Centrum FinansoweWAR:CFS 69 3-Year ROIIC % is 0.00 as of Dec. 2024. 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 393 Credit Services companies, Centrum Finansowe ranks worse than 254452.67% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Centrum Finansowe's 3-Year ROIIC % for the quarter that ended in Dec. 2024 was 0.00%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Centrum Finansowe's 3-Year ROIIC % or its related term are showing as below:
WAR:CFS's 3-Year ROIIC % is not ranked *
in the Credit Services industry.
Industry Median: 2.85 * Ranked among companies with meaningful 3-Year ROIIC % only.
Centrum Finansowe (WAR:CFS) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Centrum Finansowe 3-Year ROIIC % Related Terms
Centrum Finansowe 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Centrum Finansowe's 3-Year ROIIC % 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.
For the Credit Services subindustry, Centrum Finansowe's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's 3-Year ROIIC % falls into.
Centrum Finansowe's 3-Year ROIIC % for the quarter that ended in Dec. 2024 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 0 (Dec. 2024) - 0 (Dec. 2021) )
/
( 84.977 (Dec. 2024) - 50.06 (Dec. 2021) )
=
/
34.917
=
0.00%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Centrum Finansowe (WAR:CFS) has a 3-Year ROIIC % of 0.00 as of Dec. 2024. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Centrum Finansowe and its competitors. According to the industry distribution chart, Centrum Finansowe ranks #999999 out of 393 companies in the Credit Services industry.
Is Centrum Finansowe's 3-Year ROIIC % too high?
Centrum Finansowe's current 3-Year ROIIC % is 0.00. Based on the distribution chart, Centrum Finansowe ranks #999999 out of 393 companies in the Credit Services industry, which is in the bottom quartile 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 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #999999 out of 393 companies for 3-Year ROIIC %. This places Centrum Finansowe in the lower half of its industry. The industry median 3-Year ROIIC % is 2.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.85, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current 3-Year ROIIC % is 0.00. 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 3-Year ROIIC % is 0.00. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current 3-Year ROIIC % is 0.00 as of Dec. 2024. 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:
3-Year ROIIC %: 0.00
GF Value™: zł5.18 vs. price of zł4.64 (10.4% below fair value)
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
Get the complete analysis for WAR:CFS
3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WAR:CFS has been successfully added to your 
