Novina Pozyczkihipoteczne.EuWAR:NOV +0.33%69 EV-to-FCF is 7.04 as of Jul. 11, 2026, which is 58% above its 10-year median of 4.45. 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. Among 264 Credit Services companies, Novina Pozyczkihipoteczne.Eu ranks better than 64.02% on this metric.
The historical rank and industry rank for Novina Pozyczkihipoteczne.Eu's EV-to-FCF or its related term are showing as below:
WAR:NOV'
s EV-to-FCF Range Over the Past 10 Years
Min: -17.58 Med: 4.45 Max: 45.55
Current: 7.14
During the past 11 years, the highest EV-to-FCF of Novina Pozyczkihipoteczne.Eu was 45.55. The lowest was -17.58. And the median was 4.45.
WAR:NOV's EV-to-FCF is ranked better than 64.02% of 264
companies
in the Credit Services industry
Industry Median: 13.28
vs WAR:NOV: 7.14
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Novina Pozyczkihipoteczne.Eu's PE Ratio (TTM) for today is calculated as:
Novina Pozyczkihipoteczne.Eu's share price for today is zł0.61.
Novina Pozyczkihipoteczne.Eu's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł0.025.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Novina Pozyczkihipoteczne.Eu EV-to-FCF Related Terms
Novina Pozyczkihipoteczne.Eu EV-to-FCF Historical Data
* 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, Novina Pozyczkihipoteczne.Eu's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Novina Pozyczkihipoteczne.Eu's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Novina Pozyczkihipoteczne.Eu's EV-to-FCF falls into.
Novina Pozyczkihipoteczne.Eu's current Enterprise Value is zł24.36 Mil.
Novina Pozyczkihipoteczne.Eu's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł3.46 Mil.
* 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 (WAR:NOV) has a EV-to-FCF of 7.04 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Novina Pozyczkihipoteczne.Eu and its competitors. This is 58% above median its historical median of 4.45. According to the industry distribution chart, Novina Pozyczkihipoteczne.Eu ranks #95 out of 264 companies in the Credit Services industry, placing it in the top 36%.
Is Novina Pozyczkihipoteczne.Eu's EV-to-FCF too high?
Novina Pozyczkihipoteczne.Eu's current EV-to-FCF of 7.04 is 58% above median its 10-year median of 4.45. The Credit Services industry median EV-to-FCF is 13.28. Novina Pozyczkihipoteczne.Eu's value of 7.04 is 47% below this industry median. Based on the distribution chart, Novina Pozyczkihipoteczne.Eu ranks #95 out of 264 companies in the Credit Services industry, which is above the industry midpoint. 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 EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Novina Pozyczkihipoteczne.Eu ranks #95 out of 264 companies for EV-to-FCF. This puts Novina Pozyczkihipoteczne.Eu in the upper half of its industry. The industry median EV-to-FCF is 13.28. Novina Pozyczkihipoteczne.Eu's value of 7.04 is 47% below this benchmark. While the company's 10-year median is 4.45 vs. the industry median of 13.28, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.28, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Novina Pozyczkihipoteczne.Eu's current EV-to-FCF of 7.04 is 47% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Novina Pozyczkihipoteczne.Eu and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Novina Pozyczkihipoteczne.Eu's current EV-to-FCF is 7.04, which is 58% above median its own 10-year median of 4.45. 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 EV-to-FCF is 7.04, which is 58% above median its 10-year median of 4.45 and 47% below the Credit Services industry median of 13.28. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Novina Pozyczkihipoteczne.Eu (WAR:NOV), the current EV-to-FCF is 7.04 as of Jul. 11, 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:
EV-to-FCF: 7.04 (58% above median its 10-year median of 4.45)
GF Value™: zł0.89 vs. price of zł0.61 (31.5% below fair value)
Industry Position: 47% below the Credit Services median (#95 of 264)
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 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
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