Centrum FinansoweWAR:CFS 69 Return-on-Tangible-Asset is 7.18% as of Sep. 2025, which is 40% below its 10-year median of 11.96. 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. Among 544 Credit Services companies, Centrum Finansowe ranks better than 90.99% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Centrum Finansowe's annualizedNet Income for the quarter that ended in Sep. 2025 was zł6.62 Mil. Centrum Finansowe's average total tangible assets for the quarter that ended in Sep. 2025 was zł92.32 Mil. Therefore, Centrum Finansowe's annualized Return-on-Tangible-Asset for the quarter that ended in Sep. 2025 was 7.18%.
The historical rank and industry rank for Centrum Finansowe's Return-on-Tangible-Asset or its related term are showing as below:
WAR:CFS'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -21.16 Med: 11.96 Max: 27.57
Current: 8.48
During the past 13 years, Centrum Finansowe's highest Return-on-Tangible-Asset was 27.57%. The lowest was -21.16%. And the median was 11.96%.
WAR:CFS's Return-on-Tangible-Asset is ranked better than 90.99% of 544
companies
in the Credit Services industry
Industry Median: 1.93
vs WAR:CFS: 8.48
Centrum Finansowe (WAR:CFS) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Centrum Finansowe Return-on-Tangible-Asset Related Terms
Centrum Finansowe Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Centrum Finansowe's Return-on-Tangible-Asset 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.
WAR:CFS vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Centrum Finansowe's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Sep. 2025) net income data.
What does a Return-on-Tangible-Asset of 7.18% mean?
Centrum Finansowe (WAR:CFS) has a Return-on-Tangible-Asset of 7.18% as of Sep. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Centrum Finansowe and its competitors. This is 40% below median its historical median of 11.96. According to the industry distribution chart, Centrum Finansowe ranks #49 out of 544 companies in the Credit Services industry, placing it in the top 9%.
Is Centrum Finansowe's Return-on-Tangible-Asset too high?
Centrum Finansowe's current Return-on-Tangible-Asset of 7.18% is 40% below median its 10-year median of 11.96. The Credit Services industry median Return-on-Tangible-Asset is 1.93. Centrum Finansowe's value of 7.18% is 272% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #49 out of 544 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #49 out of 544 companies for Return-on-Tangible-Asset. This places Centrum Finansowe in the top 9% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.93. Centrum Finansowe's value of 7.18% is 272% above this benchmark. While the company's 10-year median is 11.96 vs. the industry median of 1.93, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 544 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current Return-on-Tangible-Asset of 7.18% is 272% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current Return-on-Tangible-Asset is 7.18%, which is 40% below median its own 10-year median of 11.96. 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 Return-on-Tangible-Asset is 7.18%, which is 40% below median its 10-year median of 11.96 and 272% above the Credit Services industry median of 1.93. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Return-on-Tangible-Asset is 7.18% 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:
Return-on-Tangible-Asset: 7.18% (40% below median its 10-year median of 11.96)
GF Value™: zł5.18 vs. price of zł4.64 (10.4% below fair value)
Industry Position: 272% above the Credit Services median (#49 of 544)
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.
69GF Score
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