Centrum Finansowe Banku BPS SA (CFS) fair value: what the stock is really worth
As of Sep 17, 2026: fair value of Centrum Finansowe Banku BPS SA PLN 9.52, price PLN 4.76, upside +100.0%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range 2.09 PLN – 5.43 PLN · fair‑value band 7.14 PLN – 11.90 PLN · the 4.76 PLN price screens below the 9.52 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Centrum Finansowe Banku BPS SA (CFS) currently trades at 4.76 PLN, while our model-based Fair Value estimate is 9.52 PLN, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 14.34 PLN per share, and 4 of the 4 models we run sit above the 4.76 PLN price.
Bear case: the Asset-Based group reads lowest at 6.86 PLN, and 0 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: 7.14 PLN (bear) to 11.90 PLN (bull), the price of 4.76 PLN sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Centrum Finansowe Banku BPS SA reported revenue of 24.0M PLN in FY2024 versus 14.9M PLN in FY2020, a compound +12.6%/yr. Reported net income was 8.9M PLN in FY2024, compounding +13.0%/yr from FY2020.
Key figures
Market cap 43.8M PLN (≈ $11.4M) · P/E ratio 5.7 · P/S ratio 2.11 · EPS (TTM) 0.6174 PLN · Dividend yield 14.4% · Net margin 36.9% · Return on equity 1,825% · Return on assets (EBIT) 22.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financials peers we cover trades at 81% fair-value upside, at 100%, CFS screens cheaper than that median.
Fair Value models
Bear 7.14 PLNFair Value 9.52 PLNBull 11.90 PLN
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2024 figures (about 12 months old). Earnings retained since then (0.6174 PLN per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+3.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.9%
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+22.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.2%
Dividend (yield on the price)14.4%
Profit margin 2015 to 2020 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.8% → 62%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−19.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about −21.8% a year for the price.
Compare Centrum Finansowe Banku BPS SA with another stock
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Banking Services” was too small, so the broader sector is used.)Financials · 3337 stocks
Beats the sector median on 8/11 measures
Overall it ranks above its sector peers.
Valuation
Quality Score61 · Above median
Fair Value upside+100% · Top 25%
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)37% · Above median
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Below median
Dividend yield (TTM)14.4% · Top 25%
Balance sheet
Debt / equity0.21× · Below median
Valuation Multiplesvs Financials median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Centrum Finansowe Banku BPS SA Fair Value". https://www.fairvalue-calculator.com/stock/CFS
Frequently asked questions
Is Centrum Finansowe Banku BPS SA (CFS) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 9.52 PLN versus the last price from Sep 17, 2026 of 4.76 PLN, about +100% upside (undervalued).
What is the fair value of CFS?
Our model-based fair value for Centrum Finansowe Banku BPS SA is 9.52 PLN (as of Sep 23, 2026), built from audited fundamentals. Last price (from Sep 17, 2026): 4.76 PLN.
What is the quality score of CFS?
Centrum Finansowe Banku BPS SA has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Centrum Finansowe Banku BPS SA (CFS)?
Our model-based price target is the fair value of 9.52 PLN (as of Sep 23, 2026) from 4 valuation models. Cautious scenario 7.14 PLN, optimistic scenario 11.90 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Centrum Finansowe Banku BPS SA stock forecast for 2026?
Our models put fair value at 9.52 PLN, about +100% upside versus the last price from Sep 17, 2026 of 4.76 PLN (undervalued). Cautious scenario 7.14 PLN, optimistic scenario 11.90 PLN. The calculation is refreshed regularly with new filings.
Does Centrum Finansowe Banku BPS SA pay a dividend?
Centrum Finansowe Banku BPS SA currently shows a dividend yield of about 14.37% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Centrum Finansowe Banku BPS SA (CFS)?
For today's price to be fair in a discounted-cash-flow model, Centrum Finansowe Banku BPS SA would have to grow free cash flow by -19.3 % per year for five years (discount rate 10.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.9 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of CFS use?
Our models discount Centrum Finansowe Banku BPS SA at 10.6 %: a base by market capitalisation (nano), country premium for Poland. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Centrum Finansowe Banku BPS SA that is -19.3 % per year a year over ten years, using the same discount rate (10.6 %) and the same formula as our fair value.
How much growth has Centrum Finansowe Banku BPS SA (CFS) delivered so far?
Over the past 5 years revenue at Centrum Finansowe Banku BPS SA grew +11.9 % a year. The price currently implies -19.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Centrum Finansowe Banku BPS SA (CFS) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Centrum Finansowe Banku BPS SA (-19.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Centrum Finansowe Banku BPS SA (CFS)?
The free-cash-flow yield on the price is 25.47 %: that much free cash flow Centrum Finansowe Banku BPS SA produces per unit of market value. When it exceeds the discount rate of our models (10.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Centrum Finansowe Banku BPS SA (CFS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Centrum Finansowe Banku BPS SA it is 9.52 PLN per share (as of Sep 23, 2026), against a price of 4.76 PLN. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Centrum Finansowe Banku BPS SA stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CFS trades below its calculated fair value: price 4.76 PLN, fair value 9.52 PLN, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CFS?
No. The price is what the market pays today (4.76 PLN); the fair value is what the company's own numbers justify (9.52 PLN). For Centrum Finansowe Banku BPS SA the two are 4.76 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Centrum Finansowe Banku BPS SA worth?
The market values Centrum Finansowe Banku BPS SA at about 43.8M PLN (market capitalisation, as of Sep 23, 2026). Per share that is 4.76 PLN; our models calculate a fair value of 9.52 PLN per share.
What do the bullish and bearish scenarios say about CFS?
Our models span a range for Centrum Finansowe Banku BPS SA: cautious scenario 7.14 PLN, base 9.52 PLN, optimistic 11.90 PLN per share (as of Sep 23, 2026, price 4.76 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CFS?
Centrum Finansowe Banku BPS SA trades at a price-to-earnings ratio of 5.7 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 9.52 PLN is built from several models across several years. Other multiples: P/B 0.2.
How solid is the balance sheet of Centrum Finansowe Banku BPS SA (CFS)?
Balance-sheet figures for Centrum Finansowe Banku BPS SA (as of Sep 23, 2026): debt of 0.21 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is CFS from its 52-week high?
Centrum Finansowe Banku BPS SA trades at 4.76 PLN, about 12% below its 52-week high of 5.43 PLN and 6% above the low of 4.48 PLN (as of Sep 17, 2026). Distance from the high says nothing about value: that is what the fair value of 9.52 PLN is for.
Which stocks are comparable to Centrum Finansowe Banku BPS SA?
From the same area (Financials) we also value Federal Home Loan Mortgage Corporation, LTG, FDC, 535789, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Centrum Finansowe Banku BPS SA stock attractive at the current price?
The data as of Sep 23, 2026: price 4.76 PLN, calculated fair value 9.52 PLN (+100%), Quality Score 60/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CFS calculated?
We run Centrum Finansowe Banku BPS SA through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 9.52 PLN, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Centrum Finansowe Banku BPS SA currently trades 100 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Centrum Finansowe Banku BPS SA (CFS)?
The latest price we hold is from Sep 17, 2026 and stands at 4.76 PLN. Our model-based fair value is 9.52 PLN, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Centrum Finansowe Banku BPS SA right now?
The price is below even our cautious bear case (7.14 PLN). The market is more pessimistic than our downside scenario. Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Centrum Finansowe Banku BPS SA
How large is the market capitalisation of Centrum Finansowe Banku BPS SA (CFS)?
The market capitalisation of Centrum Finansowe Banku BPS SA is 43.8M PLN (≈ $11.4M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Centrum Finansowe Banku BPS SA (CFS)?
The price-to-sales ratio of Centrum Finansowe Banku BPS SA is 2.11 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Centrum Finansowe Banku BPS SA (CFS)?
Earnings per share at Centrum Finansowe Banku BPS SA are 0.6174 PLN (price ÷ EPS = P/E 5.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Centrum Finansowe Banku BPS SA (CFS)?
The dividend yield of Centrum Finansowe Banku BPS SA is 14.4% (payout 111%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Centrum Finansowe Banku BPS SA (CFS)?
The net margin of Centrum Finansowe Banku BPS SA is 36.9% (fiscal year 2024). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Centrum Finansowe Banku BPS SA (CFS)?
The return on equity (ROE) of Centrum Finansowe Banku BPS SA is 1,825% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Centrum Finansowe Banku BPS SA (CFS)?
On an EBIT basis the return on assets of Centrum Finansowe Banku BPS SA is 22.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much net debt does Centrum Finansowe Banku BPS SA (CFS) carry?
The net debt of Centrum Finansowe Banku BPS SA is 8.6M PLN (fiscal year 2024, ≈ 0.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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