NOVINA pozyczkihipoteczne.eu S.A. (WSE:NOV)

WSE:NOV Statistics

Total Valuation

WSE:NOV has a market cap or net worth of PLN 19.05 million. The enterprise value is 11.98 million.

Market Cap	19.05M
Enterprise Value	11.98M

Important Dates

The last earnings date was Friday, November 14, 2025.

Earnings Date	Nov 14, 2025
Ex-Dividend Date	n/a

Share Statistics

WSE:NOV has 32.29 million shares outstanding.

Current Share Class	32.29M
Shares Outstanding	32.29M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	45.43%
Owned by Institutions (%)	n/a
Float	14.95M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	-11.33
PB Ratio	0.85
P/TBV Ratio	0.85
P/FCF Ratio	34.37
P/OCF Ratio	36.34
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	-7.42
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	21.62

Financial Position

The company has a current ratio of 3.44, with a Debt / Equity ratio of 0.19.

Current Ratio	3.44
Quick Ratio	3.44
Debt / Equity	0.19
Debt / EBITDA	n/a
Debt / FCF	7.69
Interest Coverage	-22.46

Financial Efficiency

Return on equity (ROE) is -6.72% and return on invested capital (ROIC) is -7.95%.

Return on Equity (ROE)	-6.72%
Return on Assets (ROA)	-6.52%
Return on Invested Capital (ROIC)	-7.95%
Return on Capital Employed (ROCE)	-10.02%
Revenue Per Employee	-1.68M
Profits Per Employee	-1.62M
Employee Count	1
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, WSE:NOV has paid 160,796 in taxes.

Income Tax	160,796
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -47.46% in the last 52 weeks. The beta is 1.22, so WSE:NOV's price volatility has been higher than the market average.

Beta (5Y)	1.22
52-Week Price Change	-47.46%
50-Day Moving Average	0.61
200-Day Moving Average	0.77
Relative Strength Index (RSI)	45.01
Average Volume (20 Days)	43,110

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, WSE:NOV had revenue of PLN -1.68 million and -1.62 million in losses.

Revenue	-1.68M
Gross Profit	-1.78M
Operating Income	-3.34M
Pretax Income	-1.45M
Net Income	-1.62M
EBITDA	-3.21M
EBIT	-3.34M
Earnings Per Share (EPS)	n/a

Balance Sheet

The company has 11.33 million in cash and 4.26 million in debt, giving a net cash position of 7.06 million or 0.22 per share.

Cash & Cash Equivalents	11.33M
Total Debt	4.26M
Net Cash	7.06M
Net Cash Per Share	0.22
Equity (Book Value)	22.48M
Book Value Per Share	n/a
Working Capital	11.25M

Cash Flow

In the last 12 months, operating cash flow was 524,219 and capital expenditures 30,000, giving a free cash flow of 554,219.

Operating Cash Flow	524,219
Capital Expenditures	30,000
Free Cash Flow	554,219
FCF Per Share	0.02

Margins

Gross Margin	n/a
Operating Margin	198.93%
Pretax Margin	86.55%
Profit Margin	n/a
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

WSE:NOV does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	-8.48%
FCF Yield	2.91%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

The last stock split was on September 15, 2022. It was a forward split with a ratio of 2.

Last Split Date	Sep 15, 2022
Split Type	Forward
Split Ratio	2

Scores

Altman Z-Score	n/a
Piotroski F-Score	3