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Centrum FinansoweWAR:CFS 73 Gross Margin % is 66.47% as of Dec. 2025, which is 12% above its 10-year median of 59.42. 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 391 Credit Services companies, Centrum Finansowe ranks better than 53.96% on this metric.
Centrum Finansowe (WAR:CFS) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Centrum Finansowe had a gross margin of 66.47% for the quarter that ended in Dec. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Centrum Finansowe Gross Margin % Related Terms
Centrum Finansowe Gross Margin % Historical Data
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The historical data trend for Centrum Finansowe's Gross Margin % 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 Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Centrum Finansowe (WAR:CFS) has a Gross Margin % of 66.47% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Centrum Finansowe and its competitors. This is 12% above median its historical median of 59.42. Over the past decade, Centrum Finansowe's Gross Margin % has ranged from 54.48 to 64.35. According to the industry distribution chart, Centrum Finansowe ranks #180 out of 391 companies in the Credit Services industry, placing it in the top 46%.
Is Centrum Finansowe's Gross Margin % too high?
Centrum Finansowe's current Gross Margin % of 66.47% is 12% above median its 10-year median of 59.42. Over the past 10 years, this metric has ranged from a low of 54.48 to a high of 64.35. The Credit Services industry median Gross Margin % is 51.69. Centrum Finansowe's value of 66.47% is 28.6% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #180 out of 391 companies in the Credit Services industry, which is above 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #180 out of 391 companies for Gross Margin %. This puts Centrum Finansowe in the upper half of its industry. The industry median Gross Margin % is 51.69. Centrum Finansowe's value of 66.47% is 28.6% above this benchmark. Historically, Centrum Finansowe's own Gross Margin % has ranged from 54.48 to 64.35 over the past decade. While the company's 10-year median is 59.42 vs. the industry median of 51.69, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.69, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current Gross Margin % of 66.47% is 28.6% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median Gross Margin % is 51.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current Gross Margin % is 66.47%, which is 12% above median its own 10-year median of 59.42. 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 Gross Margin % is 66.47%, which is 12% above median its 10-year median of 59.42 and 28.6% above the Credit Services industry median of 51.69. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Gross Margin % is 66.47% 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 zł4.74 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:
Gross Margin %: 66.47% (12% above median its 10-year median of 59.42)
GF Value™: zł4.38 vs. price of zł4.74 (8.2% above fair value)
Industry Position: 28.6% above the Credit Services median (#180 of 391)
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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