Bank CenterCredit JSCXKAZ:CCBN -0.55%52 Piotroski F-Score is 6 as of Jul. 06, 2026, which is at its 10-year median of 6.00. GuruFocus rates XKAZ:CCBN with a GF Score™ of 52/100 and a GF Value™ of ₸3,320.35 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,501 Banks companies, Bank CenterCredit JSC ranks better than 60.23% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Bank CenterCredit JSC has an F-score of 6 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Bank CenterCredit JSC's Piotroski F-Score or its related term are showing as below:
XKAZ:CCBN'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 6 Max: 9
Current: 6
During the past 13 years, the highest Piotroski F-Score of Bank CenterCredit JSC was 9. The lowest was 2. And the median was 6.
Bank CenterCredit JSC (XKAZ:CCBN) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Bank CenterCredit JSC Piotroski F-Score Related Terms
Bank CenterCredit JSC Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Bank CenterCredit JSC's Piotroski F-Score 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.
XKAZ:CCBN vs PNC, USB: Piotroski F-Score Comparison
For the Banks - Regional subindustry, Bank CenterCredit JSC's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Bank CenterCredit JSC Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Bank CenterCredit JSC's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Bank CenterCredit JSC's Piotroski F-Score falls into.
* 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.
This Year (Mar26) TTM:
Last Year (Mar25) TTM:
Net Income was 64427 + 70712 + 50943 + 60871 = ₸246,953 Mil. Cash Flow from Operations was 187126 + 69794 + 712913 + -308368 = ₸661,465 Mil. Revenue was 150245 + 152569 + 168713 + 152470 = ₸623,997 Mil.
Average Total Assets from the begining of this year (Mar25)
to the end of this year (Mar26) was
(6907071 + 7278936 + 7891569 + 8520954 + 8166388) / 5 = ₸7752983.6 Mil. Total Assets at the begining of this year (Mar25) was ₸6,907,071 Mil. Long-Term Debt & Capital Lease Obligation was ₸338,555 Mil. Total Assets was ₸8,166,388 Mil. Total Liabilities was ₸7,262,748 Mil.
Net Income was 39772 + 58155 + 58027 + 81494 = ₸237,448 Mil.
Revenue was 119395 + 137065 + 165433 + 149269 = ₸571,162 Mil.
Average Total Assets from the begining of last year (Mar24)
to the end of last year (Mar25) was
(5568449 + 5843820 + 6069242 + 7067889 + 6907071) / 5 = ₸6291294.2 Mil. Total Assets at the begining of last year (Mar24) was ₸5,568,449 Mil. Long-Term Debt & Capital Lease Obligation was ₸380,019 Mil. Total Assets was ₸6,907,071 Mil. Total Liabilities was ₸6,215,525 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Bank CenterCredit JSC's current Net Income (TTM) was 246,953.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Bank CenterCredit JSC's current Cash Flow from Operations (TTM) was 661,465.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Bank CenterCredit JSC's return on assets of this year was 0.03575365. Bank CenterCredit JSC's return on assets of last year was 0.04264168.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Bank CenterCredit JSC's gearing of this year was 0.0436677. Bank CenterCredit JSC's gearing of last year was 0.06040395.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Bank CenterCredit JSC's current ratio of this year was 1.12442122. Bank CenterCredit JSC's current ratio of last year was 1.11126108.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Bank CenterCredit JSC's number of shares in issue this year was 174.75. Bank CenterCredit JSC's number of shares in issue last year was 186.633.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Bank CenterCredit JSC's net margin of this year was 0.39575992. Bank CenterCredit JSC's net margin of last year was 0.41572794.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Bank CenterCredit JSC's asset turnover of this year was 0.09034177. Bank CenterCredit JSC's asset turnover of last year was 0.10257111.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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6
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Bank CenterCredit JSC has an F-score of 6 indicating the company's financial situation is typical for a stable company.
Bank CenterCredit JSC (XKAZ:CCBN) has a Piotroski F-Score of 6 as of Jul. 06, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Bank CenterCredit JSC and its competitors. This is near median its historical median of 6.00. Over the past decade, Bank CenterCredit JSC's Piotroski F-Score has ranged from 2.00 to 9.00. According to the industry distribution chart, Bank CenterCredit JSC ranks #597 out of 1501 companies in the Banks industry, placing it in the top 39.8%.
Is Bank CenterCredit JSC's Piotroski F-Score too high?
Bank CenterCredit JSC's current Piotroski F-Score of 6 is near median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 9.00. The Banks industry median Piotroski F-Score is 6.00. Bank CenterCredit JSC's value of 6 is 0% at this industry median. Based on the distribution chart, Bank CenterCredit JSC ranks #597 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, Bank CenterCredit JSC has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank CenterCredit JSC's Piotroski F-Score compare to PNC and USB?
According to the Banks industry distribution chart, Bank CenterCredit JSC ranks #597 out of 1501 companies for Piotroski F-Score. This puts Bank CenterCredit JSC in the upper half of its industry. The industry median Piotroski F-Score is 6.00. Bank CenterCredit JSC's value of 6 is 0% at this benchmark. Historically, Bank CenterCredit JSC's own Piotroski F-Score has ranged from 2.00 to 9.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 6.00, Bank CenterCredit JSC has consistently been at 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank CenterCredit JSC's current Piotroski F-Score of 6 is 0% at 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Bank CenterCredit JSC and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank CenterCredit JSC's current Piotroski F-Score is 6, which is near median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank CenterCredit JSC stock overvalued right now?
Based on GuruFocus' analysis, Bank CenterCredit JSC (XKAZ:CCBN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₸3,320.35, compared to a current price of ₸4,567.00 — trading 37.5% above its estimated fair value. The current Piotroski F-Score is 6, which is near median its 10-year median of 6.00 and 0% at the Banks industry median of 6.00. Bank CenterCredit JSC's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Bank CenterCredit JSC (XKAZ:CCBN), the current Piotroski F-Score is 6 as of Jul. 06, 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 Bank CenterCredit JSC (XKAZ:CCBN) Overvalued in 2026?
Based on GuruFocus' analysis, Bank CenterCredit JSC stock appears to be overvalued.
The current stock price of ₸4,567.00 is trading 37.5% above its estimated GF Value™ of ₸3,320.35.
GuruFocus considers Bank CenterCredit JSC to be Significantly Overvalued.
Key valuation signals for XKAZ:CCBN:
Piotroski F-Score: 6 (near median its 10-year median of 6.00)
GF Value™: ₸3,320.35 vs. price of ₸4,567.00 (37.5% above fair value)
Industry Position: 0% at the Banks median (#597 of 1501)
No single metric tells the full story. See the XKAZ:CCBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank CenterCredit JSC is a Kazakhstan-based commercial bank. The bank offers direct debit facilities, current accounts, deposits, overdrafts, loans and other credit facilities, private customer current accounts, saving deposits, investment saving products, custody, credit and debit cards, structured financing, money market operations, foreign currency and derivative products, brokerage and asset management services, merger and acquisitions advice, and provision of funding through the issue of debt securities and attracting loans.
52GF Score
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