Novina Pozyczkihipoteczne.EuWAR:NOV +0.33%69 PB Ratio is 0.82 as of Jul. 11, 2026, which is 11% below its 10-year median of 0.92. 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 523 Credit Services companies, Novina Pozyczkihipoteczne.Eu ranks better than 62.14% on this metric.
The historical rank and industry rank for Novina Pozyczkihipoteczne.Eu's PB Ratio or its related term are showing as below:
WAR:NOV'
s PB Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.92 Max: 4.78
Current: 0.82
During the past 11 years, Novina Pozyczkihipoteczne.Eu's highest PB Ratio was 4.78. The lowest was 0.10. And the median was 0.92.
WAR:NOV's PB Ratio is ranked better than 62.14% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs WAR:NOV: 0.82
During the past 12 months, Novina Pozyczkihipoteczne.Eu's average Book Value Per Share Growth Rate was -8.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 16.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 23.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -0.70% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Novina Pozyczkihipoteczne.Eu was 30.40% per year. The lowest was -60.60% per year. And the median was 20.00% per year.
Back to Basics: PB Ratio
Novina Pozyczkihipoteczne.Eu (WAR:NOV) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Novina Pozyczkihipoteczne.Eu PB Ratio Related Terms
Novina Pozyczkihipoteczne.Eu PB Ratio 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 PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Novina Pozyczkihipoteczne.Eu's PB Ratio distribution charts can be found below:
* The bar in red indicates where Novina Pozyczkihipoteczne.Eu's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Novina Pozyczkihipoteczne.Eu (WAR:NOV) has a PB Ratio of 0.82 as of Jul. 11, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Novina Pozyczkihipoteczne.Eu and its competitors. This is 11% below median its historical median of 0.92. Over the past decade, Novina Pozyczkihipoteczne.Eu's PB Ratio has ranged from 0.10 to 4.78. According to the industry distribution chart, Novina Pozyczkihipoteczne.Eu ranks #198 out of 523 companies in the Credit Services industry, placing it in the top 37.9%.
Is Novina Pozyczkihipoteczne.Eu's PB Ratio too high?
Novina Pozyczkihipoteczne.Eu's current PB Ratio of 0.82 is 11% below median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 4.78. The Credit Services industry median PB Ratio is 1.06. Novina Pozyczkihipoteczne.Eu's value of 0.82 is 22.6% below this industry median. Based on the distribution chart, Novina Pozyczkihipoteczne.Eu ranks #198 out of 523 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Novina Pozyczkihipoteczne.Eu ranks #198 out of 523 companies for PB Ratio. This puts Novina Pozyczkihipoteczne.Eu in the upper half of its industry. The industry median PB Ratio is 1.06. Novina Pozyczkihipoteczne.Eu's value of 0.82 is 22.6% below this benchmark. Historically, Novina Pozyczkihipoteczne.Eu's own PB Ratio has ranged from 0.10 to 4.78 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Novina Pozyczkihipoteczne.Eu's current PB Ratio of 0.82 is 22.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Novina Pozyczkihipoteczne.Eu and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Novina Pozyczkihipoteczne.Eu's current PB Ratio is 0.82, which is 11% below median its own 10-year median of 0.92. 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 PB Ratio is 0.82, which is 11% below median its 10-year median of 0.92 and 22.6% below the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Novina Pozyczkihipoteczne.Eu (WAR:NOV), the current PB Ratio is 0.82 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:
PB Ratio: 0.82 (11% below median its 10-year median of 0.92)
GF Value™: zł0.89 vs. price of zł0.61 (31.5% below fair value)
Industry Position: 22.6% below the Credit Services median (#198 of 523)
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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