NOVINA pozyczkihipoteczne.eu (DB:T36) - Stock Price, News & Analysis

T36 Stock Overview

Provides mortgage secured cash loans for business entities in Poland.

T36 fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	5/6
Dividends	0/6

Rewards

Trading at 38.7% below our estimate of its fair value

Earnings grew by 13.5% over the past year

Risk Analysis

Does not have a meaningful market cap (€36M)

Highly volatile share price over the past 3 months compared to the German market

Shareholders have been diluted in the past year

Does not have meaningful revenue (PLN8M)

NOVINA pozyczkihipoteczne.eu S.A. Competitors

DF Deutsche Forfait

XTRA:DFTK

€17.7m

aifinyo

DB:EBEN

€13.3m

FORIS

XTRA:FRS

€12.8m

Black Sea Property

BST:XE8

€7.4m

Price History & Performance

Summary of all time highs, changes and price drops for NOVINA pozyczkihipoteczne.eu
Historical stock prices
Current Share Price	zł0.22
52 Week High	zł0.31
52 Week Low	zł0.097
Beta	2.4
11 Month Change	-14.23%
3 Month Change	51.29%
1 Year Change	125.25%
33 Year Change	n/a
5 Year Change	n/a
Change since IPO	123.00%

Recent updates

Shareholder Returns

	T36	DE Diversified Financial	DE Market
7D	-2.8%	-1.1%	1.4%
1Y	125.3%	47.3%	14.1%

Return vs Industry: T36 exceeded the German Diversified Financial industry which returned 44.1% over the past year.

Return vs Market: T36 exceeded the German Market which returned 14% over the past year.

Price Volatility

Is T36's price volatile compared to industry and market?
T36 volatility
T36 Average Weekly Movement	18.6%
Diversified Financial Industry Average Movement	4.5%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	10.9%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: T36's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: T36's weekly volatility (19%) has been stable over the past year, but is still higher than 75% of German stocks.

About the Company

Founded	Employees	CEO	Website
2011	1	Krzysztof Konopka	pozyczkihipoteczne.eu

NOVINA pozyczkihipoteczne.eu S.A. provides mortgage secured cash loans for business entities in Poland. 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.

NOVINA pozyczkihipoteczne.eu S.A. Fundamentals Summary

How do NOVINA pozyczkihipoteczne.eu's earnings and revenue compare to its market cap?
T36 fundamental statistics
Market cap	€8.43m
Earnings (TTM)	€1.01m
Revenue (TTM)	€1.83m

8.4x

P/E Ratio

4.6x

P/S Ratio

Is T36 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
T36 income statement (TTM)
Revenue	zł7.84m
Cost of Revenue	zł139.88k
Gross Profit	zł7.70m
Other Expenses	zł3.37m
Earnings	zł4.33m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

Nov 14, 2024

Earnings per share (EPS)	0.13
Gross Margin	98.22%
Net Profit Margin	55.22%
Debt/Equity Ratio	1.2%

How did T36 perform over the long term?

See historical performance and comparison

NOVINA pozyczkihipoteczne.eu DB:T36 Stock Report