KRUK Spólka Akcyjna (WSE:KRU) - Stock Price, News & Analysis

KRU Stock Overview

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally.

About the company

KRU fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	3/6
Past Performance	3/6
Financial Health	1/6
Dividends	2/6

Rewards

Price-To-Earnings ratio (9.3x) is below the Polish market (12.1x)

Earnings are forecast to grow 11.78% per year

Earnings grew by 22.2% over the past year

Risk Analysis

Debt is not well covered by operating cash flow

High level of non-cash earnings

Dividend of 3.81% is not well covered by cash flows

KRUK Spólka Akcyjna Competitors

XTB

WSE:XTB

zł7.7b

Indos

WSE:INS

zł24.9m

goeasy

TSX:GSY

CA$3.1b

Cholamandalam Financial Holdings

NSEI:CHOLAHLDNG

₹206.5b

Price History & Performance

Summary of all time highs, changes and price drops for KRUK Spólka Akcyjna
Historical stock prices
Current Share Price	zł472.80
52 Week High	zł492.20
52 Week Low	zł364.00
Beta	1.39
1 Month Change	4.05%
3 Month Change	4.05%
1 Year Change	24.62%
3 Year Change	154.47%
5 Year Change	193.66%
Change since IPO	1,033.54%

This Is The Reason Why We Think KRUK Spólka Akcyjna's (WSE:KRU) CEO Might Be Underpaid

May 04

Recent updates

This Is The Reason Why We Think KRUK Spólka Akcyjna's (WSE:KRU) CEO Might Be Underpaid

May 04

With EPS Growth And More, KRUK Spólka Akcyjna (WSE:KRU) Makes An Interesting Case

Jan 05

Here's Why We Think KRUK Spólka Akcyjna (WSE:KRU) Is Well Worth Watching

Aug 12

Does KRUK Spólka Akcyjna (WSE:KRU) Deserve A Spot On Your Watchlist?

Apr 28

What Type Of Shareholders Make Up KRUK Spólka Akcyjna's (WSE:KRU) Share Registry?

Feb 24

What Type Of Returns Would KRUK Spólka Akcyjna's(WSE:KRU) Shareholders Have Earned If They Purchased Their SharesThree Years Ago?

Dec 31

What Type Of Shareholders Make Up KRUK Spólka Akcyjna's (WSE:KRU) Share Registry?

Nov 26

Shareholder Returns

	KRU	PL Consumer Finance	PL Market
7D	1.9%	2.7%	1.1%
1Y	24.6%	25.2%	27.5%

Return vs Industry: KRU matched the Polish Consumer Finance industry which returned 25.2% over the past year.

Return vs Market: KRU underperformed the Polish Market which returned 27.5% over the past year.

Price Volatility

Is KRU's price volatile compared to industry and market?
KRU volatility
KRU Average Weekly Movement	4.9%
Consumer Finance Industry Average Movement	5.8%
Market Average Movement	5.2%
10% most volatile stocks in PL Market	9.6%
10% least volatile stocks in PL Market	3.2%

Stable Share Price: KRU has not had significant price volatility in the past 3 months.

Volatility Over Time: KRU's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1998	3,383	Piotr Krupa	www.pl.kruk.eu

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Consumer Debts, Mortgage Debts, and Corporate Debts segments. It offers credit management services to banks, telecommunication operators, insurers, and others.

KRUK Spólka Akcyjna Fundamentals Summary

How do KRUK Spólka Akcyjna's earnings and revenue compare to its market cap?
KRU fundamental statistics
Market cap	zł9.13b
Earnings (TTM)	zł983.93m
Revenue (TTM)	zł1.79b

9.3x

P/E Ratio

5.1x

P/S Ratio

Is KRU overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
KRU income statement (TTM)
Revenue	zł1.79b
Cost of Revenue	zł602.36m
Gross Profit	zł1.19b
Other Expenses	zł208.49m
Earnings	zł983.93m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

May 08, 2024

Earnings per share (EPS)	50.93
Gross Margin	66.44%
Net Profit Margin	54.82%
Debt/Equity Ratio	144.9%

How did KRU perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

35%

Payout Ratio

Does KRU pay a reliable dividends?

See KRU dividend history and benchmarks

When do you need to buy KRU by to receive an upcoming dividend?
KRUK Spólka Akcyjna dividend dates
Ex Dividend Date	May 14 2024
Dividend Pay Date	May 20 2024
Days until Ex dividend	6 days
Days until Dividend pay date	12 days

Does KRU pay a reliable dividends?

See KRU dividend history and benchmarks

KRU Stock Overview

Rewards

Risk Analysis

KRUK Spólka Akcyjna Competitors

WSE:XTB

zł7.7b

WSE:INS

zł24.9m

TSX:GSY

CA$3.1b

NSEI:CHOLAHLDNG

₹206.5b

Price History & Performance

Recent News & Updates

Upcoming dividend of zł18.00 per share

This Is The Reason Why We Think KRUK Spólka Akcyjna's (WSE:KRU) CEO Might Be Underpaid

Kruk Group Provides Consolidated Earnings Guidance for the First Quarter of 2024

KRUK Spólka Akcyjna, Annual General Meeting, May 10, 2024

Full year 2023 earnings: EPS exceeds analyst expectations

Kruk S.A. Proposes Dividend

Recent updates

Upcoming dividend of zł18.00 per share

This Is The Reason Why We Think KRUK Spólka Akcyjna's (WSE:KRU) CEO Might Be Underpaid

Kruk Group Provides Consolidated Earnings Guidance for the First Quarter of 2024

KRUK Spólka Akcyjna, Annual General Meeting, May 10, 2024

Full year 2023 earnings: EPS exceeds analyst expectations

Kruk S.A. Proposes Dividend

Full year 2023 earnings released: EPS: zł52.41 (vs zł42.07 in FY 2022)

Many Still Looking Away From KRUK Spólka Akcyjna (WSE:KRU)

Here's Why We Think KRUK Spólka Akcyjna (WSE:KRU) Is Well Worth Watching

KRUK Spólka Akcyjna to Report Q1, 2024 Results on May 08, 2024

Third quarter 2023 earnings released: EPS: zł11.84 (vs zł9.82 in 3Q 2022)

Price target increased by 9.7% to zł479

Upcoming dividend of zł15.00 per share at 3.8% yield

Do KRUK Spólka Akcyjna's (WSE:KRU) Earnings Warrant Your Attention?

Second quarter 2023 earnings released: EPS: zł15.20 (vs zł12.83 in 2Q 2022)

KRUK Spólka Akcyjna (WSE:KRU) and GESCOBRO COLLECTION SERVICES, S.L.U. agreed to acquire Portfolio of unsecured unpaid loans from Banco Bilbao Vizcaya Argentaria, S.A. (BME:BBVA).

Price target increased by 12% to zł415

KRUK Spólka Akcyjna to Report Q2, 2023 Results on Aug 10, 2023

KRUK Spólka Akcyjna to Report Q2, 2023 Results on Aug 10, 2023

Now 20% undervalued

Now 21% undervalued

KRUK Spólka Akcyjna, Annual General Meeting, Jun 20, 2023

Does KRUK Spólka Akcyjna (WSE:KRU) Deserve A Spot On Your Watchlist?

Full year 2022 earnings released: EPS: zł42.07 (vs zł36.63 in FY 2021)

Price target increased by 14% to zł346

KRUK Spólka Akcyjna to Report Q1, 2023 Results on Apr 26, 2023

CRIF S.p.A. signed an agreement to acquire EBS Sp. z o.o. and ERIF Biuro Informacji Gospodarczej S.A. from KRUK Spólka Akcyjna (WSE:KRU).

With EPS Growth And More, KRUK Spólka Akcyjna (WSE:KRU) Makes An Interesting Case

Credit Factor SpA and KRUK Spólka Akcyjna (WSE:KRU) reached an agreement to acquire Non-performing unsecured individual credit portfolio, in Italy from UniCredit S.p.A. (BIT:UCG).

Third quarter 2022 earnings released: EPS: zł9.82 (vs zł8.92 in 3Q 2021)

Price target decreased to zł301

KRUK Spólka Akcyjna (WSE:KRU) signed purchase agreement to acquire Three Debt Portfolios of BNP Paribas of nominal value of EUR 85.2 million from BNP Paribas Bank Polska S.A. (WSE:BNP).

KRUK Spólka Akcyjna (WSE:KRU) signed a purchase agreement to acquire Three Debt Portfolios of BNP Paribas of Nominal Value of EUR 85.2 million from BNP Paribas Bank Polska S.A. (WSE:BNP).

Second quarter 2022 earnings released: EPS: zł12.83 (vs zł14.12 in 2Q 2021)

Here's Why We Think KRUK Spólka Akcyjna (WSE:KRU) Is Well Worth Watching

Price target decreased to zł336

Now 22% undervalued after recent price drop

Now 20% undervalued after recent price drop

First quarter 2022 earnings: EPS exceeds analyst expectations

Does KRUK Spólka Akcyjna (WSE:KRU) Deserve A Spot On Your Watchlist?

Kruk Financials Approves Dividend for 2021, Payable on April 28

Upcoming dividend of zł13.00 per share

Investor sentiment improved over the past week

Full year 2021 earnings: EPS exceeds analyst expectations

Now 23% undervalued after recent price drop

Investor sentiment deteriorated over the past week

Price target increased to zł400

KRUK Spólka Akcyjna (WSE:KRU) entered into agreement to acquire Portfolio of unsecured retail debt and portfolio of secured and unsecured mortgage debt from Getin Noble Bank S.A. (WSE:GNB) for approximately PLN 860 million.

KRUK Spólka Akcyjna (WSE:KRU) agreed to acquire Unsecured Retail Debt Portfolio In Italy from Deutsche Bank S.p.A.

Third quarter 2021 earnings released: EPS zł8.92 (vs zł2.83 in 3Q 2020)

Price target increased to zł316

Second quarter 2021 earnings released: EPS zł14.12 (vs zł2.26 in 2Q 2020)

Investor sentiment improved over the past week

Consensus EPS estimates increase to zł30.03

MBCredit Solutions S.p.A. and KRUK Spólka Akcyjna (WSE:KRU) entered into an agreement to acquire Unsecured Individual Non-Performing Credit Portfolio of UniCredit from UniCredit S.p.A. (BIT:UCG).

Upcoming dividend of zł11.00 per share

Consensus EPS estimates increase to zł21.82

First quarter 2021 earnings released: EPS zł6.70 (vs zł3.28 loss in 1Q 2020)

Investor sentiment improved over the past week