KRUK Spólka Akcyjna

DB:83I Stock Report

Market Cap: €1.8b

KRUK Spólka Akcyjna Valuation

Is 83I undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 83I when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 83I (€95.05) is trading below our estimate of fair value (€123.44)

Significantly Below Fair Value: 83I is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 83I?

Key metric: As 83I is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 83I. This is calculated by dividing 83I's market cap by their current earnings.
What is 83I's PE Ratio?
PE Ratio6.7x
Earningszł1.19b
Market Capzł7.91b

Price to Earnings Ratio vs Peers

How does 83I's PE Ratio compare to its peers?

The above table shows the PE ratio for 83I vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average10.5x
OT8 Eleving Group
9.3x29.7%€190.9m
E4I Multitude
6.6x15.4%€102.3m
ARLN Aareal Bank
13.7x24.6%€2.0b
FTK flatexDEGIRO
12.4x8.4%€1.5b
83I KRUK Spólka Akcyjna
6.7x2.7%€7.9b

Price-To-Earnings vs Peers: 83I is good value based on its Price-To-Earnings Ratio (6.7x) compared to the peer average (10.5x).

Price to Earnings Ratio vs Industry

How does 83I's PE Ratio compare vs other companies in the European Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
83I 6.7xIndustry Avg. 8.3xNo. of Companies5PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 83I is good value based on its Price-To-Earnings Ratio (6.7x) compared to the European Consumer Finance industry average (8.3x).

Price to Earnings Ratio vs Fair Ratio

What is 83I's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

83I PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.7x
Fair PE Ratio13.3x

Price-To-Earnings vs Fair Ratio: 83I is good value based on its Price-To-Earnings Ratio (6.7x) compared to the estimated Fair Price-To-Earnings Ratio (13.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 83I forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€95.05
€123.96
+30.4%
5.1%€134.36€117.14n/a4
Nov ’25€96.30
€123.96
+28.7%
5.1%€134.36€117.14n/a4
Oct ’25€100.90
€124.90
+23.8%
5.6%€136.39€118.90n/a4
Sep ’25€101.30
€120.86
+19.3%
1.6%€123.89€118.68n/a4
Aug ’25€100.70
€122.13
+21.3%
1.6%€125.19€119.93n/a4
Jul ’25€105.10
€118.24
+12.5%
4.3%€123.34€109.82n/a4
Jun ’25€100.20
€118.24
+18.0%
4.3%€123.34€109.82n/a4
May ’25€104.00
€118.24
+13.7%
4.3%€123.34€109.82n/a4
Apr ’25€102.10
€117.89
+15.5%
4.3%€123.52€109.98n/a4
Mar ’25€95.00
€117.89
+24.1%
4.3%€123.52€109.98n/a4
Feb ’25€102.40
€114.55
+11.9%
4.9%€121.40€108.09n/a4
Jan ’25€107.70
€111.07
+3.1%
3.6%€117.48€106.89n/a4
Dec ’24€99.95
€111.07
+11.1%
3.6%€117.48€106.89n/a4
Nov ’24€99.40
€108.86
+9.5%
3.6%€115.15€104.76€96.304
Oct ’24€87.00
€95.17
+9.4%
11.4%€104.69€77.32€100.904
Sep ’24€85.15
€98.19
+15.3%
11.2%€107.35€79.95€101.304
Aug ’24€98.90
€98.19
-0.7%
11.2%€107.35€79.95€100.704
Jul ’24€90.40
€86.36
-4.5%
9.1%€99.07€79.80€105.104
Jun ’24€81.95
€79.22
-3.3%
4.2%€82.95€75.77€100.204
May ’24€84.35
€79.22
-6.1%
4.2%€82.95€75.77€104.004
Apr ’24€65.80
€78.62
+19.5%
3.7%€83.11€75.91€102.104
Mar ’24€70.15
€74.89
+6.8%
3.3%€78.29€71.24€95.004
Feb ’24€74.45
€73.41
-1.4%
5.6%€78.74€67.71€102.404
Jan ’24€66.70
€69.28
+3.9%
9.5%€76.68€59.01€107.704
Dec ’23€63.75
€64.56
+1.3%
15.1%€75.88€52.01€99.954
Nov ’23€58.90
€63.85
+8.4%
14.8%€75.31€51.69€99.404

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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