Data
	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															0.00	0.00	0.85	3.12	0.00

WAR:CFS vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, Centrum Finansowe's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Centrum Finansowe's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Centrum Finansowe's Effective Interest Rate on Debt % falls into.

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69GF Score

Centrum Finansowe SA WAR:CFS

Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.

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Centrum Finansowe Effective Interest Rate on Debt % Calculation

Centrum Finansowe's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -1.673	/	( (0	+	0)	/ 1 )
=	-1 * -1.673	/	0
=	N/A %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

Centrum Finansowe's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2025 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Jun. 2025 )	+	Total Debt (Q: Sep. 2025 ))	/ count )
=	-1 * 0	/	( (13.818	+	12.142)	/ 2 )
=	-1 * 0	/	12.98
=	0.00 %

where

	Total Debt (Q: Jun. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	4.2	+	9.618
=	13.818

	Total Debt (Q: Sep. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	4.2	+	7.942
=	12.142

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Sep. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about Effective Interest Rate on Debt % →

What does a Effective Interest Rate on Debt % of 0.00% mean?

Centrum Finansowe (WAR:CFS) has a Effective Interest Rate on Debt % of 0.00% as of Sep. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Centrum Finansowe and its competitors.

Is Centrum Finansowe's Effective Interest Rate on Debt % too high?

Centrum Finansowe's current Effective Interest Rate on Debt % is 0.00%. Overall, Centrum Finansowe has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Centrum Finansowe's Effective Interest Rate on Debt % compare to V and MA?

Centrum Finansowe's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % for a Credit Services company?

A good Effective Interest Rate on Debt % depends on the Credit Services industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?

A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Centrum Finansowe and its competitors. Centrum Finansowe's current Effective Interest Rate on Debt % 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 Centrum Finansowe stock overvalued right now?

Based on GuruFocus' analysis, Centrum Finansowe (WAR:CFS) is currently considered Modestly Undervalued. The stock's GF Value™ is zł5.18, compared to a current price of zł4.64 — trading 10.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Centrum Finansowe's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Effective Interest Rate on Debt % calculated?

Effective Interest Rate on Debt % is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Effective Interest Rate on Debt % is 0.00% 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 zł4.64 is trading 10.4% below its estimated GF Value™ of zł5.18. GuruFocus considers Centrum Finansowe to be Modestly Undervalued.

Key valuation signals for WAR:CFS:

Effective Interest Rate on Debt %: 0.00%
GF Value™: zł5.18 vs. price of zł4.64 (10.4% below fair value)
GF Score™: 69/100 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

Industry Financial Services Credit Services

Comparable Companies WAR:CAP WAR:NOV WAR:INS WAR:KPI WAR:PBF WAR:PRI WAR:FON WAR:ATS WAR:IFR WAR:MWT V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Address ulica Grzybowska 87, Warsaw, POL, 00-844

Website https://www.cfsa.pl

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.

69GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł4.64

Price

zł5.18

GF Value

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