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Kruk S.A

Kruk S.A

80.10
EUR
0.00
(0.00%)
1.94BMarket Cap
Oct 27Next Earn
Kruk S.A
GETTEX:83I
(Gettex)

Recent

price

80.10

P/E

ratio

- -

div

yld

7.21%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
PLN
10.67
16.76
20.3
23.98
28.77
35.45
44.37
51.12
51.62
60.55
61.17
63.39
77.77
92.9
113.95
130.92
- -
Revenue per Share
2.35
4.03
4.8
5.77
8.95
11.84
14.08
15.74
17.51
14.61
4.29
36.63
42.07
50.93
55.54
55.92
- -
Basic EPS, GAAP
-3.79
-21.26
-3.67
-2.71
-4.14
1.9
-36.16
-11.91
-21.34
11.03
38.29
-16.07
-31.46
-42.85
-28.04
15.12
- -
Free Cash Flow per Basic Share
- -
- -
- -
0.01
0.01
1.51
2.01
2
5
5.02
0.04
10.89
13
15.01
17.99
18
24.82
Dividend per Share
7.71
14.09
18.79
24.5
34.19
45.08
66.02
77.65
91.72
103.23
107.5
136.79
168.44
196.25
233.67
273.24
282.68
Book Value per Share
7.35
13.64
18.27
23.82
33.49
44.34
62.09
73.35
86.65
98.09
103.58
133.25
163.89
192.36
229.69
265.48
272.87
Tangible Book Value per Share
15
16
17
17
17
17
18
19
19
19
19
19
19
19
19
19
16
Basic Weighted Avg Shares
164
275
343
406
488
611
783
958
973
1,145
1,161
1,202
1,488
1,795
2,204
2,540
- -
Sales/Revenue/Turnover
25.95
24.86
25.18
25.09
32.72
34.13
36.57
34.11
38.3
32.2
24.25
67.12
57.16
54.11
42.76
45.02
- -
Operating Margin (%)
4
5
7
9
11
11
14
19
20
44
47
48
51
58
62
65
- -
Depreciation Expense
36
66
81
98
152
204
249
295
330
276
81
695
805
984
1,074
1,085
- -
Net Income, GAAP
- -
3.14
4.58
0.74
0.68
2.63
13.16
11.93
6.28
11.82
60.38
10.21
6.8
5.13
- -
4.44
- -
Effective Tax Rate (%)
21.99
24.06
23.63
24.07
31.1
33.41
31.74
30.79
33.93
24.13
7.01
57.79
54.09
54.82
48.74
42.71
- -
Profit Margin (%)
189
554
699
895
1,271
1,461
2,517
2,995
3,830
1,426
906
1,277
1,784
869
2,982
3,330
3,057
Working Capital
78
339
409
513
719
711
1,377
1,637
2,202
2,458
1,586
2,284
3,504
5,138
6,352
6,927
6,866
LT Debt
130
238
318
416
585
784
1,238
1,461
1,733
1,959
2,043
2,600
3,253
3,791
4,529
5,326
5,525
Total Equity
- -
19.06
15.9
14.96
16.26
15.47
12.98
11.7
11.71
8.68
2.94
15.78
15.27
15.2
- -
12.69
- -
Return on Invested Capital (%)
- -
19.72
15.77
14.49
15.87
15.71
13.17
11.94
8.69
6.25
1.99
14.44
12.71
11.91
- -
9.23
- -
Return on Capital (%)
31.38
35.94
29.17
26.64
30.33
29.83
24.6
21.88
20.67
14.98
4.07
29.92
27.5
27.93
25.82
22.02
- -
Return on Common Equity (%)

Capital Structure

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
300
398
644
LT Borrowings
6,848
6,906
6,794
LT Finance Leases
79
80
71
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
19
19
20
Market Capitalization
9,483
8,731
8,330

Working Capital

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
3,960
4,232
4,060
Cash, Cash Equivalents & STI
3,417
3,684
3,554
Accounts Receivable, Net
15
17
19
Inventories
9
9
6
Total Current Liabilities
630
794
1,004
Payables & Accruals
- -
- -
- -
ST Debt
300
398
644
Deferred Revenue
- -
- -
- -

Growth Rates

PLN

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
21.78%
21.19%
17.62%
Free Cash Flow
-213.33%
-39.11%
-154.09%
Net Income, GAAP
76.77%
160.45%
1.03%
Sales/Revenue/Turnover
15.71%
17.2%
15.28%
Total Cash Common Dividend
3,102.42%
6,185.86%
0.4%

Quarterly Revenue

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
508
520
565
611
2,204
2025
609
628
- -
661
2,540
2026
674
686
- -
- -
- -

Quarterly Earnings Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
17.5
13.69
18.42
5.92
55.54
2025
12.98
17.14
- -
10.72
55.92
2026
13.46
14.97
- -
- -
- -

Quarterly Dividends Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
18.02
- -
- -
17.99
2025
- -
- -
- -
- -
18
2026
- -
20.02
- -
- -
- -
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Business
KRUK Spólka Akcyjna (KRU.WA) is a leading European debt management company founded in 1998 and headquartered in Wrocław, Poland, that purchases and collects primarily unsecured retail debt portfolios for its own account while providing receivables management services on commission to banks, insurers, leasing companies, telecommunications operators, and FMCG firms; it also offers consumer loans through its Wonga brand in Poland and Romania, alongside ancillary activities including financial intermediation, detective services, IT development, real estate management, and credit information services. The company operates across key markets in Poland, Romania, Italy, Spain, and France, with over 3,500 full-time employees and listings on the Warsaw Stock Exchange's WIG20 index as well as bonds on Catalyst and Nasdaq Sweden. Its segments encompass consumer debts, mortgage debts, corporate debts, commissioned portfolios, and other products, targeting non-performing loans from financial institutions through a pro-settlement approach focused on amicable, tailored repayment solutions. Recent developments include entry into the French market in December 2023 with 13 unsecured retail debt portfolio acquisitions totaling PLN 83 million in 2024 via local servicing partners; expansion of the Wonga loan portfolio, doubling its carrying amount since 2019 to PLN 362 million with Q1-Q3 2024 EBITDA of PLN 72 million; record Q3 2025 cash EBITDA exceeding PLN 2 billion over nine months alongside PLN 1.4 billion in new portfolio deployments; sale of credit reference agency Biuro Informacji Gospodarczej ERIF BIG S.A.; halting new investments in Czech Republic, Slovakia, and Germany; and launch of a 2025-2029 strategy targeting PLN 15 billion in debt portfolio investments, doubling the carrying amount to PLN 20 billion, PLN 29 billion in 20-year recoveries from existing portfolios, PLN 500 million digital transformation spend, and ROE approaching 20% under conservative assumptions.