KRI Stock Overview
Kredyt Inkaso S.A. provides debt management services in Poland, Russia, Romania, Luxembourg, Bulgaria, and Croatia.
Kredyt Inkaso Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||zł14.80|
|52 Week High||zł22.00|
|52 Week Low||zł11.60|
|1 Month Change||-3.27%|
|3 Month Change||-9.20%|
|1 Year Change||27.59%|
|3 Year Change||42.31%|
|5 Year Change||-40.80%|
|Change since IPO||-7.50%|
Recent News & Updates
Here's Why I Think Kredyt Inkaso (WSE:KRI) Might Deserve Your Attention Today
It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
|KRI||PL Diversified Financial||PL Market|
Return vs Industry: KRI exceeded the Polish Diversified Financial industry which returned -55.4% over the past year.
Return vs Market: KRI exceeded the Polish Market which returned -23.8% over the past year.
|KRI Average Weekly Movement||7.3%|
|Diversified Financial Industry Average Movement||4.6%|
|Market Average Movement||6.3%|
|10% most volatile stocks in PL Market||11.6%|
|10% least volatile stocks in PL Market||4.2%|
Stable Share Price: KRI is not significantly more volatile than the rest of Polish stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: KRI's weekly volatility (7%) has been stable over the past year.
About the Company
Kredyt Inkaso S.A. provides debt management services in Poland, Russia, Romania, Luxembourg, Bulgaria, and Croatia. The company engages in debt collection; mass litigation and enforcement proceedings; and development, commercialization, and trading of real estate. It serves banks, and insurance and telecommunication companies.
Kredyt Inkaso Fundamentals Summary
|KRI fundamental statistics|
Is KRI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|KRI income statement (TTM)|
|Cost of Revenue||zł69.34m|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
Jun 30, 2022
|Earnings per share (EPS)||5.32|
|Net Profit Margin||28.87%|
How did KRI perform over the long term?See historical performance and comparison
Is KRI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for KRI?
Other financial metrics that can be useful for relative valuation.
|What is KRI's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does KRI's PE Ratio compare to its peers?
|KRI PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: KRI is good value based on its Price-To-Earnings Ratio (2.8x) compared to the peer average (28.2x).
Price to Earnings Ratio vs Industry
How does KRI's PE Ratio compare vs other companies in the Diversified Financial Industry?
Price-To-Earnings vs Industry: KRI is good value based on its Price-To-Earnings Ratio (2.8x) compared to the Polish Diversified Financial industry average (10.1x)
Price to Earnings Ratio vs Fair Ratio
What is KRI'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.
|Current PE Ratio||2.8x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate KRI's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of KRI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate KRI's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate KRI's fair value for valuation analysis.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate KRI's PEG Ratio to determine if it is good value.
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How is Kredyt Inkaso forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Kredyt Inkaso has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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How has Kredyt Inkaso performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: KRI has high quality earnings.
Growing Profit Margin: KRI's current net profit margins (28.9%) are higher than last year (0.7%).
Past Earnings Growth Analysis
Earnings Trend: KRI's earnings have grown by 18.4% per year over the past 5 years.
Accelerating Growth: KRI's earnings growth over the past year (5403.5%) exceeds its 5-year average (18.4% per year).
Earnings vs Industry: KRI earnings growth over the past year (5403.5%) exceeded the Diversified Financial industry 15.2%.
Return on Equity
High ROE: Whilst KRI's Return on Equity (22.04%) is high, this metric is skewed due to their high level of debt.
Discover strong past performing companies
How is Kredyt Inkaso's financial position?
Financial Health Score6/6
Financial Health Score 6/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: KRI's short term assets (PLN688.9M) exceed its short term liabilities (PLN167.3M).
Long Term Liabilities: KRI's short term assets (PLN688.9M) exceed its long term liabilities (PLN257.6M).
Debt to Equity History and Analysis
Debt Level: KRI has more cash than its total debt.
Reducing Debt: KRI's debt to equity ratio has reduced from 149.6% to 123.5% over the past 5 years.
Debt Coverage: KRI's debt is well covered by operating cash flow (41%).
Interest Coverage: KRI's interest payments on its debt are well covered by EBIT (3.4x coverage).
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What is Kredyt Inkaso current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate KRI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate KRI's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if KRI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if KRI's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: KRI is not paying a notable dividend for the Polish market.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as KRI has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Maciej Jerzy Szymanski serves as Chairman of the Management Board at Kredyt Inkaso S.A. since August 21, 2018 and also serves as its CEO. He was a Principal at Waterland Private Equity Investments BV u...
Experienced Management: KRI's management team is considered experienced (2.2 years average tenure).
Experienced Board: KRI's board of directors are considered experienced (5.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Kredyt Inkaso S.A.'s employee growth, exchange listings and data sources
- Name: Kredyt Inkaso S.A.
- Ticker: KRI
- Exchange: WSE
- Founded: 2006
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: zł190.881m
- Shares outstanding: 12.90m
- Website: https://www.kredytinkaso.pl
Number of Employees
- Kredyt Inkaso S.A.
- ul. Domaniewska 39
- 6th Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/26 00:00|
|End of Day Share Price||2022/06/24 00:00|
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.