CFI Holding S.A.

CFI.WA

Conglomerates · Industrials

Exchange

Warsaw Stock Exchange

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Mixed

Growth

Mixed

Cash Flow

Exceptional

Stability

Good

Valuation

Mixed

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Winston Score History

The full picture

CFI Holding S.A. is a Polish conglomerate listed on the Warsaw Stock Exchange. It operates across several business areas, including real estate, financial services, and investments in other companies. Its customers range from individual consumers to businesses, and it works primarily within the Polish market.

The company makes money through a mix of rental income, returns on investments, and fees from financial activities. It is a relatively small company with a market capitalization of around $0.4 billion, and its operations are concentrated in Poland. Its low ROIC of 3.0% suggests the business is not generating strong returns on the capital it deploys, which is a notable concern for long-term investors. The key risk CFI faces is its dependence on the Polish economy and its ability to improve capital efficiency across its diverse portfolio of businesses.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.6% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+0.0% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

96.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

858M PLN cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

CFI Holding S.A. is growing revenue at 8% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

65.9%

Premium pricing power — 65.9% gross margin

Profit after running costs

Operating Margin

11.1%

Modest — 11.1% operating margin

Return on the money invested

ROCE

5.8%

Weak — 5.8% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+1.5%

Nearly flat sales (+1.5% YoY)

Profit growth

EPS YoY

+3.4%

Modest earnings growth (+3.4% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

296%

Turns 296% of profit into real cash

Spare cash per sale

FCF Margin

16.5%

Converts sales into free cash efficiently (16.5%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

0.22

Conservative — low debt load (0.22)

Covers its interest

Interest Cover

1.92x

Dangerous — barely covers interest (1.9x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

22.3x

no trend

Growth-priced — P/E 22.3

P/E above the market average. People are paying up for expected growth.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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