Centrum FinansoweWAR:CFS 70 EV-to-FCF is 5.64 as of Jul. 13, 2026, which is 69% above its 10-year median of 3.34. GuruFocus rates WAR:CFS with a GF Score™ of 70/100 and a GF Value™ of zł5.19 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 265 Credit Services companies, Centrum Finansowe ranks better than 72.45% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Centrum Finansowe's Enterprise Value is zł42.71 Mil.
Centrum Finansowe's Free Cash Flow for the trailing twelve months (TTM) ended in Sep. 2025 was zł7.57 Mil. Therefore, Centrum Finansowe's EV-to-FCF for today is 5.64.
The historical rank and industry rank for Centrum Finansowe's EV-to-FCF or its related term are showing as below:
WAR:CFS'
s EV-to-FCF Range Over the Past 10 Years
Min: 0.5 Med: 3.34 Max: 11.26
Current: 5.64
During the past 13 years, the highest EV-to-FCF of Centrum Finansowe was 11.26. The lowest was 0.50. And the median was 3.34.
WAR:CFS's EV-to-FCF is ranked better than 72.45% of 265
companies
in the Credit Services industry
Industry Median: 13.24
vs WAR:CFS: 5.64
EV-to-FCF 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-FCF 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 zł4.66.
Centrum Finansowe's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was zł0.790.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Centrum Finansowe EV-to-FCF Related Terms
Centrum Finansowe EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Centrum Finansowe's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's EV-to-FCF falls into.
Centrum Finansowe's current Enterprise Value is zł42.71 Mil.
Centrum Finansowe's Free Cash Flow for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was zł7.57 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-FCF of 5.64 as of Jul. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Centrum Finansowe and its competitors. This is 69% above median its historical median of 3.34. Over the past decade, Centrum Finansowe's EV-to-FCF has ranged from 0.50 to 11.26. According to the industry distribution chart, Centrum Finansowe ranks #73 out of 265 companies in the Credit Services industry, placing it in the top 27.5%.
Is Centrum Finansowe's EV-to-FCF too high?
Centrum Finansowe's current EV-to-FCF of 5.64 is 69% above median its 10-year median of 3.34. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 11.26. The Credit Services industry median EV-to-FCF is 13.24. Centrum Finansowe's value of 5.64 is 57.4% below this industry median. Based on the distribution chart, Centrum Finansowe ranks #73 out of 265 companies in the Credit Services industry, which is above the industry midpoint. Overall, Centrum Finansowe has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #73 out of 265 companies for EV-to-FCF. This puts Centrum Finansowe in the upper half of its industry. The industry median EV-to-FCF is 13.24. Centrum Finansowe's value of 5.64 is 57.4% below this benchmark. Historically, Centrum Finansowe's own EV-to-FCF has ranged from 0.50 to 11.26 over the past decade. While the company's 10-year median is 3.34 vs. the industry median of 13.24, 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-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.24, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current EV-to-FCF of 5.64 is 57.4% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current EV-to-FCF is 5.64, which is 69% above median its own 10-year median of 3.34. 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 zł5.19, compared to a current price of zł4.66 — trading 10.2% below its estimated fair value. The current EV-to-FCF is 5.64, which is 69% above median its 10-year median of 3.34 and 57.4% below the Credit Services industry median of 13.24. Centrum Finansowe's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current EV-to-FCF is 5.64 as of Jul. 13, 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 undervalued.
The current stock price of zł4.66 is trading 10.2% below its estimated GF Value™ of zł5.19.
GuruFocus considers Centrum Finansowe to be Modestly Undervalued.
Key valuation signals for WAR:CFS:
EV-to-FCF: 5.64 (69% above median its 10-year median of 3.34)
GF Value™: zł5.19 vs. price of zł4.66 (10.2% below fair value)
Industry Position: 57.4% below the Credit Services median (#73 of 265)
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.
70GF Score
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