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Centrum FinansoweWAR:CFS 76 EV-to-EBIT is 3.75 as of Jul. 19, 2026, which is 1% above its 10-year median of 3.72. 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 312 Credit Services companies, Centrum Finansowe ranks better than 91.67% on this metric.
Centrum Finansowe (WAR:CFS) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
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 adds up the quarterly data reported by the company within the most recent 12 months, which was zł10.62 Mil.
* 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 EV-to-EBIT Related Terms
Centrum Finansowe EV-to-EBIT Historical Data
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The historical data trend for Centrum Finansowe's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's EV-to-EBIT falls into.
Centrum Finansowe's current Enterprise Value is zł39.79 Mil.
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.
* 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 EV-to-EBIT of 3.75 as of Jul. 19, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Centrum Finansowe and its competitors. This is near median its historical median of 3.72. According to the industry distribution chart, Centrum Finansowe ranks #26 out of 312 companies in the Credit Services industry, placing it in the top 8.3%.
Is Centrum Finansowe's EV-to-EBIT too high?
Centrum Finansowe's current EV-to-EBIT of 3.75 is near median its 10-year median of 3.72. The Credit Services industry median EV-to-EBIT is 23.66. Centrum Finansowe's value of 3.75 is 84.2% below this industry median. Based on the distribution chart, Centrum Finansowe ranks #26 out of 312 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 EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #26 out of 312 companies for EV-to-EBIT. This places Centrum Finansowe in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 23.66. Centrum Finansowe's value of 3.75 is 84.2% below this benchmark. While the company's 10-year median is 3.72 vs. the industry median of 23.66, Centrum Finansowe has consistently been below 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 23.66, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current EV-to-EBIT of 3.75 is 84.2% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median EV-to-EBIT is 23.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current EV-to-EBIT is 3.75, which is near median its own 10-year median of 3.72. 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 zł4.39, compared to a current price of zł4.66 — trading 6.2% above its estimated fair value. The current EV-to-EBIT is 3.75, which is near median its 10-year median of 3.72 and 84.2% below the Credit Services industry median of 23.66. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current EV-to-EBIT is 3.75 as of Jul. 19, 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 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:
EV-to-EBIT: 3.75 (near median its 10-year median of 3.72)
GF Value™: zł4.39 vs. price of zł4.66 (6.2% above fair value)
Industry Position: 84.2% below the Credit Services median (#26 of 312)
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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