Centrum FinansoweWAR:CFS 70 Graham Number is zł11.01 as of Sep. 2025, which is 100% below its 10-year median of 0.47. 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 402 Credit Services companies, Centrum Finansowe ranks better than 85.82% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-07-12), the stock price of Centrum Finansowe is zł4.66. Centrum Finansowe's graham number for the quarter that ended in Sep. 2025 was zł11.01. Therefore, Centrum Finansowe's Price to Graham Number ratio for today is 0.42.
The historical rank and industry rank for Centrum Finansowe's Graham Number or its related term are showing as below:
WAR:CFS'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.25 Med: 0.47 Max: 3.17
Current: 0.42
During the past 13 years, the highest Price to Graham Number ratio of Centrum Finansowe was 3.17. The lowest was 0.25. And the median was 0.47.
WAR:CFS's Price-to-Graham-Number is ranked better than 85.82% of 402
companies
in the Credit Services industry
Industry Median: 0.82
vs WAR:CFS: 0.42
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Centrum Finansowe (WAR:CFS) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Centrum Finansowe's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Sep. 2025 )
=
4.66
/
11.01
=
0.42
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Centrum Finansowe Graham Number Related Terms
Centrum Finansowe Graham Number Historical Data
* Premium members only.
The historical data trend for Centrum Finansowe's Graham Number 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 Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's Price-to-Graham-Number 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.
Centrum Finansowe (WAR:CFS) has a Graham Number of zł11.01 as of Sep. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Centrum Finansowe and its competitors. This is 2243% above median its historical median of 0.47. Over the past decade, Centrum Finansowe's Graham Number has ranged from 0.25 to 3.17. According to the industry distribution chart, Centrum Finansowe ranks #57 out of 402 companies in the Credit Services industry, placing it in the top 14.2%.
Is Centrum Finansowe's Graham Number too high?
Centrum Finansowe's current Graham Number of zł11.01 is 2243% above median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 3.17. Based on the distribution chart, Centrum Finansowe ranks #57 out of 402 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 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's Graham Number compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #57 out of 402 companies for Graham Number. This places Centrum Finansowe in the top 14% of its industry — outperforming the majority of peers. The industry median Graham Number is 0.82. Historically, Centrum Finansowe's own Graham Number has ranged from 0.25 to 3.17 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 Graham Number for a Credit Services company?
The median Graham Number among Credit Services companies is 0.82, based on 402 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median Graham Number is 0.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current Graham Number is zł11.01, which is 2243% above median its own 10-year median of 0.47. 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 Graham Number is zł11.01, which is 2243% above median its 10-year median of 0.47. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Graham Number is zł11.01 as of Sep. 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 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:
Graham Number: zł11.01 (2243% above median its 10-year median of 0.47)
GF Value™: zł5.19 vs. price of zł4.66 (10.2% below 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.
70GF Score
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