KRUK Spólka Akcyjna (DB:83I) - Stock Price, News & Analysis

83I Stock Overview

Engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. More details

83I fundamental analysis
Snowflake Score
Valuation	6/6
Future Growth	2/6
Past Performance	3/6
Financial Health	1/6
Dividends	3/6

Rewards

Trading at 23% below our estimate of its fair value

Earnings are forecast to grow 2.67% per year

Earnings grew by 34% over the past year

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 32.2%

Risk Analysis

Debt is not well covered by operating cash flow

Large one-off items impacting financial results

Dividend of 4.41% is not well covered by free cash flows

KRUK Spólka Akcyjna Competitors

Eleving Group

DB:OT8

€190.9m

Multitude

XTRA:E4I

€102.3m

Aareal Bank

XTRA:ARLN

€2.0b

flatexDEGIRO

XTRA:FTK

€1.5b

Price History & Performance

Summary of all time highs, changes and price drops for KRUK Spólka Akcyjna
Historical stock prices
Current Share Price	zł95.05
52 Week High	zł109.80
52 Week Low	zł93.90
Beta	1.35
11 Month Change	-0.99%
3 Month Change	-7.63%
1 Year Change	-6.45%
33 Year Change	35.11%
5 Year Change	n/a
Change since IPO	145.35%

Recent updates

Shareholder Returns

	83I	DE Consumer Finance	DE Market
7D	-2.5%	3.4%	-0.2%
1Y	-6.4%	13.6%	7.8%

Return vs Industry: 83I underperformed the German Consumer Finance industry which returned 13.6% over the past year.

Return vs Market: 83I underperformed the German Market which returned 7.9% over the past year.

Price Volatility

Is 83I's price volatile compared to industry and market?
83I volatility
83I Average Weekly Movement	5.2%
Consumer Finance Industry Average Movement	4.7%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.1%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: 83I has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: 83I's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1998	3,383	Piotr Krupa	www.pl.kruk.eu

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Consumer Debts, Mortgage Debts, and Corporate Debts segments. It offers credit management services to banks, telecommunication operators, insurers, and others.

KRUK Spólka Akcyjna Fundamentals Summary

How do KRUK Spólka Akcyjna's earnings and revenue compare to its market cap?
83I fundamental statistics
Market cap	€1.83b
Earnings (TTM)	€273.56m
Revenue (TTM)	€477.80m

6.7x

P/E Ratio

3.8x

P/S Ratio

Is 83I overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
83I income statement (TTM)
Revenue	zł2.07b
Cost of Revenue	zł601.75m
Gross Profit	zł1.47b
Other Expenses	zł283.57m
Earnings	zł1.19b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	61.18
Gross Margin	70.95%
Net Profit Margin	57.26%
Debt/Equity Ratio	132.4%

How did 83I perform over the long term?

See historical performance and comparison

Dividends

4.4%

Current Dividend Yield

29%

Payout Ratio

83I Stock Overview

Rewards

Risk Analysis

KRUK Spólka Akcyjna Competitors

DB:OT8

€190.9m

XTRA:E4I

€102.3m

XTRA:ARLN

€2.0b

XTRA:FTK

€1.5b

Price History & Performance

Recent News & Updates

Now 20% undervalued after recent price drop

Third quarter 2024 earnings released: EPS: zł18.42 (vs zł11.84 in 3Q 2023)

KRUK S.A. Provides Consolidated Earnings Guidance for the Third Quarter of 2024

KRUK Spólka Akcyjna to Report Q3, 2024 Results on Oct 29, 2024

Now 20% undervalued after recent price drop

Now 22% undervalued after recent price drop

Recent updates

Now 20% undervalued after recent price drop

Third quarter 2024 earnings released: EPS: zł18.42 (vs zł11.84 in 3Q 2023)

KRUK S.A. Provides Consolidated Earnings Guidance for the Third Quarter of 2024

KRUK Spólka Akcyjna to Report Q3, 2024 Results on Oct 29, 2024

Now 20% undervalued after recent price drop

Now 22% undervalued after recent price drop

Second quarter 2024 earnings released: EPS: zł13.69 (vs zł15.20 in 2Q 2023)

KRUK Spólka Akcyjna Approves Dividend for the Year 2023, Payable on May 20, 2024

First quarter 2024 earnings released: EPS: zł17.51 (vs zł12.13 in 1Q 2023)

Upcoming dividend of zł18.00 per share

Kruk Group Provides Consolidated Earnings Guidance for the First Quarter of 2024

KRUK Spólka Akcyjna, Annual General Meeting, May 10, 2024

Full year 2023 earnings released: EPS: zł50.93 (vs zł42.07 in FY 2022)

Kruk S.A. Proposes Dividend

Full year 2023 earnings released: EPS: zł52.41 (vs zł42.07 in FY 2022)

KRUK Spólka Akcyjna to Report Q1, 2024 Results on May 08, 2024

Now 21% undervalued

Third quarter 2023 earnings released: EPS: zł11.84 (vs zł9.82 in 3Q 2022)

New major risk - Share price stability

Investor sentiment improves as stock rises 16%

Upcoming dividend of zł15.00 per share at 3.8% yield

Second quarter 2023 earnings released: EPS: zł15.20 (vs zł12.83 in 2Q 2022)

KRUK Spólka Akcyjna (WSE:KRU) and GESCOBRO COLLECTION SERVICES, S.L.U. agreed to acquire Portfolio of unsecured unpaid loans from Banco Bilbao Vizcaya Argentaria, S.A. (BME:BBVA).

KRUK Spólka Akcyjna to Report Q2, 2023 Results on Aug 10, 2023

KRUK Spólka Akcyjna to Report Q2, 2023 Results on Aug 10, 2023

KRUK Spólka Akcyjna, Annual General Meeting, Jun 20, 2023

Full year 2022 earnings released: EPS: zł42.07 (vs zł36.63 in FY 2021)

KRUK Spólka Akcyjna to Report Q1, 2023 Results on Apr 26, 2023

CRIF S.p.A. signed an agreement to acquire EBS Sp. z o.o. and ERIF Biuro Informacji Gospodarczej S.A. from KRUK Spólka Akcyjna (WSE:KRU).

Credit Factor SpA and KRUK Spólka Akcyjna (WSE:KRU) reached an agreement to acquire Non-performing unsecured individual credit portfolio, in Italy from UniCredit S.p.A. (BIT:UCG).

Third quarter 2022 earnings released: EPS: zł9.82 (vs zł8.92 in 3Q 2021)

Now 20% undervalued

KRUK Spólka Akcyjna (WSE:KRU) signed purchase agreement to acquire Three Debt Portfolios of BNP Paribas of nominal value of EUR 85.2 million from BNP Paribas Bank Polska S.A. (WSE:BNP).

KRUK Spólka Akcyjna (WSE:KRU) signed a purchase agreement to acquire Three Debt Portfolios of BNP Paribas of Nominal Value of EUR 85.2 million from BNP Paribas Bank Polska S.A. (WSE:BNP).

Second quarter 2022 earnings released: EPS: zł12.83 (vs zł14.12 in 2Q 2021)

First quarter 2022 earnings released: EPS: zł12.83 (vs zł6.70 in 1Q 2021)

Kruk Financials Approves Dividend for 2021, Payable on April 28

Upcoming dividend of zł13.00 per share

Full year 2021 earnings: Revenues and EPS in line with analyst expectations

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Now 21% undervalued after recent price drop

KRUK Spólka Akcyjna (WSE:KRU) entered into agreement to acquire Portfolio of unsecured retail debt and portfolio of secured and unsecured mortgage debt from Getin Noble Bank S.A. (WSE:GNB) for approximately PLN 860 million.

Investor sentiment improved over the past week

KRUK Spólka Akcyjna (WSE:KRU) agreed to acquire Unsecured Retail Debt Portfolio In Italy from Deutsche Bank S.p.A.

Third quarter 2021 earnings released: EPS zł8.92 (vs zł2.83 in 3Q 2020)

Second quarter 2021 earnings released: EPS zł14.12 (vs zł2.26 in 2Q 2020)

MBCredit Solutions S.p.A. and KRUK Spólka Akcyjna (WSE:KRU) entered into an agreement to acquire Unsecured Individual Non-Performing Credit Portfolio of UniCredit from UniCredit S.p.A. (BIT:UCG).

Investor sentiment improved over the past week

First quarter 2021 earnings released: EPS zł6.70 (vs zł3.28 loss in 1Q 2020)

Kruk Provides Earnings Guidance for the First Quarter of 2021

Full year 2020 earnings released: EPS zł4.29 (vs zł14.61 in FY 2019)

Kruk Provides Earnings Guidance for the Fourth Quarter and Full Year of 2020

Kruk Recommends Dividend

Shareholder Returns

Price Volatility

About the Company

KRUK Spólka Akcyjna Fundamentals Summary

6.7x