Novina Pozyczkihipoteczne.Eu (WAR:NOV) Cyclically Adjusted Book per Share: zł0.59 (As of Mar. 2026)


WAR:NOV Novina Pozyczkihipoteczne.Eu SA WAR:NOV
69 GF Score
Price zł0.61
GF Value zł0.89
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is Novina Pozyczkihipoteczne.Eu Cyclically Adjusted Book per Share?

Novina Pozyczkihipoteczne.Eu WAR:NOV +0.33% 69 Cyclically Adjusted Book per Share is zł0.59 as of Mar. 2026. GuruFocus rates WAR:NOV with a GF Score™ of 69/100 and a GF Value™ of zł0.89 (Significantly Undervalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Novina Pozyczkihipoteczne.Eu's adjusted book value per share for the three months ended in Mar. 2026 was zł0.743. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is zł0.59 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Novina Pozyczkihipoteczne.Eu's average Cyclically Adjusted Book Growth Rate was -29.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-11), Novina Pozyczkihipoteczne.Eu's current stock price is zł0.61. Novina Pozyczkihipoteczne.Eu's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was zł0.59. Novina Pozyczkihipoteczne.Eu's Cyclically Adjusted PB Ratio of today is 1.03.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Novina Pozyczkihipoteczne.Eu was 1.18. The lowest was 0.63. And the median was 0.84.


Novina Pozyczkihipoteczne.Eu  (WAR:NOV) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Novina Pozyczkihipoteczne.Eu's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=0.61/0.59
=1.03

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Novina Pozyczkihipoteczne.Eu was 1.18. The lowest was 0.63. And the median was 0.84.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Novina Pozyczkihipoteczne.Eu Cyclically Adjusted Book per Share Related Terms


Novina Pozyczkihipoteczne.Eu Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Novina Pozyczkihipoteczne.Eu's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Novina Pozyczkihipoteczne.Eu Cyclically Adjusted Book per Share Chart

Novina Pozyczkihipoteczne.Eu Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.71

Novina Pozyczkihipoteczne.Eu Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.84 0.84 0.84 0.71 0.59

WAR:NOV vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Novina Pozyczkihipoteczne.Eu's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Novina Pozyczkihipoteczne.Eu Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Novina Pozyczkihipoteczne.Eu's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Novina Pozyczkihipoteczne.Eu's Cyclically Adjusted PB Ratio falls into.


WAR:NOV
69GF Score
Novina Pozyczkihipoteczne.Eu SA WAR:NOV
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Novina Pozyczkihipoteczne.Eu Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Novina Pozyczkihipoteczne.Eu's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.743/163.0700*163.0700
=0.743

Current CPI (Mar. 2026) = 163.0700.

Novina Pozyczkihipoteczne.Eu Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.536 99.552 0.878
201609 0.000 99.064 0.000
201612 0.488 100.366 0.793
201703 0.484 101.018 0.781
201706 0.000 101.180 0.000
201709 0.469 101.343 0.755
201712 0.241 102.564 0.383
201803 0.450 102.564 0.715
201806 0.586 103.378 0.924
201809 0.492 103.378 0.776
201812 0.210 103.785 0.330
201903 0.213 104.274 0.333
201906 0.211 105.983 0.325
201909 0.228 105.983 0.351
201912 0.228 107.123 0.347
202003 0.234 109.076 0.350
202006 0.239 109.402 0.356
202009 0.259 109.320 0.386
202012 0.270 109.565 0.402
202103 0.297 112.658 0.430
202106 0.297 113.960 0.425
202109 0.297 115.588 0.419
202112 0.393 119.088 0.538
202203 0.417 125.031 0.544
202206 0.284 131.705 0.352
202209 0.457 135.531 0.550
202212 0.468 139.113 0.549
202303 0.510 145.950 0.570
202306 0.425 147.009 0.471
202309 0.577 146.113 0.644
202312 0.599 147.741 0.661
202403 0.680 149.044 0.744
202406 0.703 150.997 0.759
202409 0.769 153.439 0.817
202412 0.803 154.660 0.847
202503 0.813 157.021 0.844
202506 0.740 157.509 0.766
202509 0.671 158.000 0.693
202512 0.745 158.320 0.767
202603 0.743 163.070 0.743

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of zł0.59 mean?
Novina Pozyczkihipoteczne.Eu (WAR:NOV) has a Cyclically Adjusted Book per Share of zł0.59 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Novina Pozyczkihipoteczne.Eu and its competitors.
Is Novina Pozyczkihipoteczne.Eu's Cyclically Adjusted Book per Share too high?
Novina Pozyczkihipoteczne.Eu's current Cyclically Adjusted Book per Share is zł0.59. Overall, Novina Pozyczkihipoteczne.Eu has a GF Score™ of 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Novina Pozyczkihipoteczne.Eu's Cyclically Adjusted Book per Share compare to V and MA?
Novina Pozyczkihipoteczne.Eu's Cyclically Adjusted Book per Share of zł0.59 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Novina Pozyczkihipoteczne.Eu and its competitors. Novina Pozyczkihipoteczne.Eu's current Cyclically Adjusted Book per Share is zł0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Novina Pozyczkihipoteczne.Eu stock overvalued right now?
Based on GuruFocus' analysis, Novina Pozyczkihipoteczne.Eu (WAR:NOV) is currently considered Significantly Undervalued. The stock's GF Value™ is zł0.89, compared to a current price of zł0.61 — trading 31.5% below its estimated fair value. The current Cyclically Adjusted Book per Share is zł0.59. Novina Pozyczkihipoteczne.Eu's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Novina Pozyczkihipoteczne.Eu (WAR:NOV), the current Cyclically Adjusted Book per Share is zł0.59 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Novina Pozyczkihipoteczne.Eu (WAR:NOV) Overvalued in 2026?

Based on GuruFocus' analysis, Novina Pozyczkihipoteczne.Eu stock appears to be undervalued. The current stock price of zł0.61 is trading 31.5% below its estimated GF Value™ of zł0.89. GuruFocus considers Novina Pozyczkihipoteczne.Eu to be Significantly Undervalued.

Key valuation signals for WAR:NOV:

  • Cyclically Adjusted Book per Share: zł0.59
  • GF Value™: zł0.89 vs. price of zł0.61 (31.5% below fair value)
  • GF Score™: 69/100 with 3 warning signs

No single metric tells the full story. See the WAR:NOV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Novina Pozyczkihipoteczne.Eu Business Description

Address Al. Jana Paw?a II 27, Warszawa, POL, 00-867
Novina Pozyczkihipoteczne.Eu SA formerly Novina SA is an investment company engaged in the financing of projects. The company operates in areas including private equity and secured loan.
69GF Score

Get the complete analysis for WAR:NOV

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł0.61
Price
zł0.89
GF Value