KRUK Spólka Akcyjna Future Growth

Future criteria checks 1/6

KRUK Spólka Akcyjna is forecast to grow earnings and revenue by 2.7% and 11.9% per annum respectively. EPS is expected to grow by 1.9% per annum. Return on equity is forecast to be 19.6% in 3 years.

Key information

2.7%

Earnings growth rate

1.9%

EPS growth rate

Consumer Finance earnings growth	21.0%
Revenue growth rate	11.9%
Future return on equity	19.6%
Analyst coverage	Low
Last updated	30 Oct 2024

Recent future growth updates

Recent updates

KRUK Spólka Akcyjna's (WSE:KRU) Earnings Are Not Doing Enough For Some Investors

Aug 14

Here's Why KRUK Spólka Akcyjna (WSE:KRU) Has Caught The Eye Of Investors

Jun 08

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

Earnings and Revenue Growth Forecasts

WSE:KRU - Analysts future estimates and past financials data (PLN Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	3,535	1,259	88	183	4
12/31/2025	3,252	1,166	-65	42	4
12/31/2024	3,070	1,154	-342	-297	1
9/30/2024	2,071	1,186	-234	-202	N/A
6/30/2024	1,970	1,059	-405	-377	N/A
3/31/2024	1,881	1,088	-568	-524	N/A
12/31/2023	1,795	984	-828	-785	N/A
9/30/2023	1,724	885	-968	-914	N/A
6/30/2023	1,648	844	-763	-715	N/A
3/31/2023	1,572	795	-747	-714	N/A
12/31/2022	1,492	805	-602	-568	N/A
9/30/2022	1,399	806	-563	-545	N/A
6/30/2022	1,315	788	-390	-367	N/A
3/31/2022	1,245	811	-388	-368	N/A
12/31/2021	1,191	695	-305	-289	N/A
9/30/2021	1,152	612	44	62	N/A
6/30/2021	1,129	496	370	381	N/A
3/31/2021	1,137	271	710	727	N/A
12/31/2020	1,159	81	727	744	N/A
9/30/2020	1,080	66	634	651	N/A
6/30/2020	1,126	90	428	469	N/A
3/31/2020	1,149	116	326	371	N/A
12/31/2019	1,145	276	161	209	N/A
9/30/2019	1,219	295	157	203	N/A
6/30/2019	1,182	308	-234	-207	N/A
3/31/2019	1,185	337	-459	-426	N/A
12/31/2018	1,165	330	-430	-402	N/A
9/30/2018	1,142	283	-412	-377	N/A
6/30/2018	1,113	267	N/A	7	N/A
3/31/2018	1,077	270	N/A	-103	N/A
12/31/2017	1,055	295	N/A	-223	N/A
9/30/2017	1,048	354	N/A	-212	N/A
6/30/2017	990	354	N/A	-464	N/A
3/31/2017	887	303	N/A	-693	N/A
12/31/2016	783	249	N/A	-623	N/A
9/30/2016	704	230	N/A	-528	N/A
6/30/2016	666	208	N/A	-318	N/A
3/31/2016	639	215	N/A	14	N/A
12/31/2015	611	204	N/A	41	N/A
9/30/2015	570	186	N/A	-21	N/A
6/30/2015	511	159	N/A	41	N/A
3/31/2015	501	162	N/A	-89	N/A
12/31/2014	488	152	N/A	-62	N/A
9/30/2014	471	144	N/A	-39	N/A
6/30/2014	470	147	N/A	-74	N/A
3/31/2014	430	118	N/A	16	N/A
12/31/2013	406	98	N/A	-37	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: KRU's forecast earnings growth (2.7% per year) is below the savings rate (4.1%).

Earnings vs Market: KRU's earnings (2.7% per year) are forecast to grow slower than the Polish market (16.1% per year).

High Growth Earnings: KRU's earnings are forecast to grow, but not significantly.

Revenue vs Market: KRU's revenue (11.9% per year) is forecast to grow faster than the Polish market (4% per year).

High Growth Revenue: KRU's revenue (11.9% 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 (19.6%).

KRUK Spólka Akcyjna Future Growth

Future criteria checks 1/6

Key information

Recent future growth updates

KRUK S.A. Provides Consolidated Earnings Guidance for the Third Quarter of 2024

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

Price target increased by 9.7% to zł479

Price target increased by 12% to zł415

Price target increased by 14% to zł346

Price target decreased to zł301

Recent updates

Third quarter 2024 earnings released: EPS: zł18.42 (vs zł11.84 in 3Q 2023)

KRUK S.A. Provides Consolidated Earnings Guidance for the Third Quarter of 2024

KRUK Spólka Akcyjna to Report Q3, 2024 Results on Oct 29, 2024

Second quarter 2024 earnings released: EPS: zł13.69 (vs zł15.20 in 2Q 2023)

KRUK Spólka Akcyjna's (WSE:KRU) Earnings Are Not Doing Enough For Some Investors

Now 20% undervalued after recent price drop

Here's Why KRUK Spólka Akcyjna (WSE:KRU) Has Caught The Eye Of Investors

KRUK Spólka Akcyjna Approves Dividend for the Year 2023, Payable on May 20, 2024

First quarter 2024 earnings released: EPS: zł17.51 (vs zł12.13 in 1Q 2023)

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

Kruk Provides Earnings Guidance for the First Quarter of 2021