YOLFTbeta
Pragma Inkaso S.A.

Pragma Inkaso S.A.

PRI · WAR · Financial Services / Credit Services

3.84PLN+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close3.84
Open3.84
Day Range3.84 – 3.84
52-Week Range2.70 – 3.84
Volume25
Market Cap13.98M
P/E (TTM)0.00
Forward P/E0.00
EPS-1.38
Dividend Yield0.00%
Beta0.08
50-Day Avg3.69
200-Day Avg3.21

About

NPL Nova S.A. provides debt collection and financing services in Poland. It provides financing in the form of factoring and loans. The company also engages in fund management activities, provides legal services, and offers services for securitization funds. In addition, it rents real estate properties and offers other financial services. The company was formerly known as Pragma Inkaso S.A. and changed its name to NPL Nova S.A. in July 2021. NPL Nova S.A. was founded in 2002 and is headquartered in Tarnowskie Góry, Poland.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Michal Kolmasiak
  • Employees15
  • Headquartersul. Czarnohucka 3, Tarnowskie Góry, Poland, 42-600, Poland
  • Websitehttps://nplnova.pl

Leadership

  • Mr. Michal KolmasiakPresident of the Management Board

Financials

Income Statement

Currency: PLN2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue88.06M124.23M326.33M352.65M399.54M511.45M572.21M34.92M40.88M43.09M35.77M2.35M4.07M2.13M4.19M1.45M3.46M
Growth (%)-+41.07%+162.69%+8.07%+13.30%+28.01%+11.88%-93.90%+17.07%+5.42%-17.00%-93.44%+73.60%-47.65%+96.56%-65.49%+139.19%
Cost of Revenue75.68M108.43M306.83M330.52M383.62M490.24M549.31M16.84M19.50M21.33M40.15M6.64M2.06M2.29M1.75M2.02M3.77M
Gross Profit12.38M15.80M19.50M22.13M15.92M21.21M22.90M18.08M21.38M21.76M-4.38M-4.29M2.02M-158.54K2.44M-576.52K-316.18K
Gross Margin14.06%12.72%5.98%6.28%3.98%4.15%4.00%51.77%52.29%50.50%-12.24%-182.96%49.49%-7.44%58.19%-39.87%-9.14%
Operating Expense7.11M9.86M6.04M25.11M3.64M8.60M13.68M5.29M8.58M12.42M-11.44M-389.51K3.06M1.63M3.22M521.71K1.60M
Operating Income5.27M5.93M13.47M-2.98M12.28M12.61M9.22M12.79M12.80M9.34M7.07M-3.90M-1.04M-1.79M-783.00K-1.10M-1.92M
Operating Margin5.98%4.77%4.13%-0.85%3.07%2.47%1.61%36.63%31.31%21.68%19.75%-166.36%-25.56%-84.12%-18.69%-75.95%-55.47%
EBITDA5.49M6.49M11.38M14.09M7.29M12.52M12.52M5.09M6.09M786.41K-21.47M-7.95M734.11K-1.14M-704.22K-473.93K-970.08K
EBITDA Margin6.23%5.22%3.49%4.00%1.82%2.45%2.19%14.58%14.89%1.82%-60.02%-339.01%18.03%-53.41%-16.81%-32.78%-28.05%
Net Income3.83M4.13M6.20M9.20M3.51M2.37M571.84K2.59M3.24M-504.82K-11.32M-7.22M-3.57M-2.26M-1.14M-998.96K-4.35M
Net Income Margin4.35%3.32%1.90%2.61%0.88%0.46%0.10%7.43%7.94%-1.17%-31.66%-307.92%-87.69%-105.84%-27.22%-69.09%-125.76%
R&D-------0.010.120.01-------
R&D as % of Total Revenue-------0.00%0.00%0.00%-------
Interest Expense498.37K857.85K315.27K139.77K206.36K493.88K661.12K2.04M50.00K50.00K13.34M4.75M712.76K310.15K--106.01K
Interest Expense % of Total Revenue0.57%0.69%0.10%0.04%0.05%0.10%0.12%5.85%0.12%0.12%37.30%202.57%17.50%14.55%--3.07%

Balance Sheet

Currency: PLN2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets28.93M74.15M143.69M159.24M188.86M175.16M186.30M228.27M270.03M257.99M187.30M160.72M39.83M75.07M73.48M33.37M29.93M
Total Liabilities13.19M50.33M89.84M99.06M128.70M117.74M126.12M158.73M196.31M193.71M136.33M126.54M13.83M51.32M51.04M11.94M12.85M
Total Equity15.74M23.82M46.28M52.35M52.05M50.58M46.67M49.75M55.32M45.02M41.72M26.10M26.00M23.74M22.43M21.42M17.07M
Cash3.34M40.61M15.63M4.98M7.51M4.97M13.92M10.04M8.46M6.93M10.86M3.95M2.71M4.30M2.75M1.33M486.52K
Total Debt4.98M26.46M81.17M90.07M117.76M107.17M104.72M130.29M162.82M162.02M106.14M27.83M8.03M7.32M2.88M2.50M2.21M
Net Debt1.64M-14.15M65.54M85.09M110.24M102.20M90.80M120.25M154.36M155.09M95.28M23.88M5.32M3.02M133.22K1.16M1.73M

Cash Flow

Currency: PLN2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.48M1.66M13.08M18.73M8.94M31.92M29.10M-15.08M-29.57M2.25M72.96M5.03M-9.44M873.29K-2.03M-738.72K-1.13M
Investing Cash Flow-7.82M-3.20M-70.76M-25.10M-4.32M-9.61M-3.66M-13.99M876.16K2.85M4.29M-5.69M33.04M1.88M4.96M-54.60K919.38K
Financing Cash Flow5.86M38.81M32.70M-4.27M-2.09M-24.86M-16.39M25.47M26.98M-6.63M-73.32M-6.25M-24.84M-1.16M-4.48M-619.73K-633.41K
Capital Expenditure4.32M1.83M798.83K1.15M530.80K2.49M807.63K2.07M2.43M4.81M1.93M1.41M61.19K30.93K3.50K54.60K71.32K
Free Cash Flow-1.84M-172.47K12.28M17.57M8.41M29.43M28.30M-17.15M-32.01M-2.56M71.03M3.63M-9.50M842.36K-2.04M-793.32K-1.20M
Dividends Paid--2.16M3.97M4.90M3.68M4.34M21.45K-12.24K777.48K2.02M3.39M----
FCF to OCF-73.92%-10.39%93.89%93.83%94.06%92.20%97.23%113.74%108.22%-113.67%97.36%72.05%100.65%96.46%100.17%107.39%106.30%
Dividend Paid to FCF--17.58%22.58%58.24%12.50%15.34%-0.13%--0.48%1.09%55.76%-35.70%----

Earnings

Report DateMar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Mar 31, 2021Jun 30, 2021Sep 30, 2021Dec 31, 2021Mar 31, 2022Jun 30, 2022Sep 30, 2022Dec 31, 2022Mar 31, 2023Jun 30, 2023Sep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026
EPS Estimate----------------------------------------------------------------
EPS Actual0.410.380.400.280.310.600.490.350.520.570.710.690.290.380.47-0.050.370.160.35-0.230.290.41-1.060.510.340.130.30-0.06-0.11-0.130.400.720.230.150.13-0.652.07-0.490.07-4.720.02-0.89-0.20-0.380.23-0.09-0.73-0.130.37-0.13-0.730.09-0.19-0.08-0.140.00-0.07-0.09-0.120.08-0.33-0.15-0.79-0.11
Surprise----------------------------------------------------------------
Timing----------------------------------------------------------------

Key Statistics & Ratios

Market Cap13.98M
Enterprise Value14.85M
Trailing P/E0.00
Forward P/E0.00
Price / Sales4.53
Price / Book0.83
EPS-1.38
Book Value4.53
Revenue (TTM)3.09M
Gross Profit (TTM)1.31M
EBITDA-2.11M
Profit Margin-164.38%
Operating Margin-65.58%
Return on Equity-26.47%
Return on Assets-5.50%
Shares Outstanding3.68M
Shares Float3.04M
Beta0.08
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Dividends

20211×
1.77Oct 18, 2021
20151×
1.00Jul 13, 2015
20141×
1.00Jul 1, 2014
20131×
1.09Jun 26, 2013
20121×
0.84Jun 28, 2012