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

T36 Stock Overview

Provides mortgage secured cash loans for business entities in Poland. More details

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

Rewards

Trading at 47% below our estimate of its fair value

Earnings grew by 90% over the past year

Risk Analysis

High level of non-cash earnings

Does not have a meaningful market cap (€37M)

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

Does not have meaningful revenue (PLN8M)

NOVINA pozyczkihipoteczne.eu S.A. Competitors

DF Deutsche Forfait

XTRA:DFTK

€17.6m

aifinyo

DB:EBEN

€13.3m

FORIS

XTRA:FRS

€12.4m

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	zł0.23
52 Week High	zł0.31
52 Week Low	zł0.11
Beta	2.4
11 Month Change	-12.12%
3 Month Change	7.03%
1 Year Change	78.52%
33 Year Change	n/a
5 Year Change	n/a
Change since IPO	128.50%

Recent updates

Shareholder Returns

	T36	DE Diversified Financial	DE Market
7D	1.8%	-4.1%	1.1%
1Y	78.5%	1.9%	7.2%

Return vs Industry: T36 exceeded the German Diversified Financial industry which returned 1.1% over the past year.

Return vs Market: T36 exceeded the German Market which returned 8.6% over the past year.

Price Volatility

Is T36's price volatile compared to industry and market?
T36 volatility
T36 Average Weekly Movement	17.3%
Diversified Financial Industry Average Movement	3.6%
Market Average Movement	4.8%
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 (17%) 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	€8.54m
Earnings (TTM)	€1.41m
Revenue (TTM)	€1.90m

6.0x

P/E Ratio

4.5x

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	zł8.17m
Cost of Revenue	zł99.84k
Gross Profit	zł8.07m
Other Expenses	zł1.99m
Earnings	zł6.08m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.19
Gross Margin	98.78%
Net Profit Margin	74.46%
Debt/Equity Ratio	1.1%

How did T36 perform over the long term?

See historical performance and comparison

NOVINA pozyczkihipoteczne.eu DB:T36 Stock Report