KRUK Spólka Akcyjna

DB:83I Stock Report

Market Cap: €1.9b

KRUK Spólka Akcyjna Past Earnings Performance

Past criteria checks 3/6

KRUK Spólka Akcyjna has been growing earnings at an average annual rate of 35.3%, while the Consumer Finance industry saw earnings growing at 20.9% annually. Revenues have been growing at an average rate of 13.4% per year. KRUK Spólka Akcyjna's return on equity is 26.9%, and it has net margins of 57.3%.

Key information

35.3%

Earnings growth rate

34.8%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate13.4%
Return on equity26.9%
Net Margin57.3%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How KRUK Spólka Akcyjna makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:83I Revenue, expenses and earnings (PLN Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 242,0711,186-6460
30 Jun 241,9701,059-6040
31 Mar 241,8811,088-6520
31 Dec 231,795984-6170
30 Sep 231,724885-5900
30 Jun 231,648844-430
31 Mar 231,572795-5010
31 Dec 221,492805-5260
30 Sep 221,3998061190
30 Jun 221,3157881030
31 Mar 221,245811640
31 Dec 211,1916951580
30 Sep 211,152612-4230
30 Jun 211,129496-3540
31 Mar 211,137271-1040
31 Dec 201,159811040
30 Sep 201,0806650
30 Jun 201,12690860
31 Mar 201,149116820
31 Dec 191,145276-210
30 Sep 191,2192951590
30 Jun 191,1823081480
31 Mar 191,1853371500
31 Dec 181,1653301550
30 Sep 181,1422831460
30 Jun 181,1132671470
31 Mar 181,0772701440
31 Dec 171,0552951350
30 Sep 171,0483541280
30 Jun 179903541150
31 Mar 17887303960
31 Dec 16783249840
30 Sep 16704230740
30 Jun 16666208650
31 Mar 16639215610
31 Dec 15611204540
30 Sep 15570186500
30 Jun 15511159480
31 Mar 15501162430
31 Dec 14488152500
30 Sep 14471144570
30 Jun 14470147580
31 Mar 14430118590
31 Dec 1340698560

Quality Earnings: 83I has a large one-off loss of PLN439.3M impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: 83I's current net profit margins (57.3%) are higher than last year (51.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 83I's earnings have grown significantly by 35.3% per year over the past 5 years.

Accelerating Growth: 83I's earnings growth over the past year (34%) is below its 5-year average (35.3% per year).

Earnings vs Industry: 83I earnings growth over the past year (34%) exceeded the Consumer Finance industry 3.2%.

Return on Equity

High ROE: Whilst 83I's Return on Equity (26.91%) is high, this metric is skewed due to their high level of debt.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/19 17:43
End of Day Share Price 2024/12/19 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

KRUK Spólka Akcyjna is covered by 9 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kamil KliszczBiuro maklerskie mBanku
Andrzej PowierzaCitigroup Inc
Henning EsskuchenErste Group Bank AG