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 17.7% 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 Growth | 9.8% |
| Revenue growth rate | 13.4% |
| Return on equity | 26.9% |
| Net Margin | 57.3% |
| Last Earnings Update | 30 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
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 2,071 | 1,186 | -646 | 0 |
| 30 Jun 24 | 1,970 | 1,059 | -604 | 0 |
| 31 Mar 24 | 1,881 | 1,088 | -652 | 0 |
| 31 Dec 23 | 1,795 | 984 | -617 | 0 |
| 30 Sep 23 | 1,724 | 885 | -590 | 0 |
| 30 Jun 23 | 1,648 | 844 | -43 | 0 |
| 31 Mar 23 | 1,572 | 795 | -501 | 0 |
| 31 Dec 22 | 1,492 | 805 | -526 | 0 |
| 30 Sep 22 | 1,399 | 806 | 119 | 0 |
| 30 Jun 22 | 1,315 | 788 | 103 | 0 |
| 31 Mar 22 | 1,245 | 811 | 64 | 0 |
| 31 Dec 21 | 1,191 | 695 | 158 | 0 |
| 30 Sep 21 | 1,152 | 612 | -423 | 0 |
| 30 Jun 21 | 1,129 | 496 | -354 | 0 |
| 31 Mar 21 | 1,137 | 271 | -104 | 0 |
| 31 Dec 20 | 1,159 | 81 | 104 | 0 |
| 30 Sep 20 | 1,080 | 66 | 5 | 0 |
| 30 Jun 20 | 1,126 | 90 | 86 | 0 |
| 31 Mar 20 | 1,149 | 116 | 82 | 0 |
| 31 Dec 19 | 1,145 | 276 | -21 | 0 |
| 30 Sep 19 | 1,219 | 295 | 159 | 0 |
| 30 Jun 19 | 1,182 | 308 | 148 | 0 |
| 31 Mar 19 | 1,185 | 337 | 150 | 0 |
| 31 Dec 18 | 1,165 | 330 | 155 | 0 |
| 30 Sep 18 | 1,142 | 283 | 146 | 0 |
| 30 Jun 18 | 1,113 | 267 | 147 | 0 |
| 31 Mar 18 | 1,077 | 270 | 144 | 0 |
| 31 Dec 17 | 1,055 | 295 | 135 | 0 |
| 30 Sep 17 | 1,048 | 354 | 128 | 0 |
| 30 Jun 17 | 990 | 354 | 115 | 0 |
| 31 Mar 17 | 887 | 303 | 96 | 0 |
| 31 Dec 16 | 783 | 249 | 84 | 0 |
| 30 Sep 16 | 704 | 230 | 74 | 0 |
| 30 Jun 16 | 666 | 208 | 65 | 0 |
| 31 Mar 16 | 639 | 215 | 61 | 0 |
| 31 Dec 15 | 611 | 204 | 54 | 0 |
| 30 Sep 15 | 570 | 186 | 50 | 0 |
| 30 Jun 15 | 511 | 159 | 48 | 0 |
| 31 Mar 15 | 501 | 162 | 43 | 0 |
| 31 Dec 14 | 488 | 152 | 50 | 0 |
| 30 Sep 14 | 471 | 144 | 57 | 0 |
| 30 Jun 14 | 470 | 147 | 58 | 0 |
| 31 Mar 14 | 430 | 118 | 59 | 0 |
| 31 Dec 13 | 406 | 98 | 56 | 0 |
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 7.3%.
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.