NOVINA pozyczkihipoteczne.eu S.A (NOV) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of NOVINA pozyczkihipoteczne.eu S.A stock PLN 1.01, price PLN 0.66, upside +52.3%, quality 46 out of 100. Rating: strongly undervalued. 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. As of Nov 4, 2026.
How to read this chart
60‑month range 0.3104 PLN – 1.60 PLN · fair‑value band 0.5270 PLN – 1.62 PLN · the 0.6640 PLN price screens below the 1.01 PLN fair value. As of Nov 4, 2026.
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NOVINA pozyczkihipoteczne.eu S.A. provides loans secured by a mortgage in Poland. It offers mortgage loans secured by an apartment, plot of land, and premises, as well as home equity mortgage loans.
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The company was formerly known as Novina Spólka Akcyjna and changed its name to NOVINA pozyczkihipoteczne.eu S.A. in October 2024. NOVINA pozyczkihipoteczne.eu S.A. was incorporated in 2011 and is headquartered in Warsaw, Poland.
Stock analysis
NOVINA pozyczkihipoteczne.eu S.A (NOV) currently trades at 0.6640 PLN, while our model-based Fair Value estimate is 1.01 PLN, implying the stock looks roughly 34% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 1.19 PLN per share, and 8 of the 10 models we run sit above the 0.6640 PLN price.
Bear case: the Asset-Based group reads lowest at 0.4100 PLN, and 2 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.5270 PLN (bear) to 1.62 PLN (bull), the price of 0.6640 PLN sits inside 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 46/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
NOVINA pozyczkihipoteczne.eu S.A reported revenue of 7.3M PLN in FY2025 versus 3.5M PLN in FY2022, a compound +28.3%/yr. Reported net income was 2.2M PLN in FY2025, compounding +3.3%/yr from FY2022.
Key figures
Market cap 26.9M PLN (≈ $6.9M) Micro · P/E ratio 13.3 · P/S ratio 4.85 · EPS (TTM) 0.0500 PLN · Net margin 44.7% · Return on equity 9.3% · Return on assets (EBIT) 18.5% · Operating margin 63.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 22% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 6% fair-value upside, at 52%, NOV screens cheaper than that median.
Fair Value models
Bear0.5270 PLNFair Value 1.01 PLNBull1.62 PLN
Price 0.6640 PLN · Upside +52.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.0423 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.
Best data coverage
Growth DCF0.8000 PLN1.46 PLN2.67 PLN71
Residual Income0.5100 PLN0.5500 PLN0.6300 PLN68
Rev-Margin DCF0.4400 PLN0.7700 PLN1.25 PLN67
All 10 models by family
DCF Models
5Y P/E Exit0.6200 PLN1.19 PLN1.91 PLN65
10Y P/E Exit0.6800 PLN1.26 PLN2.23 PLN58
Earnings-Based
Graham-Dodd0.3700 PLN2.55 PLN3.58 PLN60
Lynch FV0.7700 PLN1.10 PLN1.43 PLN58
Multiples
P/E Multiple0.5200 PLN0.7000 PLN0.8700 PLN63
P/B Multiple0.6500 PLN0.8600 PLN1.08 PLN55
Asset-Based
NCAV (Graham)0.3100 PLN0.4100 PLN0.6200 PLN54
Growth DCF
Growth DCF0.8000 PLN1.46 PLN2.67 PLN71
Rev-Margin DCF0.4400 PLN0.7700 PLN1.25 PLN67
Economic Profit
Residual Income0.5100 PLN0.5500 PLN0.6300 PLN68
The fair value above starts from this blend and is adjusted for dilution from new shares.
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.95/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+19.8%
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.
+28.3%
’22
’23
’24
’25
What shareholders gained per year (last 3 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 3 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. Basis: EBIT basis.
+0.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.4%
Dividend (yield on the price)0.0%
Profit margin 2022 to 2025 ⓘ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.76% → 60%
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).
−4.2%
The company could shrink this much every year for the next five years and today's price would still be justified.
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 −7.2% a year for the price.
Compare NOVINA pozyczkihipoteczne.eu S.A with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 285 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score46 · Below median
Fair Value upside+52.3% · Above median
Profitability
Return on equity (12 months)9.3% · Below median
Return on assets5.3% · Top 25%
Net margin (12 months)44.7% · Top 25%
Operating margin (12 months)63.0% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)104.2% · Top 25%
Balance sheet
Debt / equity0.03× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is NOVINA pozyczkihipoteczne.eu S.A (NOV) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 1.01 PLN versus a price of 0.6640 PLN, about +52% upside (undervalued).
What is the fair value of NOV?
Our model-based fair value for NOVINA pozyczkihipoteczne.eu S.A is 1.01 PLN (as of Nov 4, 2026), built from audited fundamentals. The current price: 0.6640 PLN.
What is the quality score of NOV?
NOVINA pozyczkihipoteczne.eu S.A has a Quality Score of 46/100. 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 NOVINA pozyczkihipoteczne.eu S.A (NOV)?
Our model-based price target is the fair value of 1.01 PLN (as of Nov 4, 2026) from 10 valuation models. Cautious scenario 0.5270 PLN, optimistic scenario 1.62 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the NOVINA pozyczkihipoteczne.eu S.A stock forecast for 2026?
Our models put fair value at 1.01 PLN, about +52% upside versus a price of 0.6640 PLN (undervalued). Cautious scenario 0.5270 PLN, optimistic scenario 1.62 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of NOVINA pozyczkihipoteczne.eu S.A (NOV)?
NOVINA pozyczkihipoteczne.eu S.A reported trailing-twelve-month revenue of about 5.6M PLN (latest available figure, as of Nov 4, 2026).
What growth is priced into NOVINA pozyczkihipoteczne.eu S.A (NOV)?
For today's price to be fair in a discounted-cash-flow model, NOVINA pozyczkihipoteczne.eu S.A would have to grow free cash flow by -4.2 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +28.3 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of NOV use?
Our models discount NOVINA pozyczkihipoteczne.eu S.A at 9.8 %: a base by market capitalisation (nano), damped by beta 0.71, 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 NOVINA pozyczkihipoteczne.eu S.A that is -4.2 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has NOVINA pozyczkihipoteczne.eu S.A (NOV) delivered so far?
Over the past 3 years revenue at NOVINA pozyczkihipoteczne.eu S.A grew +28.3 % a year. The price currently implies -4.2 % 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 NOVINA pozyczkihipoteczne.eu S.A (NOV) growing?
The median revenue growth in the sector is +6.0 % a year. That is the yardstick for the growth priced into NOVINA pozyczkihipoteczne.eu S.A (-4.2 % 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 NOVINA pozyczkihipoteczne.eu S.A (NOV)?
The free-cash-flow yield on the price is 10.68 %: that much free cash flow NOVINA pozyczkihipoteczne.eu S.A produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of NOVINA pozyczkihipoteczne.eu S.A (NOV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NOVINA pozyczkihipoteczne.eu S.A it is 1.01 PLN per share (as of Nov 4, 2026), against a price of 0.6640 PLN. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is NOVINA pozyczkihipoteczne.eu S.A stock overvalued or undervalued in 2026?
As of Nov 4, 2026, NOV trades below its calculated fair value: price 0.6640 PLN, fair value 1.01 PLN, a gap of about +52% (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 NOV?
No. The price is what the market pays today (0.6640 PLN); the fair value is what the company's own numbers justify (1.01 PLN). For NOVINA pozyczkihipoteczne.eu S.A the two are 0.3475 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is NOVINA pozyczkihipoteczne.eu S.A worth?
The market values NOVINA pozyczkihipoteczne.eu S.A at about 26.9M PLN (market capitalisation, as of Nov 4, 2026). Per share that is 0.6640 PLN; our models calculate a fair value of 1.01 PLN per share.
What do the bullish and bearish scenarios say about NOV?
Our models span a range for NOVINA pozyczkihipoteczne.eu S.A: cautious scenario 0.5270 PLN, base 1.01 PLN, optimistic 1.62 PLN per share (as of Nov 4, 2026, price 0.6640 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NOV?
NOVINA pozyczkihipoteczne.eu S.A trades at a price-to-earnings ratio of 13.3 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1.01 PLN is built from several models across several years. Other multiples: P/B 1.1, P/S 4.8, EV/EBITDA 13.1.
How solid is the balance sheet of NOVINA pozyczkihipoteczne.eu S.A (NOV)?
Balance-sheet figures for NOVINA pozyczkihipoteczne.eu S.A (as of Nov 4, 2026): return on equity 9.3%, debt of 0.03 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is NOV from its 52-week high?
NOVINA pozyczkihipoteczne.eu S.A trades at 0.6640 PLN, about 8% below its 52-week high of 0.7200 PLN and 22% above the low of 0.5460 PLN (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of 1.01 PLN is for.
Which stocks are comparable to NOVINA pozyczkihipoteczne.eu S.A?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 NOVINA pozyczkihipoteczne.eu S.A stock attractive at the current price?
The data as of Nov 4, 2026: price 0.6640 PLN, calculated fair value 1.01 PLN (+52%), Quality Score 46/100, from 10 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 NOV calculated?
We run NOVINA pozyczkihipoteczne.eu S.A through 10 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 1.01 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 15.0% above its aggregate fair value. NOVINA pozyczkihipoteczne.eu S.A currently trades 34% 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 NOVINA pozyczkihipoteczne.eu S.A (NOV)?
The closing price on Nov 4, 2026 was 0.6640 PLN. Our model-based fair value is 1.01 PLN, about +52% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with NOVINA pozyczkihipoteczne.eu S.A right now?
The large discount to fair value meets weak quality (46/100). That raises the risk this is a value trap rather than a bargain. The model range is unusually wide (0.5270 PLN to 1.62 PLN). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 NOVINA pozyczkihipoteczne.eu S.A
How large is the market capitalisation of NOVINA pozyczkihipoteczne.eu S.A (NOV)?
The market capitalisation of NOVINA pozyczkihipoteczne.eu S.A is 26.9M PLN (≈ $6.9M). 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 NOVINA pozyczkihipoteczne.eu S.A (NOV)?
The price-to-sales ratio of NOVINA pozyczkihipoteczne.eu S.A is 4.85 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of NOVINA pozyczkihipoteczne.eu S.A (NOV)?
Earnings per share at NOVINA pozyczkihipoteczne.eu S.A are 0.0500 PLN (price ÷ EPS = P/E 13.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of NOVINA pozyczkihipoteczne.eu S.A (NOV)?
The net margin of NOVINA pozyczkihipoteczne.eu S.A is 44.7% (last twelve months). 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 NOVINA pozyczkihipoteczne.eu S.A (NOV)?
The return on equity (ROE) of NOVINA pozyczkihipoteczne.eu S.A is 9.3% (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 NOVINA pozyczkihipoteczne.eu S.A (NOV)?
On an EBIT basis the return on assets of NOVINA pozyczkihipoteczne.eu S.A is 18.5% (avg 4y). 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.
What is the operating margin of NOVINA pozyczkihipoteczne.eu S.A (NOV)?
The operating margin of NOVINA pozyczkihipoteczne.eu S.A is 63.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at NOVINA pozyczkihipoteczne.eu S.A (NOV)?
Revenue at NOVINA pozyczkihipoteczne.eu S.A is growing +104% versus a year earlier (3y avg +28.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at NOVINA pozyczkihipoteczne.eu S.A (NOV)?
Earnings per share at NOVINA pozyczkihipoteczne.eu S.A are growing +124% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does NOVINA pozyczkihipoteczne.eu S.A (NOV) carry?
The net debt of NOVINA pozyczkihipoteczne.eu S.A is 2.4M PLN (fiscal year 2025, ≈ 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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