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Centrum FinansoweWAR:CFS 73 EV-to-OCF is 2.85 as of Aug. 10, 2026, which is 7% below its 10-year median of 3.07. GuruFocus rates WAR:CFS with a GF Score™ of 73/100 and a GF Value™ of zł4.38 (Fairly Valued). The stock has 6 warning signs investors should review. Among 545 Credit Services companies, Centrum Finansowe ranks worse than 57.43% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Centrum Finansowe's Enterprise Value is zł40.60 Mil.
Centrum Finansowe's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was zł14.25 Mil. Therefore, Centrum Finansowe's EV-to-OCF for today is 2.85.
The historical rank and industry rank for Centrum Finansowe's EV-to-OCF or its related term are showing as below:
WAR:CFS'
s EV-to-OCF Range Over the Past 10 Years
Min: 0.5 Med: 3.07 Max: 11.11
Current: 2.85
During the past 13 years, the highest EV-to-OCF of Centrum Finansowe was 11.11. The lowest was 0.50. And the median was 3.07.
WAR:CFS's EV-to-OCF is ranked worse than 57.43% of 545
companies
in the Credit Services industry
Industry Median: -1.03
vs WAR:CFS: 2.85
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 zł4.74.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Centrum Finansowe EV-to-OCF Related Terms
Centrum Finansowe EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Centrum Finansowe's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's EV-to-OCF falls into.
Centrum Finansowe's current Enterprise Value is zł40.60 Mil.
Centrum Finansowe's Cash Flow from Operations 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 zł14.25 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-OCF of 2.85 as of Aug. 10, 2026. This is near median its historical median of 3.07. Over the past decade, Centrum Finansowe's EV-to-OCF has ranged from 0.50 to 11.11. According to the industry distribution chart, Centrum Finansowe ranks #313 out of 545 companies in the Credit Services industry, placing it in the top 57.4%.
Is Centrum Finansowe's EV-to-OCF too high?
Centrum Finansowe's current EV-to-OCF of 2.85 is near median its 10-year median of 3.07. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 11.11. Based on the distribution chart, Centrum Finansowe ranks #313 out of 545 companies in the Credit Services industry, which is below the industry midpoint. Overall, Centrum Finansowe has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #313 out of 545 companies for EV-to-OCF. This places Centrum Finansowe in the lower half of its industry. Historically, Centrum Finansowe's own EV-to-OCF has ranged from 0.50 to 11.11 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Centrum Finansowe's current EV-to-OCF is 2.85, which is near median its own 10-year median of 3.07. 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 zł4.38, compared to a current price of zł4.74 — trading 8.2% above its estimated fair value. The current EV-to-OCF is 2.85, which is near median its 10-year median of 3.07. Centrum Finansowe's overall GF Score™ is 73/100 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current EV-to-OCF is 2.85 as of Aug. 10, 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 zł4.74 is trading 8.2% above its estimated GF Value™ of zł4.38.
GuruFocus considers Centrum Finansowe to be Fairly Valued.
Key valuation signals for WAR:CFS:
EV-to-OCF: 2.85 (near median its 10-year median of 3.07)
GF Value™: zł4.38 vs. price of zł4.74 (8.2% above fair value)
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.
73GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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