Centrum FinansoweWAR:CFS 71 Return-on-Tangible-Equity is 9.80% as of Sep. 2025, which is 43% below its 10-year median of 17.23. GuruFocus rates WAR:CFS with a GF Score™ of 71/100 and a GF Value™ of zł5.17 (Fairly Valued). The stock has 4 warning signs investors should review. Among 525 Credit Services companies, Centrum Finansowe ranks better than 66.1% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Centrum Finansowe's annualized net income for the quarter that ended in Sep. 2025 was zł6.62 Mil. Centrum Finansowe's average shareholder tangible equity for the quarter that ended in Sep. 2025 was zł67.58 Mil. Therefore, Centrum Finansowe's annualized Return-on-Tangible-Equity for the quarter that ended in Sep. 2025 was 9.80%.
The historical rank and industry rank for Centrum Finansowe's Return-on-Tangible-Equity or its related term are showing as below:
WAR:CFS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -61.5 Med: 17.23 Max: 64.53
Current: 11.74
During the past 13 years, Centrum Finansowe's highest Return-on-Tangible-Equity was 64.53%. The lowest was -61.50%. And the median was 17.23%.
WAR:CFS's Return-on-Tangible-Equity is ranked better than 66.1% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs WAR:CFS: 11.74
Centrum Finansowe (WAR:CFS) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Centrum Finansowe Return-on-Tangible-Equity Related Terms
Centrum Finansowe Return-on-Tangible-Equity Historical Data
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The historical data trend for Centrum Finansowe's Return-on-Tangible-Equity 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-Equity Comparison
For the Credit Services subindustry, Centrum Finansowe's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.80% mean?
Centrum Finansowe (WAR:CFS) has a Return-on-Tangible-Equity of 9.80% as of Sep. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Centrum Finansowe and its competitors. This is 43% below median its historical median of 17.23. According to the industry distribution chart, Centrum Finansowe ranks #178 out of 525 companies in the Credit Services industry, placing it in the top 33.9%.
Is Centrum Finansowe's Return-on-Tangible-Equity too high?
Centrum Finansowe's current Return-on-Tangible-Equity of 9.80% is 43% below median its 10-year median of 17.23. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Centrum Finansowe's value of 9.80% is 39.8% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #178 out of 525 companies in the Credit Services industry, which is above the industry midpoint. Overall, Centrum Finansowe has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #178 out of 525 companies for Return-on-Tangible-Equity. This puts Centrum Finansowe in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.01. Centrum Finansowe's value of 9.80% is 39.8% above this benchmark. While the company's 10-year median is 17.23 vs. the industry median of 7.01, 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current Return-on-Tangible-Equity of 9.80% is 39.8% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current Return-on-Tangible-Equity is 9.80%, which is 43% below median its own 10-year median of 17.23. 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 zł4.70 — trading 9.1% below its estimated fair value. The current Return-on-Tangible-Equity is 9.80%, which is 43% below median its 10-year median of 17.23 and 39.8% above the Credit Services industry median of 7.01. Centrum Finansowe's overall GF Score™ is 71/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Return-on-Tangible-Equity is 9.80% 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 zł4.70 is trading 9.1% below its estimated GF Value™ of zł5.17.
GuruFocus considers Centrum Finansowe to be Fairly Valued.
Key valuation signals for WAR:CFS:
Return-on-Tangible-Equity: 9.80% (43% below median its 10-year median of 17.23)
GF Value™: zł5.17 vs. price of zł4.70 (9.1% below fair value)
Industry Position: 39.8% above the Credit Services median (#178 of 525)
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.
71GF Score
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