KRUK Spólka Akcyjna
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. The last earnings update was 24 days ago. More info.
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KRU Share Price and Events
7 Day Returns
1 Year Returns
KRU Shareholder Return
| 7 Day | 30 Day | 90 Day | 1 Year | 3 Year | 5 Year | |
|---|---|---|---|---|---|---|
| KRUK Spólka Akcyjna (KRU) | -3.3% | -1.5% | 7.8% | -28.4% | -13.7% | 80.2% |
| PL Consumer Finance | -3.3% | -1.4% | 10% | -29.2% | -16.2% | 64.6% |
| PL Market | -0.9% | -7.1% | -6.6% | -7.4% | 9.6% | -11.5% |
1 Year Return vs Industry and Market
- KRU underperformed the Market in Poland which returned -7.4% over the past year.
KRU Value
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current
share
price of
KRUK Spólka Akcyjna
to its discounted cash flow analysis.value.The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Below are the data sources, inputs and calculation used to determine the intrinsic value for KRUK Spólka Akcyjna.
| Data Point | Source | Value |
|---|---|---|
| Valuation Model | Excess Returns Model | |
| Stable EPS |
Weighted future Return on Equity estimates from 6 analysts.
= Stable Book Value * Return on Equity = PLN116.39 * 16.5% |
PLN19.23 |
| Book Value of Equity per Share | Weighted future Book Value estimates from 2 analysts. | PLN116.39 |
| Discount Rate (Cost of Equity) | See below | 11% |
| Perpetual Growth Rate | 10-Year PL Government Bond Rate | 2.9% |
An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.
| Data Point | Calculation/ Source | Result |
|---|---|---|
| Risk-Free Rate | 10-Year PL Govt Bond Rate | 2.9% |
| Equity Risk Premium | S&P Global | 7.1% |
| Consumer Finance Unlevered Beta | Simply Wall St/ S&P Global | 0.72 |
| Re-levered Beta | = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.719 (1 + (1- 19%) (83.55%)) |
1.138 |
| Levered Beta | Levered Beta limited to 0.8 to 2.0 (practical range for a stable firm) |
1.14 |
| Discount Rate/ Cost of Equity |
= Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.85% + (1.138 * 7.14%) |
10.98% |
Discounted Cash Flow Calculation for WSE:KRU using Excess Returns Model Model
The calculations below outline how an intrinsic value for KRUK Spólka Akcyjna is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
Note the calculations below are per share.
See our documentation to learn about this calculation.
| Calculation | Result | |
|---|---|---|
| Excess Returns |
= (Stable Return on equity – Cost of equity) (Book Value of
Equity per share)
= (16.5% – 10.98%) * PLN116.39) |
PLN6.46 |
| Terminal Value of Excess Returns |
= Excess Returns / (Cost of Equity -
Expected Growth Rate)
= PLN6.46 / (10.98% - 2.85%) |
PLN79.48 |
| Value of Equity |
= Book Value per share + Terminal Value of
Excess Returns
= PLN116.39 + PLN79.48 |
PLN195.87 |
| Calculation | Result | |
|---|---|---|
| Value per share (PLN) | From above. | PLN195.87 |
| Current discount | Discount to share price of
PLN163.90
= -1 x (PLN163.90 - PLN195.87) / PLN195.87 |
16.3% |
Learn more about our DCF calculations in Simply Wall St’s analysis model .
Current Discount
Current Discount Checks
- KRUK Spólka Akcyjna's share price is below the future cash flow value, but not at a moderate discount (< 20%).
- KRUK Spólka Akcyjna's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.The amount the stock market is willing to pay for KRUK Spólka Akcyjna's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are
KRUK Spólka Akcyjna's earnings available for a low price, and how does
this compare to other companies in the same industry?
| Data Point | Source | Value |
|---|---|---|
| Earnings Per Share * | Company Filings (2019-03-31) in PLN | PLN17.88 |
| WSE:KRU Share Price ** | WSE (2019-05-17) in PLN | PLN163.9 |
| Poland Consumer Finance Industry PE Ratio | Median Figure of 6 Publicly-Listed Consumer Finance Companies | 4.29x |
| Poland Market PE Ratio | Median Figure of 463 Publicly-Listed Companies | 10.76x |
* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.
** Primary Listing of KRUK Spólka Akcyjna.
| Calculation | Outcome | |
|---|---|---|
| PE Ratio | = WSE:KRU Share Price ÷ EPS (both in PLN) = 163.9 ÷ 17.88 |
9.17x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- KRUK Spólka Akcyjna is overvalued based on earnings compared to the PL Consumer Finance industry average.
- KRUK Spólka Akcyjna is good value based on earnings compared to the Poland market.
Price based on expected Growth
Does
KRUK Spólka Akcyjna's expected growth come at a high price?
| Data Point | Source | Value |
|---|---|---|
| PE Ratio | See PE Ratio Section | 9.17x |
| Net Income Annual Growth Rate | See Future Growth Section. Line of Best Fit* through Consensus Estimate Earnings of 7 Analysts |
-4.8%per year |
| Europe Consumer Finance Industry PEG Ratio | Median Figure of 18 Publicly-Listed Consumer Finance Companies | 0.66x |
| Poland Market PEG Ratio | Median Figure of 113 Publicly-Listed Companies | 0.93x |
*Line of best fit is calculated by linear regression .
| Calculation | Outcome | |
|---|---|---|
| PEG Ratio | = PE Ratio ÷ Net Income Annual Growth Rate = 9.17x ÷ -4.8% |
-1.92x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- KRUK Spólka Akcyjna earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on
KRUK Spólka Akcyjna's
assets?
| Data Point | Source | Value |
|---|---|---|
| Book Value per Share | Company Filings (2019-03-31) in PLN | PLN96.76 |
| WSE:KRU Share Price * | WSE (2019-05-17) in PLN | PLN163.9 |
| Poland Consumer Finance Industry PB Ratio | Median Figure of 10 Publicly-Listed Consumer Finance Companies | 0.6x |
| Poland Market PB Ratio | Median Figure of 689 Publicly-Listed Companies | 0.97x |
| Calculation | Outcome | |
|---|---|---|
| PB Ratio | = WSE:KRU Share Price ÷ Book Value per Share (both in PLN) = 163.9 ÷ 96.76 |
1.69x |
* Primary Listing of KRUK Spólka Akcyjna.
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- KRUK Spólka Akcyjna is overvalued based on assets compared to the PL Consumer Finance industry average.
Value checks
We assess KRUK Spólka Akcyjna's value by looking at:- Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
- Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
- Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
- Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check) KRUK Spólka Akcyjna has a total score of 1/6, see the detailed checks below.
Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.
Full details on the Value part of the Simply Wall St company analysis model.
KRU Future Performance
The future performance of a company is measured in the same way as past
performance, by looking at estimated
growth
and how much profit it is expected to make.Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Earnings growth vs Low Risk Savings
- KRUK Spólka Akcyjna's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.9%.
Growth vs Market Checks
- KRUK Spólka Akcyjna's earnings are expected to decrease over the next 1-3 years, this is below the Poland market average.
- KRUK Spólka Akcyjna's revenue growth is positive but not above the Poland market average.
Annual Growth Rates Comparison
| Data Point | Source | Value (per year) |
|---|---|---|
| WSE:KRU Future Earnings Growth Rate | Line of Best Fit* through Consensus Estimate Earnings of 7 Analysts | -4.8% |
| WSE:KRU Future Revenue Growth Rate | Line of Best Fit* through Consensus Estimate Revenue of 7 Analysts | 3.1% |
| Poland Consumer Finance Industry Earnings Growth Rate | Market Cap Weighted Average | -4.5% |
| Europe Consumer Finance Industry Revenue Growth Rate | Market Cap Weighted Average | 11.9% |
| Poland Market Earnings Growth Rate | Market Cap Weighted Average | 10% |
| Poland Market Revenue Growth Rate | Market Cap Weighted Average | 5.5% |
*Line of best fit is calculated by linear regression .
Industry and Market average data is calculated daily.
Learn more about our growth rate calculations in Simply Wall St’s analysis model.
Analysts growth expectations
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (1 month ago) | See Below |
| Future Estimates | Average of up to 7 Analyst Estimates (S&P Global) | See Below |
| Date (Data in PLN Millions) | Revenue | Cash Flow | Net Income * | Avg. No. Analysts |
|---|---|---|---|---|
| 2023-12-31 | 1,342 | 233 | 1 | |
| 2022-12-31 | 1,513 | 626 | 351 | 2 |
| 2021-12-31 | 1,398 | 348 | 336 | 4 |
| 2020-12-31 | 1,425 | -57 | 379 | 7 |
| 2019-12-31 | 1,206 | -250 | 366 | 1 |
| Date (Data in PLN Millions) | Revenue | Cash Flow | Net Income * |
|---|---|---|---|
| 2019-03-31 | 1,185 | -426 | 337 |
| 2018-12-31 | 1,165 | -402 | 330 |
| 2018-09-30 | 1,142 | -377 | 283 |
| 2018-06-30 | 1,113 | 7 | 267 |
| 2018-03-31 | 1,077 | -103 | 270 |
| 2017-12-31 | 1,055 | -223 | 295 |
| 2017-09-30 | 1,048 | -212 | 354 |
| 2017-06-30 | 990 | -464 | 354 |
| 2017-03-31 | 887 | -693 | 303 |
| 2016-12-31 | 783 | -623 | 249 |
| 2016-09-30 | 704 | -528 | 230 |
| 2016-06-30 | 666 | -318 | 208 |
*GAAP earnings excluding extraordinary items.
Past and Future Earnings per Share
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (1 month ago) | See Below |
| Future Estimates | Average of up to 7 Analyst Estimates (S&P Global) | See Below |
All data from KRUK Spólka Akcyjna Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in PLN Millions) | EPS * | EPS High Estimate | EPS Low Estimate | Avg. No. Analysts |
|---|---|---|---|---|
| 2023-12-31 | ||||
| 2022-12-31 | ||||
| 2021-12-31 | 17.85 | 22.13 | 14.21 | 3.00 |
| 2020-12-31 | 18.91 | 21.95 | 15.88 | 4.00 |
| 2019-12-31 | 19.03 | 20.23 | 18.29 | 4.00 |
| Date (Data in PLN Millions) | EPS * |
|---|---|
| 2019-03-31 | 17.88 |
| 2018-12-31 | 17.51 |
| 2018-09-30 | 15.04 |
| 2018-06-30 | 14.24 |
| 2018-03-31 | 14.41 |
| 2017-12-31 | 15.74 |
| 2017-09-30 | 19.11 |
| 2017-06-30 | 19.37 |
| 2017-03-31 | 16.87 |
| 2016-12-31 | 14.08 |
| 2016-09-30 | 13.11 |
| 2016-06-30 | 11.95 |
*GAAP earnings excluding extraordinary items.
Future performance checks
We assess KRUK Spólka Akcyjna's future performance by looking at:- Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
- Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Poland market? (1 check)
- Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
- Is the annual earnings growth rate expected to be above 20%? (1 check)
- Is the annual revenue growth rate expected to be above 20%? (1 check)
- Is the Return on Equity in 3 years expected to be over 20%? (1 check)
KRUK Spólka Akcyjna has a total score of 0/6, see the detailed checks below.
Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.
Full details on the Future part of the Simply Wall St company analysis model.
KRU Past Performance
How has KRUK Spólka Akcyjna performed over the past 5 years?
The past performance of a company can be measured by how much
growth
it has experienced and how much profit it makes relative to the funds and assets
it has available.
Past earnings growth
Past Earnings growth analysis
- KRUK Spólka Akcyjna's year on year earnings growth rate has been positive over the past 5 years.
- KRUK Spólka Akcyjna's 1-year earnings growth exceeds its 5-year average (24.7% vs 18.5%)
- KRUK Spólka Akcyjna's earnings growth has exceeded the PL Consumer Finance industry average in the past year (24.7% vs 22%).
Earnings and Revenue History
All data from KRUK Spólka Akcyjna Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in PLN Millions) | Revenue | Net Income * | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 2019-03-31 | 1,185.19 | 337.18 | 149.66 | |
| 2018-12-31 | 1,164.81 | 330.02 | 155.41 | |
| 2018-09-30 | 1,142.04 | 283.00 | 145.30 | |
| 2018-06-30 | 1,112.90 | 267.43 | 146.50 | |
| 2018-03-31 | 1,076.66 | 270.30 | 143.70 | |
| 2017-12-31 | 1,055.45 | 295.10 | 134.71 | |
| 2017-09-30 | 1,048.06 | 354.11 | 127.55 | |
| 2017-06-30 | 989.79 | 354.22 | 115.49 | |
| 2017-03-31 | 886.85 | 303.22 | 95.79 | |
| 2016-12-31 | 783.40 | 248.66 | 83.74 | |
| 2016-09-30 | 704.26 | 229.75 | 74.24 | |
| 2016-06-30 | 665.52 | 207.92 | 64.96 | |
| 2016-03-31 | 638.68 | 214.54 | 60.76 | |
| 2015-12-31 | 611.23 | 204.23 | 54.47 | |
| 2015-09-30 | 569.62 | 185.93 | 49.86 | |
| 2015-06-30 | 510.98 | 159.37 | 47.92 | |
| 2015-03-31 | 501.04 | 162.37 | 43.35 | |
| 2014-12-31 | 487.92 | 151.74 | 49.76 | |
| 2014-09-30 | 470.89 | 143.64 | 56.79 | |
| 2014-06-30 | 470.42 | 147.06 | 58.06 | |
| 2014-03-31 | 429.81 | 117.89 | 58.71 | |
| 2013-12-31 | 405.61 | 97.63 | 56.44 | |
| 2013-09-30 | 400.14 | 107.12 | 55.66 | |
| 2013-06-30 | 382.58 | 99.46 | 56.95 | |
| 2013-03-31 | 358.98 | 86.76 | 52.21 | |
| 2012-12-31 | 342.99 | 81.04 | 51.64 | |
| 2012-09-30 | 328.53 | 68.01 | 39.29 | |
| 2012-06-30 | 309.51 | 59.26 | 54.33 |
*GAAP earnings excluding extraordinary items.
Performance last year
We want to ensure a company is making the most of what it has available. This is
done by comparing the return (profit) to a company's available
funds,
assets
and
capital.
- KRUK Spólka Akcyjna has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- KRUK Spólka Akcyjna used its assets more efficiently than the PL Consumer Finance industry average last year based on Return on Assets.
- KRUK Spólka Akcyjna's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
Past performance checks
We assess KRUK Spólka Akcyjna's performance over the past 5 years by checking for:- Has earnings increased in past 5 years? (1 check)
- Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
- Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
- Is the Return on Equity (ROE) higher than 20%? (1 check)
- Is the Return on Assets (ROA) above industry average? (1 check)
- Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
KRUK Spólka Akcyjna has a total score of 4/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Full details on the Past part of the Simply Wall St company analysis model.
KRU Health
How is KRUK Spólka Akcyjna's financial health and their level of debt?
A company's financial position is much like your own financial position,
it includes everything you own
(assets)
and owe
(liabilities).The boxes below represent the relative size of what makes up KRUK Spólka Akcyjna's finances.
The net worth of a company is the difference between its assets and liabilities.
- KRUK Spólka Akcyjna's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
- KRUK Spólka Akcyjna's long term commitments exceed its cash and other short term assets.
Balance sheet
Assets
Liabilities and shares
- Low level of unsold assets.
- Debt is not covered by short term assets, assets are 0.1x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t
bad,
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
All data from KRUK Spólka Akcyjna Company Filings, last reported 1 month ago.
| Date (Data in PLN Millions) | Total Equity | Total Debt | Cash & Short Term Investments |
|---|---|---|---|
| 2019-03-31 | 1,827.89 | 2,592.28 | 192.45 |
| 2018-12-31 | 1,732.75 | 2,503.91 | 148.75 |
| 2018-09-30 | 1,701.98 | 2,329.04 | 151.57 |
| 2018-06-30 | 1,646.07 | 2,010.47 | 162.48 |
| 2018-03-31 | 1,589.28 | 1,882.55 | 205.28 |
| 2017-12-31 | 1,460.52 | 1,898.60 | 700.88 |
| 2017-09-30 | 1,489.97 | 1,714.05 | 129.59 |
| 2017-06-30 | 1,380.69 | 1,708.48 | 664.86 |
| 2017-03-31 | 1,316.72 | 1,581.37 | 148.27 |
| 2016-12-31 | 1,237.50 | 1,646.41 | 871.04 |
| 2016-09-30 | 960.29 | 1,510.36 | 125.14 |
| 2016-06-30 | 888.92 | 1,288.45 | 785.15 |
| 2016-03-31 | 853.71 | 852.00 | 69.04 |
| 2015-12-31 | 784.28 | 935.60 | 865.57 |
| 2015-09-30 | 738.10 | 817.98 | 52.21 |
| 2015-06-30 | 679.66 | 834.20 | 556.45 |
| 2015-03-31 | 637.92 | 768.59 | 38.16 |
| 2014-12-31 | 585.08 | 841.32 | 932.32 |
| 2014-09-30 | 555.75 | 726.91 | 1,279.17 |
| 2014-06-30 | 529.18 | 828.41 | 1,331.75 |
| 2014-03-31 | 458.82 | 658.40 | 1,356.23 |
| 2013-12-31 | 415.56 | 688.09 | 1,089.17 |
| 2013-09-30 | 402.81 | 619.34 | 1,090.55 |
| 2013-06-30 | 377.82 | 653.78 | 1,033.47 |
| 2013-03-31 | 339.60 | 612.16 | 963.93 |
| 2012-12-31 | 317.63 | 596.38 | 922.74 |
| 2012-09-30 | 288.62 | 522.54 | 836.63 |
| 2012-06-30 | 271.18 | 477.24 | 777.54 |
- KRUK Spólka Akcyjna's level of debt (141.8%) compared to net worth is high (greater than 40%).
- The level of debt compared to net worth has been reduced over the past 5 years (143.7% vs 141.8% today).
- Operating cash flow is negative therefore debt is not well covered.
- Interest payments on debt are well covered by earnings (EBIT is 5.3x coverage).
Financial health checks
We assess KRUK Spólka Akcyjna's financial health by checking for:- Are short term assets greater than short term liabilities? (1 check)
- Are short term assets greater than long term liabilities? (1 check)
- Has the debt to equity ratio increased in the past 5 years? (1 check)
- Is the debt to equity ratio over 40%? (1 check)
- Is the debt covered by operating cash flow? (1 check)
- Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check) KRUK Spólka Akcyjna has a total score of 2/6, see the detailed checks below.
- Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
- Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
Full details on the Health part of the Simply Wall St company analysis model.
KRU Dividends
What is KRUK Spólka Akcyjna's current dividend yield, its reliability and sustainability?
Dividends are regular cash payments to you from the company, similar to a
bank paying you interest on a savings account.
Annual Dividend Income
If you bought
PLN2,000 of
KRUK Spólka Akcyjna
shares you are expected to receive
PLN61
in your first year as a dividend.
Dividend Amount
- KRUK Spólka Akcyjna's pays a higher dividend yield than the bottom 25% of dividend payers in Poland (2.8%).
- KRUK Spólka Akcyjna's dividend is below the markets top 25% of dividend payers in Poland (7.92%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not
wildly increasing/decreasing each year. This graph shows you the historical rate
to count toward your assessment of the stock.We also check to see if the dividend has increased in the past 10 years.
| Data Point | Source | Value |
|---|---|---|
| Past Annualized Dividend Yield | S&P Global Market Data | See Below |
| Past Dividends per Share | Company Filings/ Annualized Dividend Payments | See Below |
| Future Dividends per Share Estimates | Average of up to 7 Analyst Estimates (S&P Global) | See Below |
| Europe Consumer Finance Industry Average Dividend Yield | Market Cap Weighted Average of 22 Stocks | 3.7% |
| Poland Market Average Dividend Yield | Market Cap Weighted Average of 201 Stocks | 4.1% |
| Poland Minimum Threshold Dividend Yield | 10th Percentile | 1.5% |
| Poland Bottom 25% Dividend Yield | 25th Percentile | 2.8% |
| Poland Top 25% Dividend Yield | 75th Percentile | 7.9% |
Industry and Market average data is calculated daily.
Note all dividend per share amounts are annualized and not quarterly or other period.
| Date (Data in PLN) | Dividend per Share (annual) | Avg. No. Analysts |
|---|---|---|
| 2023-12-31 | ||
| 2022-12-31 | ||
| 2021-12-31 | 6.86 | 3.00 |
| 2020-12-31 | 6.77 | 6.00 |
| 2019-12-31 | 5.40 | 6.00 |
| Date (Data in PLN) | Dividend per share (annual) | Avg. Yield (%) |
|---|---|---|
| 2019-03-07 | 5.000 | 3.087 |
| 2018-04-18 | 5.000 | 2.600 |
| 2017-09-05 | 2.000 | 0.797 |
| 2017-02-28 | 2.000 | 0.689 |
| 2016-03-07 | 2.000 | 0.943 |
| 2015-03-16 | 1.500 | 0.904 |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Whilst dividend payments have been stable, KRUK Spólka Akcyjna has been paying a dividend for less than 10 years.
- Dividend payments have increased, but KRUK Spólka Akcyjna only paid a dividend in the past 4 years.
Income/ dividend checks
We assess KRUK Spólka Akcyjna's dividend by checking for:- Firstly is the company paying a notable dividend (greater than 1.5%) - if not then the rest of the checks are ignored.
- Is current dividend yield above the bottom 25% of dividend payers? (1 check)
- Is current dividend yield above the top 25% of dividend payers? (1 check)
- Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
- If they have paid a dividend for 10 years has it increased in this time? (1 check)
- How sustainable is the dividend, can KRUK Spólka Akcyjna afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks) KRUK Spólka Akcyjna has a total score of 3/6, see the detailed checks below.
Full details on the Dividends part of the Simply Wall St company analysis model.
KRU Management
CEO
| COMPENSATION | PLN2,406,180 |
CEO Bio
Mr. Piotr Krupa co-founded KRUK Spolka Akcyjna (alternate name KRUK SA) in 2003 and serves as its President of Management Board and Chief Executive Officer. Mr. Krupa started his professional career in 1997 as a partner in „Kuznicki i Krupa” partnership and remained a partner in this company until 2004. He is a legal counsel. He graduated from the Faculty of Law and Administration at the Wroclaw University in 1996. He completed court training during the years 1997-2000 and legal counsel training during the years 2000-2003. Mr. Krupa also holds a Private Investigator license.
CEO Compensation
- Piotr's compensation has increased by more than 20% in the past year.
- Piotr's remuneration is higher than average for companies of similar size in Poland.
Management Team Tenure
Average tenure of the KRUK Spólka Akcyjna management team in years:
- The average tenure for the KRUK Spólka Akcyjna management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team
Piotr Krupa
President of the Management Board & CEO
PLN2M
Michal Zasepa
CFO & Member of the Management Board
PLN837K
8.9 yrs
Iwona Slomska
Member of the Management Board
PLN773K
10.3 yrs
Agnieszka Kulton
Member of the Management Board
PLN774K
13.3 yrs
Urszula Okarma
Member of the Management Board
PLN773K
13.3 yrs
Damian Babka
Investor Relations & Business Development Manager
Board of Directors Tenure
Average tenure and age of the KRUK Spólka Akcyjna board of directors in years:
- The tenure for the KRUK Spólka Akcyjna board of directors is about average.
Board of Directors
Piotr Stepniak
Chairman of the Supervisory Board
56
Robert Konski
Member of Supervisory Board
52
6.2 yrs
Katarzyna Beuch
Member of Supervisory Board
6.1 yrs
Tomasz Bieske
Member of Supervisory Board
5.8 yrs
Krzysztof Kawalec
Member of Supervisory Board
45
Józef Wancer
Member of Supervisory Board
76
Arkadiusz Jastrzebski
Member of Supervisory Board
6.2 yrs
Who owns this company?
Recent Insider Transactions
| Announced | Type | Name | Entity | Role | Start | End | Shares | Max Price (PLN) | Value (PLN) | |
|---|---|---|---|---|---|---|---|---|---|---|
Management checks
We assess KRUK Spólka Akcyjna's management by checking for:- Is the CEO's compensation unreasonable compared to market cap? (1 check)
- Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
- Is the average tenure of the management team less than 2 years? (1 check)
- Is the average tenure of the board of directors team less than 3 years? (1 check) KRUK Spólka Akcyjna has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.
Note: We use the top 6 management executives and board members in our calculations.
Note 2: Insider trading include any internal stakeholders and these transactions .
Full details on the Management part of the Simply Wall St company analysis model.
KRU News
Simply Wall St News
Don't Sell KRUK Spólka Akcyjna (WSE:KRU) Before You Read This
We'll show how you can use KRUK Spólka Akcyjna's (WSE:KRU) P/E ratio to inform your assessment of the investment opportunity. … KRUK Spólka Akcyjna has a price to earnings ratio of 9.71, based on the last twelve months. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)
Simply Wall St - – Full articleShould You Be Pleased About The CEO Pay At KRUK Spólka Akcyjna's (WSE:KRU)
First, this article will compare CEO compensation with compensation at similar sized companies. … How Does Piotr Krupa's Compensation Compare With Similar Sized Companies. … Our data indicates that KRUK Spólka Akcyjna is worth zł3.2b, and total annual CEO compensation is zł2.4m.
Simply Wall St - – Full articleWhat Kind Of Investor Owns Most Of KRUK Spólka Akcyjna (WSE:KRU)?
A look at the shareholders of KRUK Spólka Akcyjna (WSE:KRU) can tell us which group is most powerful. … With a market capitalization of zł2.9b, KRUK Spólka Akcyjna is a small cap stock, so it might not be well known by many institutional investors. … Check out our latest analysis for KRUK Spólka Akcyjna
Simply Wall St - – Full articleWill KRUK Spólka Akcyjna's (WSE:KRU) Earnings Grow In The Next 12 Months?
Looking at KRUK Spólka Akcyjna's (WSE:KRU) earnings update on 31 December 2018, … with profits predicted to rise by 15% next year … the higher past 5-year average growth rate of 20%.
Simply Wall St - – Full articleAnnouncing: KRUK Spólka Akcyjna Stock Increased An Energizing 102% In The Last Five Years
For example, the KRUK Spólka Akcyjna (WSE:KRU) share price has soared 102% in the last half decade. … One imperfect but simple way to consider how the market perception of a company has shifted is to compare the change in the earnings per share (EPS) with the share price movement. … Over half a decade, KRUK Spólka Akcyjna managed to grow its earnings per share at 19% a year.
Simply Wall St - – Full articleIs KRUK Spólka Akcyjna's (WSE:KRU) High P/E Ratio A Problem For Investors?
We'll look at KRUK Spólka Akcyjna's (WSE:KRU) P/E ratio and reflect on what it tells us about the company's share price. … KRUK Spólka Akcyjna has a P/E ratio of 11.54, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)
Simply Wall St - – Full articleCan We See Significant Insider Ownership On The KRUK Spólka Akcyjna (WSE:KRU) Share Register?
The big shareholder groups in KRUK Spólka Akcyjna (WSE:KRU) have power over the company. … KRUK Spólka Akcyjna has a market capitalization of zł3.2b, so we would expect some institutional investors to have noticed the stock. … Check out our latest analysis for KRUK Spólka Akcyjna
Simply Wall St - – Full articleWhat Does KRUK Spólka Akcyjna's (WSE:KRU) P/E Ratio Tell You?
To keep it practical, we'll show how KRUK Spólka Akcyjna's (WSE:KRU) P/E ratio could help you assess the value on offer. … Based on the last twelve months, KRUK Spólka Akcyjna's P/E ratio is 14.09. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)
Simply Wall St - – Full articleDoes KRUK Spólka Akcyjna's (WSE:KRU) August Stock Price Reflect Its Future Growth?
KRUK Spólka Akcyjna (WSE:KRU) is considered a high growth stock. … View our latest analysis for KRUK Spólka Akcyjna? … Analysts are predicting good growth prospects for KRUK Spólka Akcyjna over the next couple of years
Simply Wall St - – Full articleIs KRUK Spólka Akcyjna (WSE:KRU) A Strong Dividend Stock?
KRUK Spólka Akcyjna (WSE:KRU) has returned to shareholders over the past 3 years, an average dividend yield of 1.00% annually. … Does KRUK Spólka Akcyjna tick all the boxes of a great dividend stock? … View our latest analysis for KRUK Spólka Akcyjna
Simply Wall St - – Full articleKRU Company Info
Description
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, and corporate debts; and offers consumer 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. It is also involved in the provision of Novum loan services, detective services, and financial and agency services and support for small and medium-sized enterprises; collection, processing, and provision of credit information on natural persons and businesses; management of securitized debt and funds; and provision of financial intermediation and business information services, as well as acts as a special-purpose securitization vehicle, which invests in debt or debt-backed assets. The company was founded in 1998 and is headquartered in Wroclaw, Poland.
Details
| Name: | KRUK Spólka Akcyjna |
| KRU | |
| Exchange: | WSE |
| Founded: | 1998 |
| PLN3,102,734,354 | |
| 18,930,655 | |
| Website: | http://www.pl.kruk.eu/ |
| Address: |
KRUK Spólka Akcyjna st. Wolowska 8, Wroclaw, 51-116, Poland |
Listings
| Exchange Symbol | Ticker Symbol | Security | Exchange | Country | Currency | Listed on | |
|---|---|---|---|---|---|---|---|
| WSE | KRU | Ordinary Bearer Shares | Warsaw Stock Exchange | PL | PLN | 10. May 2011 | |
| LSE | 0Q3Y | Ordinary Bearer Shares | London Stock Exchange | GB | PLN | 10. May 2011 |
Number of employees
Current staff
Industry
| Consumer Finance | |
| Diversified Financials |
Company Analysis and Financial Data Status
| Area | Date (UTC time) |
|---|---|
| Company Analysis updated: | 2019/05/19 22:06 |
| End of day share price update: | 2019/05/17 00:00 |
| Last estimates confirmation: | 2019/05/13 |
| Last earnings filing: | 2019/04/25 |
| Last earnings reported: | 2019/03/31 |
| Last annual earnings reported: | 2018/12/31 |
All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.
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.
