Noble Financials SA

IBS · WAR · Real Estate / Real Estate Services

56.40PLN-2.00 (-3.42%)

Price History

Full chart

Market Stats

Previous Close58.40

Open56.60

Day Range53.00 – 58.00

52-Week Range46.70 – 79.80

Volume16

Market Cap24.37M

P/E (TTM)0.00

Forward P/E0.00

EPS-9.36

Dividend Yield0.00%

Beta-1.15

50-Day Avg56.68

200-Day Avg67.29

About

WISE Finance S.A. provides financial solutions in Poland. The company finances working capital, capital expenditures, mergers and acquisitions, and management buyouts through solutions, including debt financing, convertible debts, equity investments, mezzanine financing, and financial and strategic advisory solutions. It also focuses on car fleet management, such as short- and long-term vehicle rental, leasing, and vehicle fleet management solutions. The company serves deep sector knowledge, real estate, energy and renewable energy, transport and logistics, manufacturing, fitness and wellness, telecommunications, and new technologies industries. The company was formerly known as Noble Financials S.A. and changed its name to WISE Finance S.A. in March 2023. WISE Finance S.A. was incorporated in 2008 and is headquartered in Warsaw, Poland.

Company Details

SectorReal Estate
IndustryReal Estate Services
CEOMr. Michal Mirecki
Employees1
Headquarters27 Adama Naruszewicza Street, Unit 2, Warsaw, Poland, 02-627, Poland
Websitehttps://wisefinance.pl

Leadership

Mr. Michal MireckiPresident of Management Board

Financials

Income Statement

Currency: PLN	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	6.38M	8.47M	4.37M	10.68M	88.53M	1.61M	472.00K	1.05M	212.00K	283.00K	11.00K	2.00K	3.84M	18.85M	16.63M	16.79M	18.43M
Growth (%)	-	+32.59%	-48.44%	+144.72%	+728.78%	-98.18%	-70.67%	+121.61%	-79.73%	+33.49%	-96.11%	-81.82%	+192100.00%	+390.48%	-11.79%	+0.94%	+9.80%
Cost of Revenue	4.92M	7.02M	5.08M	8.08M	39.49M	311.00K	3.00K	8.00K	251.00K	75.00K	0	1.00K	1.01M	10.73M	5.16M	95.00K	125.00K
Gross Profit	1.47M	1.45M	-151.00K	2.61M	49.04M	1.66M	430.00K	1.04M	-39.00K	208.00K	11.00K	-1.00K	2.83M	8.12M	11.47M	16.69M	18.31M
Gross Margin	22.98%	17.09%	-3.46%	24.40%	55.40%	103.23%	91.10%	99.24%	-18.40%	73.50%	100.00%	-50.00%	73.67%	43.07%	68.96%	99.43%	99.32%
Operating Expense	1.11M	1.98M	-51.29M	-7.51M	-1.75M	3.04M	982.00K	357.00K	-42.00K	399.00K	454.00K	4.00K	1.33M	4.64M	13.22M	16.44M	22.53M
Operating Income	356.00K	-537.00K	51.14M	10.12M	50.79M	-1.38M	-552.00K	681.00K	3.00K	-191.00K	-443.00K	-5.00K	1.50M	3.48M	-1.75M	255.00K	-4.22M
Operating Margin	5.58%	-6.34%	1171.52%	94.75%	57.37%	-85.71%	-116.95%	65.11%	1.42%	-67.49%	-4027.27%	-250.00%	39.05%	18.44%	-10.55%	1.52%	-22.89%
EBITDA	367.00K	-519.00K	48.30M	20.98M	60.05M	-16.98M	55.50M	664.00K	519.00K	-1.41M	-441.00K	-4.00K	1.50M	24.40M	623.00K	9.74M	-1.71M
EBITDA Margin	5.75%	-6.13%	1106.62%	196.37%	67.84%	-1055.07%	11757.63%	63.48%	244.81%	-499.65%	-4009.09%	-200.00%	39.08%	129.43%	3.75%	58.00%	-9.30%
Net Income	-1.32M	2.31M	37.11M	13.31M	39.47M	-404.88M	32.79M	-24.09M	2.49M	-1.81M	3.80M	-23.04M	32.58M	23.18M	13.01M	2.46M	-5.68M
Net Income Margin	-20.64%	27.30%	850.15%	124.57%	44.59%	-25163.52%	6946.19%	-2302.58%	1174.06%	-638.16%	34518.18%	-1151900.00%	847.50%	122.94%	78.23%	14.67%	-30.82%
R&D	-	-	-	-	-	-	-	-	11.74	6.38	345.18	-	8.44	-	-	-	-
R&D as % of Total Revenue	-	-	-	-	-	-	-	-	0.01%	0.00%	3.14%	-	0.00%	-	-	-	-
Interest Expense	1.61M	4.12M	2.29M	3.79M	4.28M	2.31M	1.61M	2.13M	0	390.00K	219.00K	31.00K	539.00K	544.00K	1.56M	5.31M	2.46M
Interest Expense % of Total Revenue	25.29%	48.69%	52.53%	35.51%	4.84%	143.38%	341.53%	204.11%	0.00%	137.81%	1990.91%	1550.00%	14.02%	2.89%	9.38%	31.62%	13.34%

Balance Sheet

Currency: PLN	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	58.98M	442.99M	584.37M	660.75M	622.74M	159.85M	46.12M	13.64M	914.00K	13.48M	21.91M	887.00K	40.74M	87.54M	122.53M	126.76M	105.60M
Total Liabilities	26.32M	408.00M	238.49M	324.02M	255.05M	155.43M	38.09M	29.69M	69.86M	28.84M	33.48M	35.49M	35.27M	58.89M	80.87M	85.61M	70.14M
Total Equity	32.67M	34.99M	345.88M	336.73M	367.69M	4.42M	8.03M	-16.05M	11.53M	-15.37M	-11.57M	-34.61M	5.47M	28.65M	41.66M	41.14M	35.46M
Cash	819.00K	1.15M	5.23M	6.74M	2.73M	157.00K	49.00K	7.00K	6.00K	6.00K	331.00K	6.00K	10.00K	742.00K	210.00K	3.10M	770.00K
Total Debt	24.04M	43.63M	71.19M	90.58M	70.68M	63.50M	36.44M	29.44M	24.81M	25.54M	25.81M	28.08M	29.25M	47.08M	66.59M	77.61M	57.86M
Net Debt	23.22M	42.47M	65.96M	83.83M	67.95M	63.34M	36.39M	29.43M	24.81M	25.53M	25.48M	28.08M	28.02M	42.72M	64.34M	74.51M	57.09M

Cash Flow

Currency: PLN	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	1.78M	-1.59M	-15.00M	-11.30M	4.12M	8.37M	-553.00K	593.00K	97.00K	436.00K	70.00K	-301.00K	-2.72M	3.24M	2.64M	13.83M	1.21M
Investing Cash Flow	-3.07M	1.61M	-15.43M	-270.00K	-2.14M	-12.26M	5.43M	5.25M	1.34M	356.00K	1.20M	255.00K	-3.28M	-32.75M	-23.28M	-12.23M	1.51M
Financing Cash Flow	-766.00K	314.00K	34.50M	13.09M	-6.00M	1.32M	-4.98M	-5.88M	-1.44M	-792.00K	-945.00K	-279.00K	6.00M	30.25M	20.11M	1.29M	-5.05M
Capital Expenditure	91.00K	0	77.00K	9.00K	17.00K	23.00K	4.00K	0	0	0	0	0	32.34M	42.00M	1.00K	162.00K	741.00K
Free Cash Flow	1.69M	-1.59M	-15.07M	-11.31M	4.11M	8.35M	-557.00K	593.00K	97.00K	436.00K	70.00K	-301.00K	-35.06M	-38.77M	2.64M	13.67M	473.00K
FCF to OCF	94.88%	100.00%	100.51%	100.08%	99.59%	99.73%	100.72%	100.00%	100.00%	100.00%	100.00%	100.00%	1290.91%	-1197.93%	99.96%	98.83%	38.96%

Earnings

Report Date	Mar 31, 2011	Jun 30, 2011	Sep 30, 2011	Dec 31, 2011	Mar 31, 2012	Jun 30, 2012	Sep 30, 2012	Dec 31, 2012	Mar 31, 2013	Jun 30, 2013	Sep 30, 2013	Dec 31, 2013	Mar 31, 2014	Jun 30, 2014	Sep 30, 2014	Dec 31, 2014	Mar 31, 2015	Jun 30, 2015	Sep 30, 2015	Mar 31, 2016	Jun 30, 2016	Sep 30, 2016	Dec 31, 2016	Mar 31, 2017	Jun 30, 2017	Sep 30, 2017	Dec 31, 2017	Mar 31, 2018	Jun 30, 2018	Sep 30, 2018	Dec 31, 2018	Mar 31, 2019	Jun 30, 2019	Sep 30, 2019	Dec 31, 2019	Mar 31, 2020	Sep 30, 2020	Dec 31, 2020	Mar 31, 2021	Jun 30, 2021	Sep 30, 2021	Dec 31, 2021	Mar 31, 2022	Jun 30, 2022	Sep 30, 2022	Dec 31, 2022	Mar 31, 2023	Jun 30, 2023	Sep 30, 2023	Dec 31, 2023	Mar 31, 2024	Jun 30, 2024	Sep 30, 2024	Dec 31, 2024	Mar 31, 2025	Jun 30, 2025	Sep 30, 2025	Dec 31, 2025	Mar 31, 2026	Jun 30, 2026
EPS Estimate	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EPS Actual	382.80	3.08	-9.12	1.47	15.58	13.41	11.46	0.86	-9.82	-23.90	-8.81	165.46	-21.45	3.18	-11.84	-1129.70	-25.74	-16.31	-11.98	0.90	-2.57	2.78	-2.12	3.46	-0.62	1.81	2.48	0.36	-3.73	0.35	-2.15	-0.79	-8.80	-2.25	22.72	-5.15	1.25	-62.06	2.41	15.89	50.74	22.98	12.04	15.49	22.22	10.17	7.97	17.84	4.36	3.47	5.54	-0.94	3.42	-2.59	2.92	-9.06	4.37	-12.92	8.26	3.72
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Key Statistics & Ratios

Market Cap24.37M

Enterprise Value83.39M

Trailing P/E0.00

Forward P/E0.00

Price / Sales2.37

Price / Book0.66

EPS-9.36

Book Value91.68

Revenue (TTM)10.29M

Gross Profit (TTM)9.64M

EBITDA2.06M

Profit Margin12.88%

Operating Margin44.12%

Return on Equity3.36%

Return on Assets0.48%

Shares Outstanding386.77K

Shares Float41.81K

Beta-1.15

Dividend Yield0.00%

Dividend Rate0.00

Payout Ratio0.00%

Stock Splits

Oct 28, 20151:40
Apr 17, 20141:50