NOVINA pozyczkihipoteczne.eu S.A. (WSE:NOV)
Poland · Delayed Price · Currency is PLN 0.6900
-0.0100 (-1.43%)
At close: Oct 12, 2026
WSE:NOV Ratios and Metrics
Market cap in millions PLN. Fiscal year is January - December.
Millions PLN. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Oct '26 Oct 9, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
| 28 | 20 | 35 | 24 | 16 | 11 | |
Market Cap Growth | 36.62% | -40.90% | 41.16% | 51.62% | 40.95% | 137.32% |
Enterprise Value | 17 | 13 | 27 | 10 | 5 | 4 |
Last Close Price | 0.69 | 0.60 | 1.04 | 0.72 | 0.62 | 0.44 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Oct '26 Oct 9, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 11.22 | 9.39 | 9.34 | 7.08 | 8.17 | 6.08 |
PS Ratio | 5.02 | 4.67 | 15.10 | 3.99 | 4.98 | 4.26 |
PB Ratio | 0.98 | 0.82 | 1.47 | 1.22 | 1.32 | 1.11 |
P/TBV Ratio | 0.98 | 0.82 | 1.47 | 1.22 | 1.32 | 1.11 |
P/FCF Ratio | 6.31 | 7.09 | 24.84 | 6.20 | 8.92 | 7.29 |
P/OCF Ratio | 6.31 | 7.09 | 23.98 | 5.76 | 7.22 | 5.15 |
EV Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Oct '26 Oct 9, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
EV/Sales Ratio | 3.11 | 3.05 | 11.87 | 1.69 | 1.56 | 1.56 |
EV/EBITDA Ratio | 8.51 | 7.96 | 15.55 | 2.10 | 2.10 | 2.44 |
EV/EBIT Ratio | 8.99 | 8.67 | 16.87 | 2.12 | 2.10 | 2.45 |
EV/FCF Ratio | 3.91 | 4.64 | 19.53 | 2.63 | 2.80 | 2.67 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Oct '26 Oct 9, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Debt / Equity Ratio | 0.12 | 0.03 | 0.02 | 0.01 | 0.02 | 0.02 |
Debt / EBITDA Ratio | 1.73 | 0.45 | 0.25 | 0.04 | 0.09 | 0.12 |
Debt / FCF Ratio | 0.80 | 0.26 | 0.31 | 0.05 | 0.12 | 0.14 |
Net Debt / Equity Ratio | -0.37 | -0.38 | -0.20 | -0.42 | -0.62 | -0.95 |
Net Debt / EBITDA Ratio | -5.22 | -5.60 | -2.75 | -1.72 | -3.17 | -5.66 |
Net Debt / FCF Ratio | -2.40 | -3.26 | -3.45 | -2.15 | -4.23 | -6.20 |
Asset Turnover | 0.14 | 0.12 | 0.09 | 0.36 | 0.28 | 0.30 |
Quick Ratio | 4.27 | 1.28 | 1.23 | 6.46 | 15.90 | 19.17 |
Current Ratio | 4.27 | 1.28 | 1.23 | 6.46 | 15.93 | 19.20 |
Return on Equity (ROE) | 9.32% | 8.98% | 16.99% | 21.36% | 17.50% | 22.08% |
Return on Assets (ROA) | 2.93% | 2.67% | 3.85% | 17.91% | 12.78% | 12.11% |
Return on Invested Capital (ROIC) | 6.80% | 5.85% | 10.21% | 52.04% | 82.82% | 291.93% |
Return on Capital Employed (ROCE) | 4.40% | 5.20% | 6.90% | 24.40% | 19.70% | 16.60% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Oct '26 Oct 9, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Earnings Yield | 8.91% | 10.65% | 10.71% | 14.13% | 12.23% | 16.44% |
FCF Yield | 15.84% | 14.10% | 4.03% | 16.13% | 11.21% | 13.72% |
Buyback Yield / Dilution | -23.55% | -1.24% | 0.19% | -48.64% | 0.13% | -27.70% |
Total Shareholder Return | -23.55% | -1.24% | 0.19% | -48.64% | 0.13% | -27.70% |