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ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. Centrum Finansowe's annualized return on capital (ROC %) for the quarter that ended in Dec. 2025 was 12.67%.
As of today (2026-08-10), Centrum Finansowe's WACC % is 4.21%. Centrum Finansowe's ROC % is 8.94% (calculated using TTM income statement data).
Centrum Finansowe generates higher returns on investment than it costs the company to raise the capital needed for that investment. It is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases.
ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.
There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.
Why is ROC % important?
Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, Centrum Finansowe's WACC % is 4.21%. Centrum Finansowe's ROC % is 8.94% (calculated using TTM income statement data).
Centrum Finansowe generates higher returns on investment than it costs the company to raise the capital needed for that investment. It is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases.
Be Aware
Like ROE % and ROA %, ROC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Centrum Finansowe ROC % Related Terms
Centrum Finansowe ROC % Historical Data
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The historical data trend for Centrum Finansowe's ROC % 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.
Note:
The Operating Income data used here is four times the quarterly (Dec. 2025) data.
The tax rate is limited to between 0% and 100%.
* 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 ROC % of 12.67% as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Centrum Finansowe and its competitors.
Is Centrum Finansowe's ROC % too high?
Centrum Finansowe's current ROC % is 12.67%. The Credit Services industry median ROC % is 2.17. Centrum Finansowe's value of 12.67% is 483.9% above this industry median. Overall, Centrum Finansowe has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's ROC % compare to V and MA?
Centrum Finansowe's ROC % of 12.67% can be compared against companies in the Credit Services industry. The industry median ROC % is 2.17. Centrum Finansowe's value of 12.67% is 483.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 2.17, based on 421 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current ROC % of 12.67% is 483.9% 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median ROC % is 2.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current ROC % is 12.67%. 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 zł4.38, compared to a current price of zł4.74 — trading 8.2% above its estimated fair value. The current ROC % is 12.67% and 483.9% above the Credit Services industry median of 2.17. Centrum Finansowe's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current ROC % is 12.67% as of Dec. 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 overvalued.
The current stock price of zł4.74 is trading 8.2% above its estimated GF Value™ of zł4.38.
GuruFocus considers Centrum Finansowe to be Fairly Valued.
Key valuation signals for WAR:CFS:
ROC %: 12.67%
GF Value™: zł4.38 vs. price of zł4.74 (8.2% above fair value)
Industry Position: 483.9% above the Credit Services median
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.
73GF Score
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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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