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Centrum FinansoweWAR:CFS +2.20%74 Equity-to-Asset is 0.71 as of Dec. 2025, which is 1% above its 10-year median of 0.70. GuruFocus rates WAR:CFS with a GF Score™ of 74/100 and a GF Value™ of zł4.39 (Fairly Valued). The stock has 6 warning signs investors should review. Among 548 Credit Services companies, Centrum Finansowe ranks better than 74.82% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Centrum Finansowe's Total Stockholders Equity for the quarter that ended in Dec. 2025 was zł73.43 Mil. Centrum Finansowe's Total Assets for the quarter that ended in Dec. 2025 was zł103.80 Mil.
Therefore, Centrum Finansowe's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.71.
The historical rank and industry rank for Centrum Finansowe's Equity-to-Asset or its related term are showing as below:
WAR:CFS'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.66 Med: 0.7 Max: 0.93
Current: 0.71
During the past 13 years, the highest Equity to Asset Ratio of Centrum Finansowe was 0.93. The lowest was 0.66. And the median was 0.70.
WAR:CFS's Equity-to-Asset is ranked better than 74.82% of 548
companies
in the Credit Services industry
Industry Median: 0.4
vs WAR:CFS: 0.71
Centrum Finansowe (WAR:CFS) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Centrum Finansowe Equity-to-Asset Related Terms
Centrum Finansowe Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Centrum Finansowe's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Centrum Finansowe's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.71 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Centrum Finansowe and its competitors. This is near median its historical median of 0.70. Over the past decade, Centrum Finansowe's Equity-to-Asset has ranged from 0.66 to 0.93. According to the industry distribution chart, Centrum Finansowe ranks #138 out of 548 companies in the Credit Services industry, placing it in the top 25.2%.
Is Centrum Finansowe's Equity-to-Asset too high?
Centrum Finansowe's current Equity-to-Asset of 0.71 is near median its 10-year median of 0.70. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 0.93. The Credit Services industry median Equity-to-Asset is 0.40. Centrum Finansowe's value of 0.71 is 77.5% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #138 out of 548 companies in the Credit Services industry, which is above the industry midpoint. Overall, Centrum Finansowe has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #138 out of 548 companies for Equity-to-Asset. This puts Centrum Finansowe in the upper half of its industry. The industry median Equity-to-Asset is 0.40. Centrum Finansowe's value of 0.71 is 77.5% above this benchmark. Historically, Centrum Finansowe's own Equity-to-Asset has ranged from 0.66 to 0.93 over the past decade. While the company's 10-year median is 0.70 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current Equity-to-Asset of 0.71 is 77.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current Equity-to-Asset is 0.71, which is near median its own 10-year median of 0.70. 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 zł4.64 — trading 5.7% above its estimated fair value. The current Equity-to-Asset is 0.71, which is near median its 10-year median of 0.70 and 77.5% above the Credit Services industry median of 0.40. Centrum Finansowe's overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Equity-to-Asset is 0.71 as of Dec. 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 overvalued.
The current stock price of zł4.64 is trading 5.7% above its estimated GF Value™ of zł4.39.
GuruFocus considers Centrum Finansowe to be Fairly Valued.
Key valuation signals for WAR:CFS:
Equity-to-Asset: 0.71 (near median its 10-year median of 0.70)
GF Value™: zł4.39 vs. price of zł4.64 (5.7% above fair value)
Industry Position: 77.5% above the Credit Services median (#138 of 548)
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.
74GF Score
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