Centrum Finansowe (WAR:CFS) Operating Income: zł5.39 Mil (TTM As of Sep. 2025)


WAR:CFS Centrum Finansowe SA WAR:CFS
69 GF Score
Price zł4.64
GF Value zł5.18
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Centrum Finansowe Operating Income?

Centrum Finansowe WAR:CFS 69 Operating Income is zł5.39 Mil as of Sep. 2025. GuruFocus rates WAR:CFS with a GF Score™ of 69/100 and a GF Value™ of zł5.18 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Centrum Finansowe's Operating Income for the three months ended in Sep. 2025 was zł2.01 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Sep. 2025 was zł5.39 Mil.

Operating Margin % is calculated as Operating Income divided by its Revenue. Centrum Finansowe's Operating Income for the three months ended in Sep. 2025 was zł2.01 Mil. Centrum Finansowe's Revenue for the three months ended in Sep. 2025 was zł4.74 Mil. Therefore, Centrum Finansowe's Operating Margin % for the quarter that ended in Sep. 2025 was 42.38%.

Centrum Finansowe's 5-Year average Growth Rate for Operating Margin % was 0.00% per year.

Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Centrum Finansowe's annualized ROC % for the quarter that ended in Sep. 2025 was 7.52%. Centrum Finansowe's annualized ROC (Joel Greenblatt) % for the quarter that ended in Sep. 2025 was 51,845.16%.

Centrum Finansowe  (WAR:CFS) Operating Income Explanation

1. Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Centrum Finansowe's annualized ROC % for the quarter that ended in Sep. 2025 is calculated as:

ROC % (Q: Sep. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Sep. 2025 ))/ count )
=8.036 * ( 1 - 20.27% )/( (84.758 + 85.727)/ 2 )
=6.4071028/85.2425
=7.52 %

where

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=91.213 - 0.352 - ( 16.878 - max(0, 11.511 - 17.614+16.878))
=84.758

Invested Capital(Q: Sep. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=93.425 - 0.6 - ( 16.596 - max(0, 10.433 - 17.531+16.596))
=85.727

Note: The Operating Income data used here is four times the quarterly (Sep. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Centrum Finansowe's annualized ROC (Joel Greenblatt) % for the quarter that ended in Sep. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Sep. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jun. 2025  Q: Sep. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=8.036/( ( (0.016 + max(-1.343, 0)) + (0.015 + max(-1.738, 0)) )/ 2 )
=8.036/( ( 0.016 + 0.015 )/ 2 )
=8.036/0.0155
=51,845.16 %

where Working Capital is:

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.245 + 0 + 0.305) - (0.352 + 0 + 1.541)
=-1.343

Working Capital(Q: Sep. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.458 + 0 + 0.295) - (0.6 + 0 + 1.891)
=-1.738

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Sep. 2025) EBIT data.

3. Operating Income is also linked to Operating Margin %:

Centrum Finansowe's Operating Margin % for the quarter that ended in Sep. 2025 is calculated as:

Operating Margin %=Operating Income (Q: Sep. 2025 )/Revenue (Q: Sep. 2025 )
=2.009/4.741
=42.38 %

* 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.

4. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Operating Income growth rate using Operating Income per share data.

Be Aware

Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.

Centrum Finansowe Operating Income Related Terms

Centrum Finansowe Operating Income Historical Data

* Premium members only.

The historical data trend for Centrum Finansowe's Operating Income 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.

Centrum Finansowe Operating Income Chart

Centrum Finansowe Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Operating Income
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
Operating Income 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 1.73 0.00 0.98 2.40 2.01
WAR:CFS
69GF Score
Centrum Finansowe SA WAR:CFS
Operating Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Centrum Finansowe Operating Income Calculation

Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.

Operating Income for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was zł5.39 Mil.

* 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.

Frequently Asked Questions Learn more about Operating Income →
What does a Operating Income of zł5.39 Mil mean?
Centrum Finansowe (WAR:CFS) has a Operating Income of zł5.39 Mil as of Sep. 2025. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on Centrum Finansowe and its competitors.
Is Centrum Finansowe's Operating Income too high?
Centrum Finansowe's current Operating Income is zł5.39 Mil. Overall, Centrum Finansowe has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's Operating Income compare to V and MA?
Centrum Finansowe's Operating Income of zł5.39 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Income for a Credit Services company?
A good Operating Income depends on the Credit Services industry context. However, Operating Income 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 Operating Income mean?
A high Operating Income can signal that a stock is expensive relative to its fundamentals. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on Centrum Finansowe and its competitors. Centrum Finansowe's current Operating Income is zł5.39 Mil. 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 zł5.18, compared to a current price of zł4.64 — trading 10.4% below its estimated fair value. The current Operating Income is zł5.39 Mil. Centrum Finansowe's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Income calculated?
Operating Income is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Operating Income is zł5.39 Mil 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 zł4.64 is trading 10.4% below its estimated GF Value™ of zł5.18. GuruFocus considers Centrum Finansowe to be Modestly Undervalued.

Key valuation signals for WAR:CFS:

  • Operating Income: zł5.39 Mil
  • GF Value™: zł5.18 vs. price of zł4.64 (10.4% below fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for WAR:CFS

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

zł4.64
Price
zł5.18
GF Value