Centrum FinansoweWAR:CFS 69 5-Year Yield-on-Cost % is 7.33 as of Jul. 07, 2026, which is 28% below its 10-year median of 10.12. 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 211 Credit Services companies, Centrum Finansowe ranks better than 72.51% on this metric.
Centrum Finansowe's yield on cost for the quarter that ended in Sep. 2025 was 7.33.
The historical rank and industry rank for Centrum Finansowe's 5-Year Yield-on-Cost % or its related term are showing as below:
WAR:CFS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.69 Med: 10.12 Max: 15.48
Current: 7.33
During the past 13 years, Centrum Finansowe's highest Yield on Cost was 15.48. The lowest was 1.69. And the median was 10.12.
WAR:CFS's 5-Year Yield-on-Cost % is ranked better than 72.51% of 211
companies
in the Credit Services industry
Industry Median: 4.55
vs WAR:CFS: 7.33
Centrum Finansowe (WAR:CFS) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Centrum Finansowe 5-Year Yield-on-Cost % Related Terms
WAR:CFS vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Centrum Finansowe's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Centrum Finansowe's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Centrum Finansowe's 5-Year Yield-on-Cost % falls into.
Centrum Finansowe 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Centrum Finansowe (WAR:CFS) has a 5-Year Yield-on-Cost % of 7.33 as of Jul. 07, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Centrum Finansowe and its competitors. This is 28% below median its historical median of 10.12. Over the past decade, Centrum Finansowe's 5-Year Yield-on-Cost % has ranged from 1.69 to 15.48. According to the industry distribution chart, Centrum Finansowe ranks #58 out of 211 companies in the Credit Services industry, placing it in the top 27.5%.
Is Centrum Finansowe's 5-Year Yield-on-Cost % too high?
Centrum Finansowe's current 5-Year Yield-on-Cost % of 7.33 is 28% below median its 10-year median of 10.12. Over the past 10 years, this metric has ranged from a low of 1.69 to a high of 15.48. The Credit Services industry median 5-Year Yield-on-Cost % is 4.55. Centrum Finansowe's value of 7.33 is 61.1% above this industry median. Based on the distribution chart, Centrum Finansowe ranks #58 out of 211 companies in the Credit Services industry, which is above the industry midpoint. 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 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Centrum Finansowe ranks #58 out of 211 companies for 5-Year Yield-on-Cost %. This puts Centrum Finansowe in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.55. Centrum Finansowe's value of 7.33 is 61.1% above this benchmark. Historically, Centrum Finansowe's own 5-Year Yield-on-Cost % has ranged from 1.69 to 15.48 over the past decade. While the company's 10-year median is 10.12 vs. the industry median of 4.55, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.55, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Centrum Finansowe's current 5-Year Yield-on-Cost % of 7.33 is 61.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Centrum Finansowe and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Centrum Finansowe's current 5-Year Yield-on-Cost % is 7.33, which is 28% below median its own 10-year median of 10.12. 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 5-Year Yield-on-Cost % is 7.33, which is 28% below median its 10-year median of 10.12 and 61.1% above the Credit Services industry median of 4.55. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Centrum Finansowe (WAR:CFS), the current 5-Year Yield-on-Cost % is 7.33 as of Jul. 07, 2026. 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:
5-Year Yield-on-Cost %: 7.33 (28% below median its 10-year median of 10.12)
GF Value™: zł5.18 vs. price of zł4.64 (10.4% below fair value)
Industry Position: 61.1% above the Credit Services median (#58 of 211)
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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