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Key financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | PLN m | 1,161 | 1,202 | 1,488 | 1,795 | 2,204 | 2,502 | 2,601 | 3,355 |
| Operating profit | PLN m | 2,134 | 2,111 | ||||||
| Net profit | PLN m | 81 | 695 | 805 | 984 | 1,074 | 1,085 | 1,056 | 1,184 |
| EPS reported | PLN | 52.99 | 51.02 | ||||||
| Operating cashflow per share | PLN | 59.94 | 63.57 | ||||||
| Capex per share | PLN | 4.81 | 6.07 | ||||||
| FCF per share | PLN | 55.13 | 57.50 | ||||||
| Free cash flow | PLN m | 1,070 | 1,123 | ||||||
| Net debt | PLN m | 3,785 | 7,151 | ||||||
| Book value equity | PLN m | 5,326 | 5,525 | ||||||
| Book value per share | PLN | 260.1 | 266.1 | ||||||
| Number of shares | m | 20.48 | 20.76 | ||||||
| DPS (TTM paid) | PLN | 38.00 | 20.00 |
Financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.31 | 6.61 | ||||||
| P/B LTM | x | 1.80 | 1.23 | ||||||
| P/S LTM | x | 3.83 | 2.61 | ||||||
| P/FCF LTM | x | 8.95 | 6.06 | ||||||
| EV/EBITDA LTM | x | 9.60 | 7.93 | ||||||
| EV/Sales LTM | x | 6.66 | 5.36 | ||||||
| Earnings Yield LTM | % | 10.74% | 15.13% | ||||||
| FCF Yield | % | 11.17% | 16.51% | ||||||
| Quality | |||||||||
| ROE | % | 20.37% | 19.58% | ||||||
| ROIC | % | 15.62% | 14.40% | ||||||
| Operating margin | % | 85.30% | 81.16% | ||||||
| Gross margin | % | 90.92% | 90.87% | ||||||
| FCF/Sales | % | 42.75% | 43.17% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +1.07% | -1.30% | ||||||
| Sales Growth YoY | % | +13.55% | +7.81% | ||||||
| Net Income Growth YoY | % | +1.03% | +0.03% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +51.11% | +45.99% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 3.65% | 5.93% | ||||||
| Dividend Growth | % | - | +11.11% | ||||||
| Payout Ratio | % | 32.19% | 70.10% | ||||||
| FCF/Debt | x | 0.15 | 0.15 | ||||||
| Net Debt/EBITDA | x | 4.09 | 4.12 | ||||||
| EBIT/Net interest | x | 3.99 | 3.86 | ||||||
| Net debt/market cap | % | 39.53% | 105.17% | ||||||
| Net debt/Equity | x | 0.71 | 1.29 | ||||||
| Gross debt/equity | x | 1.37 | 1.36 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
KRUK Spólka Akcyjna, alongside its various subsidiary entities, operates as an international debt management specialist, with its presence spanning Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, and Spain. The company’s business activities are structured across three primary segments: Debt Purchase, Credit Management, and a broader 'Other' category. Central to KRUK's operations is the acquisition and administration of diverse debt portfolios, including consumer, mortgage-backed, and corporate obligations. Beyond this, the firm extends various financial products, such as unsecured consumer loans, mortgage financing, and credit solutions tailored for SMEs and corporations, complemented by comprehensive credit management services. KRUK also manages the receivables for a wide array of clients, including financial institutions like banks, loan brokers, and insurers, as well as leasing companies. Its client base further encompasses landline and mobile telecommunications providers, cable and digital TV operators, and fast-moving consumer goods (FMCG) businesses. The company's service offerings are extensive, featuring specialized Novum loan facilities, investigative services, financial intermediation, and auxiliary support specifically for small and medium-sized enterprises. Furthermore, KRUK is involved in gathering, processing, and providing credit information on individuals, delivering additional receivable management solutions, and conducting portfolio underwriting. Diversifying its operations, KRUK strategically invests in both receivables and certificates of securitization funds, and it also engages in the acquisition of agricultural real estate. Founded in 1998, KRUK Spólka Akcyjna maintains its principal office in Wroclaw, Poland.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
KRUK Spólka Akcyjna (KRU.WA)
Based on consensus from external analysts. Not Kvantra's opinion.
KRUK Spólka Akcyjna, alongside its various subsidiary entities, operates as an international debt management specialist, with its presence spanning Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, and Spain. The company’s business activities are structured across three primary segments: Debt Purchase, Credit Management, and a broader 'Other' category. Central to KRUK's operations is the acquisition and administration of diverse debt portfolios, including consumer, mortgage-backed, and corporate obligations. Beyond this, the firm extends various financial products, such as unsecured consumer loans, mortgage financing, and credit solutions tailored for SMEs and corporations, complemented by comprehensive credit management services. KRUK also manages the receivables for a wide array of clients, including financial institutions like banks, loan brokers, and insurers, as well as leasing companies. Its client base further encompasses landline and mobile telecommunications providers, cable and digital TV operators, and fast-moving consumer goods (FMCG) businesses. The company's service offerings are extensive, featuring specialized Novum loan facilities, investigative services, financial intermediation, and auxiliary support specifically for small and medium-sized enterprises. Furthermore, KRUK is involved in gathering, processing, and providing credit information on individuals, delivering additional receivable management solutions, and conducting portfolio underwriting. Diversifying its operations, KRUK strategically invests in both receivables and certificates of securitization funds, and it also engages in the acquisition of agricultural real estate. Founded in 1998, KRUK Spólka Akcyjna maintains its principal office in Wroclaw, Poland.
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