KRU Stock Overview
KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt for institutional clients in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, and Spain.
KRUK Spólka Akcyjna Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||zł245.60|
|52 Week High||zł393.00|
|52 Week Low||zł220.60|
|1 Month Change||-10.23%|
|3 Month Change||-19.74%|
|1 Year Change||-2.77%|
|3 Year Change||32.04%|
|5 Year Change||-19.10%|
|Change since IPO||488.83%|
Recent News & Updates
Does KRUK Spólka Akcyjna (WSE:KRU) Deserve A Spot On Your Watchlist?
Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...
|KRU||PL Consumer Finance||PL Market|
Return vs Industry: KRU underperformed the Polish Consumer Finance industry which returned -2.4% over the past year.
Return vs Market: KRU exceeded the Polish Market which returned -19.5% over the past year.
|KRU Average Weekly Movement||6.8%|
|Consumer Finance Industry Average Movement||5.7%|
|Market Average Movement||6.3%|
|10% most volatile stocks in PL Market||11.2%|
|10% least volatile stocks in PL Market||4.1%|
Stable Share Price: KRU is not significantly more volatile than the rest of Polish stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: KRU's weekly volatility (7%) has been stable over the past year.
About the Company
KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt for institutional clients in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, and Spain. It purchases and manages debt portfolios, including consumer, mortgage-backed, and SME/corporate debts; and offers consumer unsecured loans, mortgage loans, SME/corporate loans, and credit management services. The company manages the receivables of banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and FMCG companies.
KRUK Spólka Akcyjna Fundamentals Summary
|KRU fundamental statistics|
Is KRU overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|KRU income statement (TTM)|
|Cost of Revenue||zł419.40m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Sep 07, 2022
|Earnings per share (EPS)||42.42|
|Net Profit Margin||65.85%|
How did KRU perform over the long term?See historical performance and comparison
5.3%Current Dividend Yield
Is KRU undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
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 KRU?
Other financial metrics that can be useful for relative valuation.
|What is KRU's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does KRU's PE Ratio compare to its peers?
|KRU PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
GPW Gielda Papierów Wartosciowych w Warszawie
ENVA Enova International
KRU KRUK Spólka Akcyjna
Price-To-Earnings vs Peers: KRU is good value based on its Price-To-Earnings Ratio (5.6x) compared to the peer average (6.1x).
Price to Earnings Ratio vs Industry
How does KRU's PE Ratio compare vs other companies in the European Consumer Finance Industry?
Price-To-Earnings vs Industry: KRU is good value based on its Price-To-Earnings Ratio (5.6x) compared to the European Consumer Finance industry average (10x)
Price to Earnings Ratio vs Fair Ratio
What is KRU'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||5.8x|
|Fair PE Ratio||16.3x|
Price-To-Earnings vs Fair Ratio: KRU is good value based on its Price-To-Earnings Ratio (5.6x) compared to the estimated Fair Price-To-Earnings Ratio (16.2x).
Share Price vs Fair Value
What is the Fair Price of KRU when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: KRU (PLN239.4) is trading above our estimate of fair value (PLN221.04)
Significantly Below Fair Value: KRU is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: KRU's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
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How is KRUK Spólka Akcyjna forecast to perform in the next 1 to 3 years based on estimates from 3 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 annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: KRU's earnings are forecast to decline over the next 3 years (-11.5% per year).
Earnings vs Market: KRU's earnings are forecast to decline over the next 3 years (-11.5% per year).
High Growth Earnings: KRU's earnings are forecast to decline over the next 3 years.
Revenue vs Market: KRU's revenue is expected to decline over the next 3 years (-0.6% per year).
High Growth Revenue: KRU's revenue is forecast to decline over the next 3 years (-0.6% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: KRU's Return on Equity is forecast to be low in 3 years time (15.1%).
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How has KRUK Spólka Akcyjna 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: KRU has a high level of non-cash earnings.
Growing Profit Margin: KRU's current net profit margins (65.8%) are higher than last year (23.8%).
Past Earnings Growth Analysis
Earnings Trend: KRU's earnings have grown by 13.6% per year over the past 5 years.
Accelerating Growth: KRU's earnings growth over the past year (199.5%) exceeds its 5-year average (13.6% per year).
Earnings vs Industry: KRU earnings growth over the past year (199.5%) exceeded the Consumer Finance industry 25%.
Return on Equity
High ROE: KRU's Return on Equity (28.2%) is considered high.
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How is KRUK Spólka Akcyjna's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: KRU's short term assets (PLN440.7M) do not cover its short term liabilities (PLN686.5M).
Long Term Liabilities: KRU's short term assets (PLN440.7M) do not cover its long term liabilities (PLN2.7B).
Debt to Equity History and Analysis
Debt Level: KRU's net debt to equity ratio (87.3%) is considered high.
Reducing Debt: KRU's debt to equity ratio has reduced from 119.2% to 99.2% over the past 5 years.
Debt Coverage: KRU's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: KRU's interest payments on its debt are well covered by EBIT (11.5x coverage).
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What is KRUK Spólka Akcyjna current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: KRU's dividend (5.43%) is higher than the bottom 25% of dividend payers in the Polish market (2.71%).
High Dividend: KRU's dividend (5.43%) is low compared to the top 25% of dividend payers in the Polish market (7.99%).
Stability and Growth of Payments
Stable Dividend: KRU has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: KRU's dividend payments have increased, but the company has only paid a dividend for 7 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (30.4%), KRU's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: KRU is paying a dividend but the company has no free cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Piotr Krupa co-founded KRUK Spólka Akcyjna (formerly known as KRUK Spolka Akcyjna) (alternate name KRUK SA) in 2003 and serves as its President of Management Board and Chief Executive Officer. Mr. Krup...
CEO Compensation Analysis
Compensation vs Market: Piotr's total compensation ($USD502.11K) is about average for companies of similar size in the Polish market ($USD512.37K).
Compensation vs Earnings: Piotr's compensation has been consistent with company performance over the past year.
Experienced Management: KRU's management team is seasoned and experienced (12 years average tenure).
Experienced Board: KRU's board of directors are not considered experienced ( 0.2 years average tenure), which suggests a new board.
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.
KRUK Spólka Akcyjna's employee growth, exchange listings and data sources
- Name: KRUK Spólka Akcyjna
- Ticker: KRU
- Exchange: WSE
- Founded: 1998
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: zł4.698b
- Shares outstanding: 19.13m
- Website: https://www.pl.kruk.eu
Number of Employees
- KRUK Spólka Akcyjna
- st. Wolowska 8
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/30 00:00|
|End of Day Share Price||2022/06/30 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.