Novina Pozyczkihipoteczne.EuWAR:NOV +0.33%69 Operating Margin % is 46.34% as of Mar. 2026, which is 25% below its 10-year median of 61.64. 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 412 Credit Services companies, Novina Pozyczkihipoteczne.Eu ranks better than 86.41% on this metric.
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Novina Pozyczkihipoteczne.Eu Operating Margin % Related Terms
Novina Pozyczkihipoteczne.Eu Operating Margin % 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.
WAR:NOV vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Novina Pozyczkihipoteczne.Eu's Operating Margin %, along with its competitors' market caps and Operating Margin % 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Novina Pozyczkihipoteczne.Eu's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Novina Pozyczkihipoteczne.Eu's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
* 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 Operating Margin % of 46.34% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Novina Pozyczkihipoteczne.Eu and its competitors. This is 25% below median its historical median of 61.64. According to the industry distribution chart, Novina Pozyczkihipoteczne.Eu ranks #56 out of 412 companies in the Credit Services industry, placing it in the top 13.6%.
Is Novina Pozyczkihipoteczne.Eu's Operating Margin % too high?
Novina Pozyczkihipoteczne.Eu's current Operating Margin % of 46.34% is 25% below median its 10-year median of 61.64. The Credit Services industry median Operating Margin % is 17.63. Novina Pozyczkihipoteczne.Eu's value of 46.34% is 162.9% above this industry median. Based on the distribution chart, Novina Pozyczkihipoteczne.Eu ranks #56 out of 412 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Novina Pozyczkihipoteczne.Eu ranks #56 out of 412 companies for Operating Margin %. This places Novina Pozyczkihipoteczne.Eu in the top 14% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.63. Novina Pozyczkihipoteczne.Eu's value of 46.34% is 162.9% above this benchmark. While the company's 10-year median is 61.64 vs. the industry median of 17.63, Novina Pozyczkihipoteczne.Eu has consistently been above 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.63, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Novina Pozyczkihipoteczne.Eu's current Operating Margin % of 46.34% is 162.9% above 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Novina Pozyczkihipoteczne.Eu and its competitors. For the Credit Services industry, the median Operating Margin % is 17.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Novina Pozyczkihipoteczne.Eu's current Operating Margin % is 46.34%, which is 25% below median its own 10-year median of 61.64. 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 Operating Margin % is 46.34%, which is 25% below median its 10-year median of 61.64 and 162.9% above the Credit Services industry median of 17.63. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Novina Pozyczkihipoteczne.Eu (WAR:NOV), the current Operating Margin % is 46.34% 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:
Operating Margin %: 46.34% (25% below median its 10-year median of 61.64)
GF Value™: zł0.89 vs. price of zł0.61 (31.5% below fair value)
Industry Position: 162.9% above the Credit Services median (#56 of 412)
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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