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Centrum FinansoweWAR:CFS 73 Interest Coverage is 17.10 as of Dec. 2025, which is 66% above its 10-year median of 10.32. 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 163 Credit Services companies, Centrum Finansowe ranks worse than 66.26% on this metric.
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 Dec. 2025 was zł4.46 Mil. Centrum Finansowe's Interest Expense for the
three
months ended in Dec. 2025 was zł-0.26 Mil.
Centrum Finansowe's interest coverage for the quarter that ended in Dec. 2025 was 17.10.
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: 10.15 Med: 10.32 Max: 10.48
Current: 10.47
WAR:CFS's Interest Coverage is ranked worse than 66.26% of 163
companies
in the Credit Services industry
Industry Median: 53.06
vs WAR:CFS: 10.47
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.
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.
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:
* 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 Interest Coverage of 17.10 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Centrum Finansowe and its competitors. This is 66% above median its historical median of 10.32. Over the past decade, Centrum Finansowe's Interest Coverage has ranged from 10.15 to 10.48. According to the industry distribution chart, Centrum Finansowe ranks #108 out of 163 companies in the Credit Services industry, placing it in the top 66.3%.
Is Centrum Finansowe's Interest Coverage too high?
Centrum Finansowe's current Interest Coverage of 17.10 is 66% above median its 10-year median of 10.32. Over the past 10 years, this metric has ranged from a low of 10.15 to a high of 10.48. The Credit Services industry median Interest Coverage is 53.06. Centrum Finansowe's value of 17.10 is 67.8% below this industry median. Based on the distribution chart, Centrum Finansowe ranks #108 out of 163 companies in the Credit Services industry, which is below 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #108 out of 163 companies for Interest Coverage. This places Centrum Finansowe in the lower half of its industry. The industry median Interest Coverage is 53.06. Centrum Finansowe's value of 17.10 is 67.8% below this benchmark. Historically, Centrum Finansowe's own Interest Coverage has ranged from 10.15 to 10.48 over the past decade. While the company's 10-year median is 10.32 vs. the industry median of 53.06, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 53.06, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current Interest Coverage of 17.10 is 67.8% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median Interest Coverage is 53.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current Interest Coverage is 17.10, which is 66% above median its own 10-year median of 10.32. 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 Interest Coverage is 17.10, which is 66% above median its 10-year median of 10.32 and 67.8% below the Credit Services industry median of 53.06. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Interest Coverage is 17.10 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:
Interest Coverage: 17.10 (66% above median its 10-year median of 10.32)
GF Value™: zł4.38 vs. price of zł4.74 (8.2% above fair value)
Industry Position: 67.8% below the Credit Services median (#108 of 163)
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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Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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