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    Commercial services

  3. •

    Miscellaneous commercial services
NPL Nova S.A.

NPL Nova S.A.

GGPW:PRI
3.88
PLN
0.00
(0.00%)
-0.96EPS
10.45MMarket Cap
NPL Nova S.A.
GPW:PRI
(Warsaw Stock Exchange)

Recent

price

3.88

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
PLN
45.76
88.68
95.83
108.57
138.98
155.49
9.49
11.11
11.71
9.72
0.64
1.11
0.58
0.41
1.18
1.19
1.18
Revenue per Share
1.52
1.68
2.5
0.95
0.64
0.16
0.71
0.88
-0.14
-3.08
-1.96
-0.97
-0.61
-0.31
-0.27
-1.18
-0.96
Basic EPS, GAAP
-0.06
3.34
4.77
2.29
8
7.69
-4.66
-8.7
-0.7
19.3
0.99
-2.58
0.23
-0.57
-0.22
-0.33
-0.42
Free Cash Flow per Basic Share
- -
0.59
1.08
1.33
1
1.18
0.01
- -
- -
0.21
0.55
0.92
- -
- -
- -
- -
- -
Dividend per Share
8.63
12.58
14.15
14.01
13.74
12.68
13.52
15.03
12.23
11.34
7.09
7.07
6.45
6.1
5.82
4.64
4.53
Book Value per Share
8.43
10.35
11.89
11.72
11.35
10.16
10.58
11.21
7.47
7.65
7.01
7
6.4
6.06
5.8
4.63
4.52
Tangible Book Value per Share
3
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
Basic Weighted Avg Shares
124
326
353
400
511
572
35
41
43
36
2
4
2
1
4
4
4
Sales/Revenue/Turnover
4.77
3.2
3.72
1.58
2.28
2.04
19.37
18.21
12.84
-64.62
-366.67
1.98
-82.84
-80.22
-25.99
-19.99
-1.26
Operating Margin (%)
1
1
1
1
1
1
1
1
1
2
1
1
1
1
1
1
1
Depreciation Expense
4
6
9
4
2
1
3
3
-1
-11
-7
-4
-2
-1
-1
-4
-4
Net Income, GAAP
18.66
18.49
19.68
2.32
32.84
17.52
4.97
25.23
- -
- -
- -
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
3.32
1.9
2.61
0.88
0.46
0.1
7.43
7.94
-1.17
-31.66
-307.92
-87.69
-105.84
-76.13
-22.95
-99.45
-81.28
Profit Margin (%)
59
84
76
87
80
72
109
126
100
88
-113
3
3
6
5
4
3
Working Capital
24
47
38
55
49
46
91
120
114
82
4
4
3
2
2
2
1
LT Debt
24
54
60
60
57
60
70
74
64
51
34
26
24
22
21
17
17
Total Equity
13.47
11.77
-1.67
7.3
4.93
4.59
6.66
4.39
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
11.63
5.75
5.72
1.77
1.18
-0.39
0.72
1.24
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
20.86
17.68
18.7
6.77
4.63
1.18
5.38
6.18
-1.01
-26.11
-21.3
-13.71
-9.07
-4.94
-4.56
-22.6
-18.58
Return on Common Equity (%)

Capital Structure

PLN

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
1
1
1
LT Borrowings
- -
- -
- -
LT Finance Leases
2
2
1
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
4
4
Market Capitalization
11
11
10

Working Capital

PLN

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
14
15
14
Cash, Cash Equivalents & STI
1
- -
1
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
10
11
11
Payables & Accruals
- -
- -
- -
ST Debt
1
1
1
Deferred Revenue
- -
- -
- -

Growth Rates

PLN

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-10.78%
-12.59%
-20.3%
Free Cash Flow
-396.75%
-166.03%
51.73%
Net Income, GAAP
255.6%
37.23%
335.39%
Sales/Revenue/Turnover
0.54%
37.44%
0.48%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1
- -
- -
- -
4
2025
1
- -
- -
3
4
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
-0.07
-0.09
-0.12
-0.27
2025
0.08
- -
-0.15
-0.79
-1.18
2026
-0.11
- -
- -
- -
- -

Quarterly Dividends Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Pragma Inkaso S.A., founded in 2002 and headquartered in Tarnowskie Góry, Poland, operates primarily in the financial services sector specializing in debt collection, receivables management, and financing services. The company provides a comprehensive range of products including debt enforcement, factoring, loans, discounting invoices, asset liquidation, debt restructuring, bankruptcy proceedings, and valuation of mortgage securities. It serves corporate, SME, and mortgage portfolio clients predominantly within the Polish market. Pragma Inkaso also engages in fund management activities and rents commercial and industrial real estate properties. In recent developments, Pragma Inkaso underwent a significant rebranding to Npl Nova S.A., reflecting its refined specialization in servicing and investing in bank receivables secured by mortgages. Strategic divestments include the sale of a controlling stake in PragmaGO S.A. to Polish Enterprise Fund VIII managed by Enterprise Investors Corporation, completed in early 2021. Additionally, the company has been active in acquiring debt portfolios, with recent transactions valued at over 265 million zlotys, enhancing its market position in debt trading within the B2B segment. This strategic focus is supported by a portfolio consolidation and digital transformation approach through PragmaGO, a subsidiary oriented toward factoring services for micro and small businesses. Pragma Inkaso’s operations emphasize technological integration and digital innovation to optimize debt recovery and financing solutions. The company targets a diverse client base across the financial and commercial sectors in Poland, adhering to a growth strategy rooted in portfolio acquisition, technological advancement, and strategic partnerships. Its management under CEO Michal Kolmasiak continues to drive expansion in specialized finance products and servicing capabilities. Overall, Pragma Inkaso S.A. positions itself as a leading credit services provider in Poland with a growing focus on mortgage-backed receivables, integrated debt management services, and financial product innovation, operating within a regulatory environment conducive to portfolio investment and asset servicing.