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	6/6
Financial Health	5/6
Dividends	0/6

Rewards

Trading at 51.8% below our estimate of its fair value

Earnings grew by 90% over the past year

Risk Analysis

Does not have a meaningful market cap (€35M)

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

Does not have meaningful revenue (PLN8M)

My Notes

Capture your thoughts, links and company narrative

NOVINA pozyczkihipoteczne.eu S.A. Competitors

DF Deutsche Forfait

XTRA:DFTK

€17.6m

aifinyo

DB:EBEN

€13.3m

FORIS

XTRA:FRS

€12.2m

Black Sea Property

BST:XE8

€7.4m

Price History & Performance

Summary of share price highs, lows and changes for NOVINA pozyczkihipoteczne.eu
Historical stock prices
Current Share Price	zł0.21
52 Week High	zł0.31
52 Week Low	zł0.11
Beta	2.46
1 Month Change	-5.51%
3 Month Change	-13.51%
1 Year Change	79.50%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	114.50%

Recent updates

Shareholder Returns

	T36	DE Diversified Financial	DE Market
7D	-2.1%	-2.1%	-2.6%
1Y	79.5%	-14.1%	6.9%

Return vs Industry: T36 exceeded the German Diversified Financial industry which returned -14.1% over the past year.

Return vs Market: T36 exceeded the German Market which returned 6.9% over the past year.

Price Volatility

Is T36's price volatile compared to industry and market?
T36 volatility
T36 Average Weekly Movement	13.1%
Diversified Financial Industry Average Movement	3.6%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.2%
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 (13%) 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	€8.14m
Earnings (TTM)	€1.43m
Revenue (TTM)	€1.92m

5.7x

P/E Ratio

4.2x

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

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 04:58
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

NOVINA pozyczkihipoteczne.eu S.A. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution