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Novina Pozyczkihipoteczne.EuFRA:T36 86 3-Year EBITDA Growth Rate is 10.40% as of Jun. 2026, which is 76% below its 10-year median of 43.85. GuruFocus rates FRA:T36 with a GF Score™ of 86/100 and a GF Value™ of €0.21. The stock has 6 warning signs investors should review. Among 333 Credit Services companies, Novina Pozyczkihipoteczne.Eu ranks worse than 51.65% on this metric.
During the past 12 months, Novina Pozyczkihipoteczne.Eu's average EBITDA Per Share Growth Rate was 19.30% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 10.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 28.70% 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 average EBITDA per share growth rate.
During the past 12 years, the highest 3-Year average EBITDA Per Share Growth Rate of Novina Pozyczkihipoteczne.Eu was 172.30% per year. The lowest was 10.40% per year. And the median was 43.85% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Novina Pozyczkihipoteczne.Eu 3-Year EBITDA Growth Rate Related Terms
FRA:T36 vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Novina Pozyczkihipoteczne.Eu's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Novina Pozyczkihipoteczne.Eu's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Novina Pozyczkihipoteczne.Eu's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 10.40% mean?
Novina Pozyczkihipoteczne.Eu (FRA:T36) has a 3-Year EBITDA Growth Rate of 10.40% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Novina Pozyczkihipoteczne.Eu and its competitors. This is 76% below median its historical median of 43.85. Over the past decade, Novina Pozyczkihipoteczne.Eu's 3-Year EBITDA Growth Rate has ranged from 10.40 to 172.30. According to the industry distribution chart, Novina Pozyczkihipoteczne.Eu ranks #172 out of 333 companies in the Credit Services industry, placing it in the top 51.7%.
Is Novina Pozyczkihipoteczne.Eu's 3-Year EBITDA Growth Rate too high?
Novina Pozyczkihipoteczne.Eu's current 3-Year EBITDA Growth Rate of 10.40% is 76% below median its 10-year median of 43.85. Over the past 10 years, this metric has ranged from a low of 10.40 to a high of 172.30. The Credit Services industry median 3-Year EBITDA Growth Rate is 11.80. Novina Pozyczkihipoteczne.Eu's value of 10.40% is 11.9% below this industry median. Based on the distribution chart, Novina Pozyczkihipoteczne.Eu ranks #172 out of 333 companies in the Credit Services industry, which is below the industry midpoint. Overall, Novina Pozyczkihipoteczne.Eu has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does Novina Pozyczkihipoteczne.Eu's 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Novina Pozyczkihipoteczne.Eu ranks #172 out of 333 companies for 3-Year EBITDA Growth Rate. This places Novina Pozyczkihipoteczne.Eu in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 11.80. Novina Pozyczkihipoteczne.Eu's value of 10.40% is 11.9% below this benchmark. Historically, Novina Pozyczkihipoteczne.Eu's own 3-Year EBITDA Growth Rate has ranged from 10.40 to 172.30 over the past decade. While the company's 10-year median is 43.85 vs. the industry median of 11.80, Novina Pozyczkihipoteczne.Eu 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 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 11.80, based on 333 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Novina Pozyczkihipoteczne.Eu's current 3-Year EBITDA Growth Rate of 10.40% is 11.9% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Novina Pozyczkihipoteczne.Eu and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 11.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Novina Pozyczkihipoteczne.Eu's current 3-Year EBITDA Growth Rate is 10.40%, which is 76% below median its own 10-year median of 43.85. 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?
Novina Pozyczkihipoteczne.Eu (FRA:T36) has a current 3-Year EBITDA Growth Rate of 10.40%. The stock's GF Value™ is €0.21, compared to a current price of €0.13 — trading 37.1% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 10.40%, which is 76% below median its 10-year median of 43.85 and 11.9% below the Credit Services industry median of 11.80. Novina Pozyczkihipoteczne.Eu's overall GF Score™ is 86/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Novina Pozyczkihipoteczne.Eu (FRA:T36), the current 3-Year EBITDA Growth Rate is 10.40% as of Jun. 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 (FRA:T36) Overvalued in 2026?
Based on GuruFocus' analysis, Novina Pozyczkihipoteczne.Eu stock appears to be undervalued.
The current stock price of €0.13 is trading 37.1% below its estimated GF Value™ of €0.21.
Key valuation signals for FRA:T36:
3-Year EBITDA Growth Rate: 10.40% (76% below median its 10-year median of 43.85)
GF Value™: €0.21 vs. price of €0.13 (37.1% below fair value)
Industry Position: 11.9% below the Credit Services median (#172 of 333)
No single metric tells the full story. See the FRA:T36 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
86GF Score
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