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KRUK Spólka Akcyjna

KRUK Spólka Akcyjna

KRU.WA
KRUK Spólka AkcyjnaPL flagWarsaw Stock Exchange
414.00
PLN
+4.90
- -
8.09BMarket Cap
KRUK Spólka Akcyjna
KRU.WA
(Warsaw Stock Exchange)

Recent

price

414.00

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
8,891
9,577
8,727

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 (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.