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Centrum FinansoweWAR:CFS 76 EV-to-EBITDA is 3.74 as of Jul. 20, 2026, which is 1% above its 10-year median of 3.70. 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 325 Credit Services companies, Centrum Finansowe ranks better than 92% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Centrum Finansowe's enterprise value is zł39.79 Mil.
Centrum Finansowe's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was zł10.63 Mil. Therefore, Centrum Finansowe's EV-to-EBITDA for today is 3.74.
The historical rank and industry rank for Centrum Finansowe's EV-to-EBITDA or its related term are showing as below:
WAR:CFS'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -99.89 Med: 3.7 Max: 18.18
Current: 3.74
During the past 13 years, the highest EV-to-EBITDA of Centrum Finansowe was 18.18. The lowest was -99.89. And the median was 3.70.
WAR:CFS's EV-to-EBITDA is ranked better than 92% of 325
companies
in the Credit Services industry
Industry Median: 22.5
vs WAR:CFS: 3.74
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Centrum Finansowe (WAR:CFS) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Centrum Finansowe's PE Ratio (TTM) for today is calculated as:
Centrum Finansowe's share price for today is zł4.66.
Centrum Finansowe's Earnings per Share (Diluted) 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 zł0.696.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Centrum Finansowe's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's EV-to-EBITDA falls into.
Centrum Finansowe's current Enterprise Value is zł39.79 Mil.
Centrum Finansowe's EBITDA 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 zł10.63 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-EBITDA of 3.74 as of Jul. 20, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Centrum Finansowe. This is near median its historical median of 3.70. According to the industry distribution chart, Centrum Finansowe ranks #26 out of 325 companies in the Credit Services industry, placing it in the top 8%.
Is Centrum Finansowe's EV-to-EBITDA too high?
Centrum Finansowe's current EV-to-EBITDA of 3.74 is near median its 10-year median of 3.70. The Credit Services industry median EV-to-EBITDA is 22.50. Centrum Finansowe's value of 3.74 is 83.4% below this industry median. Based on the distribution chart, Centrum Finansowe ranks #26 out of 325 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-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #26 out of 325 companies for EV-to-EBITDA. This places Centrum Finansowe in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 22.50. Centrum Finansowe's value of 3.74 is 83.4% below this benchmark. While the company's 10-year median is 3.70 vs. the industry median of 22.50, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 22.50, based on 325 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current EV-to-EBITDA of 3.74 is 83.4% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Centrum Finansowe. For the Credit Services industry, the median EV-to-EBITDA is 22.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current EV-to-EBITDA is 3.74, which is near median its own 10-year median of 3.70. 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-EBITDA is 3.74, which is near median its 10-year median of 3.70 and 83.4% below the Credit Services industry median of 22.50. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current EV-to-EBITDA is 3.74 as of Jul. 20, 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-EBITDA: 3.74 (near median its 10-year median of 3.70)
GF Value™: zł4.39 vs. price of zł4.66 (6.2% above fair value)
Industry Position: 83.4% below the Credit Services median (#26 of 325)
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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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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