Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.
Centrum Finansowe's operating assets for the quarter that ended in Sep. 2025 was zł76.83 Mil. Centrum Finansowe's operating liabilities for the quarter that ended in Sep. 2025 was zł12.24 Mil. Centrum Finansowe's Total Assets for the quarter that ended in Jun. 2025 was zł91.21 Mil. Therefore, Centrum Finansowe's scaled net operating assets (SNOA) for the quarter that ended in Sep. 2025 was 0.71.
Centrum Finansowe Scaled Net Operating Assets Related Terms
Centrum Finansowe Scaled Net Operating Assets Historical Data
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The historical data trend for Centrum Finansowe's Scaled Net Operating Assets 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 Scaled Net Operating Assets Chart
WAR:CFS vs V, MA, AXP: Scaled Net Operating Assets Comparison
For the Credit Services subindustry, Centrum Finansowe's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's Scaled Net Operating Assets distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's Scaled Net Operating Assets 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.
What does a Scaled Net Operating Assets of 0.71 mean?
Centrum Finansowe (WAR:CFS) has a Scaled Net Operating Assets of 0.71 as of Sep. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Centrum Finansowe and its competitors.
Is Centrum Finansowe's Scaled Net Operating Assets too high?
Centrum Finansowe's current Scaled Net Operating Assets is 0.71. Overall, Centrum Finansowe has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Centrum Finansowe's Scaled Net Operating Assets compare to V and MA?
Centrum Finansowe's Scaled Net Operating Assets of 0.71 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Centrum Finansowe and its competitors. Centrum Finansowe's current Scaled Net Operating Assets is 0.71. 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 zł4.74 — trading 8.3% below its estimated fair value. The current Scaled Net Operating Assets is 0.71. Centrum Finansowe's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current Scaled Net Operating Assets is 0.71 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 zł4.74 is trading 8.3% below its estimated GF Value™ of zł5.17.
GuruFocus considers Centrum Finansowe to be Fairly Valued.
Key valuation signals for WAR:CFS:
Scaled Net Operating Assets: 0.71
GF Value™: zł5.17 vs. price of zł4.74 (8.3% 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.
70GF Score
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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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