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KRUK Spólka Akcyjna

KRUK Spólka Akcyjna

KRKKF
KRUK Spólka AkcyjnaUS flagOther OTC
124.58
USD
- -
- -
2.43BMarket Cap
KRUK Spólka Akcyjna
KRKKF
(Other OTC)

Recent

price

124.58

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
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
100.96
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
41.31
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
-3.87
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
- -
Dividend per Share
7.9
9.1
13.64
19.4
28.31
38.19
49.45
60.31
74.03
83.36
82.37
108.18
136.31
170.95
208.34
245.56
258.57
Book Value per Share
8.08
14.05
18.28
23.89
33.79
44.74
65.91
73.59
86.87
98.42
103.75
133.55
165.42
192.32
230.19
266.71
281.14
Tangible Book Value per Share
15
16
17
17
17
17
18
19
19
19
19
19
19
19
19
19
19
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
1,963
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
42.65
Operating Margin (%)
4
5
7
9
11
11
14
19
20
44
47
48
51
58
62
65
52
Depreciation Expense
36
66
81
98
152
204
249
295
330
276
81
695
805
984
1,074
1,085
803
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
2.08
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
40.91
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
3,439
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
6,986
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
5,635
Total Equity
- -
13.58
10.05
9.95
12.47
12.84
10.66
9.09
9.12
7.27
2.49
14.82
12.46
11.13
- -
9.2
6.79
Return on Invested Capital (%)
- -
21.93
17.67
15.86
17.18
16.95
14.74
13.43
9.52
6.8
2.2
16.15
14.03
12.79
- -
9.66
7.15
Return on Capital (%)
34.52
48.86
42.67
34.96
37.55
35.87
32.47
29.45
26.13
18.6
5.18
38.44
34.55
33.29
29.3
24.68
17.26
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
300
398
LT Borrowings
- -
6,848
6,906
LT Finance Leases
- -
79
80
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
19
19
Market Capitalization
6,429
6,348
6,569

Working Capital

FRC

•

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

Growth Rates

FRC

•

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

FRC

•

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
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

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
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
18.02
- -
- -
17.99
2025
- -
- -
- -
- -
18
2026
- -
- -
- -
- -
- -
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Business
KRUK Spólka Akcyjna, a leading European debt management company founded in 1998 and headquartered in Wrocław, Poland, specializes in the purchase and collection of non-performing debt portfolios, primarily unsecured retail debts; it also provides commissioned receivables management services to banks, loan brokers, insurers, leasing companies, telecommunications operators, and FMCG firms; offers consumer unsecured and mortgage loans through its Wonga brand in Poland and Romania; and engages in ancillary activities including credit information services, financial intermediation, detective services, real estate and farmland acquisition, IT development, and law firm operations. The company operates across key markets in Poland, Romania, Italy, Spain, and France, with over 3,500 full-time employees managing portfolios with a nominal value exceeding PLN 100 billion; its shares trade on the Warsaw Stock Exchange as part of the WIG20 index, while bonds list on Catalyst and Nasdaq Sweden. In recent developments, KRUK launched its 2025-2029 strategy emphasizing PLN 15 billion in debt portfolio investments, digital transformation with a PLN 500 million commitment targeting 20% IRR, and operational efficiencies to double the carrying amount of portfolios to PLN 20 billion by 2029 while capping headcount below 4,000 FTEs; it expanded into France in 2023 with initial acquisitions, investing PLN 83 million in 13 unsecured retail portfolios in 2024 via local servicing partners; achieved record 2024 results including PLN 1,074 million net profit (up 9% year-on-year), PLN 3.5 billion in recoveries (up 15%), and PLN 2.8 billion in investments; and continues growth in core unsecured debt segments across its markets, maintaining leadership with high ROE and market share in primary unsecured retail portfolios.

Company News

APIChat

  • seekingalpha.com

    KRUK Spólka Akcyjna (KRKKF) Q1 2026 Earnings Call Transcript

  • seekingalpha.com

    KRUK Spólka Akcyjna (KRKKF) Q4 2025 Earnings Call Transcript