Centrum Finansowe (WAR:CFS) 3-Year RORE % : 8.05% (As of Sep. 2025)


WAR:CFS Centrum Finansowe SA WAR:CFS
69 GF Score
Price zł4.70
GF Value zł5.17
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Centrum Finansowe 3-Year RORE %?

Centrum Finansowe WAR:CFS 69 3-Year RORE % is 8.05 as of Sep. 2025. GuruFocus rates WAR:CFS with a GF Score™ of 69/100 and a GF Value™ of zł5.17 (Fairly Valued). The stock has 4 warning signs investors should review. Among 518 Credit Services companies, Centrum Finansowe ranks worse than 50.77% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Centrum Finansowe's 3-Year RORE % for the quarter that ended in Sep. 2025 was 8.05%.

The industry rank for Centrum Finansowe's 3-Year RORE % or its related term are showing as below:

WAR:CFS's 3-Year RORE % is ranked worse than
50.77% of 518 companies
in the Credit Services industry
Industry Median: 8.58 vs WAR:CFS: 8.05

Centrum Finansowe  (WAR:CFS) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Centrum Finansowe 3-Year RORE % Related Terms


Centrum Finansowe 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Centrum Finansowe's 3-Year RORE % 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.

Centrum Finansowe 3-Year RORE % Chart

Centrum Finansowe Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.56 5.07 21.71 24.01 3.15

Centrum Finansowe Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.31 3.15 -1.53 -16.71 8.05

WAR:CFS vs V, MA, AXP: 3-Year RORE % Comparison

For the Credit Services subindustry, Centrum Finansowe's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Centrum Finansowe's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Centrum Finansowe's 3-Year RORE % falls into.


WAR:CFS
69GF Score
Centrum Finansowe SA WAR:CFS
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Centrum Finansowe 3-Year RORE % Calculation

Centrum Finansowe's 3-Year RORE % for the quarter that ended in Sep. 2025 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 0.79-0.716 )/( 2.459-1.54 )
=0.074/0.919
=8.05 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Sep. 2025 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 8.05 mean?
Centrum Finansowe (WAR:CFS) has a 3-Year RORE % of 8.05 as of Sep. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Centrum Finansowe and its competitors. According to the industry distribution chart, Centrum Finansowe ranks #263 out of 518 companies in the Credit Services industry, placing it in the top 50.8%.
Is Centrum Finansowe's 3-Year RORE % too high?
Centrum Finansowe's current 3-Year RORE % is 8.05. The Credit Services industry median 3-Year RORE % is 8.58. Centrum Finansowe's value of 8.05 is 6.2% below this industry median. Based on the distribution chart, Centrum Finansowe ranks #263 out of 518 companies in the Credit Services industry, which is below the industry midpoint. Overall, Centrum Finansowe has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #263 out of 518 companies for 3-Year RORE %. This places Centrum Finansowe in the lower half of its industry. The industry median 3-Year RORE % is 8.58. Centrum Finansowe's value of 8.05 is 6.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.58, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current 3-Year RORE % of 8.05 is 6.2% below 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current 3-Year RORE % is 8.05. 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 3-Year RORE % is 8.05 and 6.2% below the Credit Services industry median of 8.58. 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 RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current 3-Year RORE % is 8.05 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:

  • 3-Year RORE %: 8.05
  • GF Value™: zł5.17 vs. price of zł4.70 (9.1% below fair value)
  • GF Score™: 69/100 with 4 warning signs
  • Industry Position: 6.2% below the Credit Services median (#263 of 518)

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 Business Description

Address ulica Grzybowska 87, Warsaw, POL, 00-844
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 RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł4.70
Price
zł5.17
GF Value