Centrum FinansoweWAR:CFS 69 ROC (Joel Greenblatt) % is 51,845.16% as of Sep. 2025, which is 110% above its 10-year median of 24,630.36. 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 413 Credit Services companies, Centrum Finansowe ranks better than 99.52% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Centrum Finansowe's annualized ROC (Joel Greenblatt) % for the quarter that ended in Sep. 2025 was 51,845.16%.
The historical rank and industry rank for Centrum Finansowe's ROC (Joel Greenblatt) % or its related term are showing as below:
WAR:CFS'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 338.6 Med: 24630.36 Max: 166985.71
Current: 80264.71
During the past 13 years, Centrum Finansowe's highest ROC (Joel Greenblatt) % was 166985.71%. The lowest was 338.60%. And the median was 24630.36%.
WAR:CFS's ROC (Joel Greenblatt) % is ranked better than 99.52% of 413
companies
in the Credit Services industry
Industry Median: 38.19
vs WAR:CFS: 80264.71
Centrum Finansowe's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 53.50% per year.
Centrum Finansowe (WAR:CFS) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
Centrum Finansowe ROC (Joel Greenblatt) % Related Terms
Centrum Finansowe ROC (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Centrum Finansowe's ROC (Joel Greenblatt) % 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: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Centrum Finansowe's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's ROC (Joel Greenblatt) % falls into.
Centrum Finansowe ROC (Joel Greenblatt) % Calculation
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Sep. 2025) EBIT data.
* 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.
What does a ROC (Joel Greenblatt) % of 51,845.16% mean?
Centrum Finansowe (WAR:CFS) has a ROC (Joel Greenblatt) % of 51,845.16% as of Sep. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Centrum Finansowe and its competitors. This is 110% above median its historical median of 24,630.36. Over the past decade, Centrum Finansowe's ROC (Joel Greenblatt) % has ranged from 338.60 to 166,985.71. According to the industry distribution chart, Centrum Finansowe ranks #2 out of 413 companies in the Credit Services industry, placing it in the top 0.5%.
Is Centrum Finansowe's ROC (Joel Greenblatt) % too high?
Centrum Finansowe's current ROC (Joel Greenblatt) % of 51,845.16% is 110% above median its 10-year median of 24,630.36. Over the past 10 years, this metric has ranged from a low of 338.60 to a high of 166,985.71. The Credit Services industry median ROC (Joel Greenblatt) % is 38.19. Centrum Finansowe's value of 51,845.16% is 135655.9% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #2 out of 413 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #2 out of 413 companies for ROC (Joel Greenblatt) %. This places Centrum Finansowe in the top 1% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 38.19. Centrum Finansowe's value of 51,845.16% is 135655.9% above this benchmark. Historically, Centrum Finansowe's own ROC (Joel Greenblatt) % has ranged from 338.60 to 166,985.71 over the past decade. While the company's 10-year median is 24,630.36 vs. the industry median of 38.19, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.19, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current ROC (Joel Greenblatt) % of 51,845.16% is 135655.9% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current ROC (Joel Greenblatt) % is 51,845.16%, which is 110% above median its own 10-year median of 24,630.36. 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 ROC (Joel Greenblatt) % is 51,845.16%, which is 110% above median its 10-year median of 24,630.36 and 135655.9% above the Credit Services industry median of 38.19. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current ROC (Joel Greenblatt) % is 51,845.16% 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:
ROC (Joel Greenblatt) %: 51,845.16% (110% above median its 10-year median of 24,630.36)
GF Value™: zł5.18 vs. price of zł4.64 (10.4% below fair value)
Industry Position: 135655.9% above the Credit Services median (#2 of 413)
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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