KRUK Spólka Akcyjna
Market Cap
zł2.6b
Last Updated
2020/09/21 02:52 UTC
Data Sources
Company Financials +
Executive Summary
KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt for institutional clients in Poland, Romania, Italy, the Czech Republic, Germany, and Spain. More Details
Rewards
Risk Analysis
Snowflake Analysis
Reasonable growth potential with questionable track record.
Similar Companies
Share Price & News
How has KRUK Spólka Akcyjna's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: KRU's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
-3.3%
KRU
-3.2%
PL Consumer Finance
-1.8%
PL Market
1 Year Return
-9.4%
KRU
-9.1%
PL Consumer Finance
-12.8%
PL Market
Return vs Industry: KRU exceeded the Polish Consumer Finance industry which returned -11.6% over the past year.
Return vs Market: KRU exceeded the Polish Market which returned -12.9% over the past year.
Shareholder returns
| KRU | Industry | Market | |
|---|---|---|---|
| 7 Day | -3.3% | -3.2% | -1.8% |
| 30 Day | 5.9% | 5.8% | -4.7% |
| 90 Day | 19.9% | 19.4% | -1.8% |
| 1 Year | -9.4%-9.4% | -9.1%-9.1% | -12.1%-12.8% |
| 3 Year | -49.2%-51.7% | -48.8%-51.3% | -23.8%-28.4% |
| 5 Year | -14.8%-20.3% | -16.1%-21.4% | -8.3%-18.6% |
Price Volatility Vs. Market
How volatile is KRUK Spólka Akcyjna's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall St
Don't Race Out To Buy KRUK Spólka Akcyjna (WSE:KRU) Just Because It's Going Ex-Dividend1 month ago | Simply Wall St
Do Insiders Own Lots Of Shares In KRUK Spólka Akcyjna (WSE:KRU)?1 month ago | Simply Wall St
KRUK Spólka Akcyjna's (WSE:KRU) Price In Tune With EarningsValuation
Is KRUK Spólka Akcyjna undervalued compared to its fair value and its price relative to the market?
28.86x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: KRU (PLN137.5) is trading above our estimate of fair value (PLN75.99)
Significantly Below Fair Value: KRU is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: KRU's PE Ratio (28.9x) is in line with the PL Consumer Finance industry average.
PE vs Market: KRU is poor value based on its PE Ratio (28.9x) compared to the Polish market (12.8x).
Price to Earnings Growth Ratio
PEG Ratio: KRU is good value based on its PEG Ratio (0.8x)
Price to Book Ratio
PB vs Industry: KRU is overvalued based on its PB Ratio (1.3x) compared to the PL Consumer Finance industry average (0.9x).
Next Steps
Future Growth
How is KRUK Spólka Akcyjna forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
36.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: KRU's forecast earnings growth (36.8% per year) is above the savings rate (2.9%).
Earnings vs Market: KRU's earnings (36.8% per year) are forecast to grow faster than the Polish market (14.8% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: KRU's revenue (11.5% per year) is forecast to grow faster than the Polish market (3.8% per year).
High Growth Revenue: KRU's revenue (11.5% per year) is forecast to grow slower than 20% 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 (13.7%).
Next Steps
Past Performance
How has KRUK Spólka Akcyjna performed over the past 5 years?
2.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: KRU has high quality earnings.
Growing Profit Margin: KRU's current net profit margins (8.3%) are lower than last year (26%).
Past Earnings Growth Analysis
Earnings Trend: KRU's earnings have grown by 2% per year over the past 5 years.
Accelerating Growth: KRU's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: KRU had negative earnings growth (-70.6%) over the past year, making it difficult to compare to the Consumer Finance industry average (-63.3%).
Return on Equity
High ROE: KRU's Return on Equity (4.6%) is considered low.
Next Steps
Financial Health
How is KRUK Spólka Akcyjna's financial position?
Financial Position Analysis
Short Term Liabilities: KRU's short term assets (PLN343.4M) do not cover its short term liabilities (PLN689.6M).
Long Term Liabilities: KRU's short term assets (PLN343.4M) do not cover its long term liabilities (PLN1.9B).
Debt to Equity History and Analysis
Debt Level: KRU's debt to equity ratio (117.7%) is considered high.
Reducing Debt: KRU's debt to equity ratio has reduced from 120.5% to 117.7% over the past 5 years.
Debt Coverage: KRU's debt is well covered by operating cash flow (20.1%).
Interest Coverage: KRU's interest payments on its debt are not well covered by EBIT (2.2x coverage).
Balance Sheet
Next Steps
Dividend
What is KRUK Spólka Akcyjna current dividend yield, its reliability and sustainability?
2.60%
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate KRU's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate KRU'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 KRU's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if KRU's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: KRU is not paying a notable dividend for the Polish market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of KRU's dividend in 3 years as they are not forecast to pay a notable one for the Polish market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
zł2m
CEO Compensation
CEO
Piotr Krupa
no data
Tenure
zł2,406,230
Compensation
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 199 ...
CEO Compensation Analysis
Compensation vs Market: Piotr's total compensation ($USD638.90K) is about average for companies of similar size in the Polish market ($USD544.85K).
Compensation vs Earnings: Piotr's compensation has been consistent with company performance over the past year.
Ownership
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.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
KRUK Spólka Akcyjna's company bio, employee growth, exchange listings and data sources
Key Information
- Name: KRUK Spólka Akcyjna
- Ticker: KRU
- Exchange: WSE
- Founded: 1998
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: zł2.609b
- Shares outstanding: 18.97m
- Website: https://www.pl.kruk.eu/
Number of Employees
Location
- KRUK Spólka Akcyjna
- ul. Wolowska 8
- Wroclaw
- 51-116
- Poland
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| KRU | WSE (Warsaw Stock Exchange) | Yes | Ordinary Bearer Shares | PL | PLN | May 2011 |
| 0Q3Y | LSE (London Stock Exchange) | Yes | Ordinary Bearer Shares | GB | PLN | May 2011 |
| KRKK.F | OTCPK (Pink Sheets LLC) | Yes | Ordinary Bearer Shares | US | USD | May 2011 |
Biography
KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt for institutional clients in Poland, Romania, Italy, the Czech Republic, Germany, and Spain. It purchases and manages ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/09/21 02:52 |
| End of Day Share Price | 2020/09/18 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2019/12/31 |
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.