Centrum FinansoweWAR:CFS -0.42%70 OCF Margin % is 46.32% as of Sep. 2025, which is 27% below its 10-year median of 63.61. GuruFocus rates WAR:CFS with a GF Score™ of 70/100 and a GF Value™ of zł5.17 (Fairly Valued). The stock has 4 warning signs investors should review. Among 531 Credit Services companies, Centrum Finansowe ranks better than 68.74% on this metric.
The historical rank and industry rank for Centrum Finansowe's OCF Margin % or its related term are showing as below:
WAR:CFS'
s OCF Margin % Range Over the Past 10 Years
Min: -401.41 Med: 63.61 Max: 173.57
Current: 30.84
During the past 13 years, the highest OCF Margin % of Centrum Finansowe was 173.57%. The lowest was -401.41%. And the median was 63.61%.
WAR:CFS's OCF Margin % is ranked better than 68.74% of 531
companies
in the Credit Services industry
Industry Median: 2.55
vs WAR:CFS: 30.84
Centrum Finansowe OCF Margin % Related Terms
Centrum Finansowe OCF Margin % Historical Data
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The historical data trend for Centrum Finansowe's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's OCF 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.
Centrum Finansowe (WAR:CFS) has a OCF Margin % of 46.32% as of Sep. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Centrum Finansowe and its competitors. This is 27% below median its historical median of 63.61. According to the industry distribution chart, Centrum Finansowe ranks #166 out of 531 companies in the Credit Services industry, placing it in the top 31.3%.
Is Centrum Finansowe's OCF Margin % too high?
Centrum Finansowe's current OCF Margin % of 46.32% is 27% below median its 10-year median of 63.61. The Credit Services industry median OCF Margin % is 2.55. Centrum Finansowe's value of 46.32% is 1716.5% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #166 out of 531 companies in the Credit Services industry, which is above the industry midpoint. Overall, Centrum Finansowe has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #166 out of 531 companies for OCF Margin %. This puts Centrum Finansowe in the upper half of its industry. The industry median OCF Margin % is 2.55. Centrum Finansowe's value of 46.32% is 1716.5% above this benchmark. While the company's 10-year median is 63.61 vs. the industry median of 2.55, 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current OCF Margin % of 46.32% is 1716.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current OCF Margin % is 46.32%, which is 27% below median its own 10-year median of 63.61. 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 zł5.17, compared to a current price of zł4.74 — trading 8.3% below its estimated fair value. The current OCF Margin % is 46.32%, which is 27% below median its 10-year median of 63.61 and 1716.5% above the Credit Services industry median of 2.55. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current OCF Margin % is 46.32% 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 zł4.74 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:
OCF Margin %: 46.32% (27% below median its 10-year median of 63.61)
GF Value™: zł5.17 vs. price of zł4.74 (8.3% below fair value)
Industry Position: 1716.5% above the Credit Services median (#166 of 531)
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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