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NPL NovaWAR:PRI 59 Debt-to-Equity is 0.13 as of Mar. 2026, which is 58% below its 10-year median of 0.31. GuruFocus rates WAR:PRI with a GF Score™ of 59/100 and a GF Value™ of zł7.85 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 454 Credit Services companies, NPL Nova ranks better than 85.9% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for NPL Nova's Debt-to-Equity or its related term are showing as below:
WAR:PRI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.31 Max: 3.6
Current: 0.13
During the past 13 years, the highest Debt-to-Equity Ratio of NPL Nova was 3.60. The lowest was 0.12. And the median was 0.31.
WAR:PRI's Debt-to-Equity is ranked better than 85.9% of 454
companies
in the Credit Services industry
Industry Median: 1.21
vs WAR:PRI: 0.13
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
NPL Nova Debt-to-Equity Related Terms
NPL Nova Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for NPL Nova's Debt-to-Equity 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.
For the Credit Services subindustry, NPL Nova's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
NPL Nova Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NPL Nova's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where NPL Nova's Debt-to-Equity falls into.
* 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.
NPL Nova (WAR:PRI) has a Debt-to-Equity of 0.13 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on NPL Nova and its competitors. This is 58% below median its historical median of 0.31. Over the past decade, NPL Nova's Debt-to-Equity has ranged from 0.12 to 3.60. According to the industry distribution chart, NPL Nova ranks #64 out of 454 companies in the Credit Services industry, placing it in the top 14.1%.
Is NPL Nova's Debt-to-Equity too high?
NPL Nova's current Debt-to-Equity of 0.13 is 58% below median its 10-year median of 0.31. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 3.60. The Credit Services industry median Debt-to-Equity is 1.21. NPL Nova's value of 0.13 is 89.3% below this industry median. Based on the distribution chart, NPL Nova ranks #64 out of 454 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, NPL Nova has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NPL Nova's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, NPL Nova ranks #64 out of 454 companies for Debt-to-Equity. This places NPL Nova in the top 14% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 1.21. NPL Nova's value of 0.13 is 89.3% below this benchmark. Historically, NPL Nova's own Debt-to-Equity has ranged from 0.12 to 3.60 over the past decade. While the company's 10-year median is 0.31 vs. the industry median of 1.21, NPL Nova has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.21, based on 454 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NPL Nova's current Debt-to-Equity of 0.13 is 89.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on NPL Nova and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NPL Nova's current Debt-to-Equity is 0.13, which is 58% below median its own 10-year median of 0.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NPL Nova stock overvalued right now?
Based on GuruFocus' analysis, NPL Nova (WAR:PRI) is currently considered Significantly Undervalued. The stock's GF Value™ is zł7.85, compared to a current price of zł3.70 — trading 52.9% below its estimated fair value. The current Debt-to-Equity is 0.13, which is 58% below median its 10-year median of 0.31 and 89.3% below the Credit Services industry median of 1.21. NPL Nova's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For NPL Nova (WAR:PRI), the current Debt-to-Equity is 0.13 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 NPL Nova (WAR:PRI) Overvalued in 2026?
Based on GuruFocus' analysis, NPL Nova stock appears to be undervalued.
The current stock price of zł3.70 is trading 52.9% below its estimated GF Value™ of zł7.85.
GuruFocus considers NPL Nova to be Significantly Undervalued.
Key valuation signals for WAR:PRI:
Debt-to-Equity: 0.13 (58% below median its 10-year median of 0.31)
GF Value™: zł7.85 vs. price of zł3.70 (52.9% below fair value)
Industry Position: 89.3% below the Credit Services median (#64 of 454)
No single metric tells the full story. See the WAR:PRI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NPL Nova SA is a Poland based company engaged in the debt collection services. It specializes in recovering the amounts due to economic turnover and providing debt management services.
59GF Score
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