Centrum Finansowe (WAR:CFS) Interest Coverage: N/A (As of Sep. 2025)


WAR:CFS Centrum Finansowe SA WAR:CFS
70 GF Score
Price zł4.74
GF Value zł5.17
Valuation Fairly Valued
! 4 Warning Signs
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What is Centrum Finansowe Interest Coverage?

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income by its Interest Expense. Centrum Finansowe's Operating Income for the three months ended in Sep. 2025 was zł2.01 Mil. Centrum Finansowe's Interest Expense for the three months ended in Sep. 2025 was zł0.00 Mil. GuruFocus does not calculate 's interest coverage with the available data. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for Centrum Finansowe's Interest Coverage or its related term are showing as below:

WAR:CFS' s Interest Coverage Range Over the Past 10 Years
Min: 0   Med: 0   Max: 4.55
Current: 4.55


WAR:CFS's Interest Coverage is ranked worse than
76.07% of 163 companies
in the Credit Services industry
Industry Median: 47.86 vs WAR:CFS: 4.55

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


Centrum Finansowe  (WAR:CFS) Interest Coverage Explanation

Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.

Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .


Centrum Finansowe Interest Coverage Related Terms


Centrum Finansowe Interest Coverage Historical Data

* Premium members only.

The historical data trend for Centrum Finansowe's Interest Coverage 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.

Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

Centrum Finansowe Interest Coverage Chart

Centrum Finansowe Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Centrum Finansowe Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.25 0.00 40.79 24.48 N/A

WAR:CFS vs V, MA, AXP: Interest Coverage Comparison

For the Credit Services subindustry, Centrum Finansowe's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Centrum Finansowe's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Centrum Finansowe's Interest Coverage falls into.


WAR:CFS
70GF Score
Centrum Finansowe SA WAR:CFS
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Centrum Finansowe Interest Coverage Calculation

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Centrum Finansowe's Interest Coverage for the fiscal year that ended in Dec. 2024 is calculated as

Here, for the fiscal year that ended in Dec. 2024, Centrum Finansowe's Interest Expense was zł-1.67 Mil. Its Operating Income was zł0.00 Mil. And its Long-Term Debt & Capital Lease Obligation was zł0.00 Mil.

Centrum Finansowe's Interest Coverage for the quarter that ended in Sep. 2025 is calculated as

Here, for the three months ended in Sep. 2025, Centrum Finansowe's Interest Expense was zł0.00 Mil. Its Operating Income was zł2.01 Mil. And its Long-Term Debt & Capital Lease Obligation was zł4.20 Mil.

GuruFocus does not calculate Centrum Finansowe's interest coverage with the available data.

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Is Centrum Finansowe (WAR:CFS) Overvalued in 2026?

Based on GuruFocus' analysis, Centrum Finansowe stock appears to be undervalued. The current stock price of zł4.74 is trading 8.3% below its estimated GF Value™ of zł5.17. GuruFocus considers Centrum Finansowe to be Fairly Valued.

Key valuation signals for WAR:CFS:

  • Interest Coverage: N/A
  • GF Value™: zł5.17 vs. price of zł4.74 (8.3% below fair value)
  • GF Score™: 70/100 with 4 warning signs

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 Business Description

Address ulica Grzybowska 87, Warsaw, POL, 00-844
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

Get the complete analysis for WAR:CFS

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł4.74
Price
zł5.17
GF Value