KRUK Spólka Akcyjna Past Earnings Performance

Past criteria checks 4/6

KRUK Spólka Akcyjna has been growing earnings at an average annual rate of 34.6%, while the Consumer Finance industry saw earnings growing at 5.5% annually. Revenues have been growing at an average rate of 10.3% per year. KRUK Spólka Akcyjna's return on equity is 26.2%, and it has net margins of 58.3%.

Key information

34.6%

Earnings growth rate

34.1%

EPS growth rate

Consumer Finance Industry Growth	27.5%
Revenue growth rate	10.3%
Return on equity	26.2%
Net Margin	58.3%
Next Earnings Update	27 Aug 2024

Recent past performance updates

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

Revenue & Expenses Breakdown
Beta

How KRUK Spólka Akcyjna makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

WSE:KRU Revenue, expenses and earnings (PLN Millions)
Date	Revenue	Earnings	G+A Expenses
31 Mar 24	1,866	1,088	-663
31 Dec 23	1,795	984	-617
30 Sep 23	1,724	885	147
30 Jun 23	1,648	844	185
31 Mar 23	1,572	795	237
31 Dec 22	1,492	805	-526
30 Sep 22	1,399	806	119
30 Jun 22	1,315	788	103
31 Mar 22	1,245	811	64
31 Dec 21	1,191	695	158
30 Sep 21	1,152	612	-423
30 Jun 21	1,129	496	-354
31 Mar 21	1,137	271	-104
31 Dec 20	1,159	81	104
30 Sep 20	1,080	66	5
30 Jun 20	1,126	90	86
31 Mar 20	1,149	116	82
31 Dec 19	1,145	276	-21
30 Sep 19	1,219	295	159
30 Jun 19	1,182	308	148
31 Mar 19	1,185	337	150
31 Dec 18	1,165	330	155
30 Sep 18	1,142	283	146
30 Jun 18	1,113	267	147
31 Mar 18	1,077	270	144
31 Dec 17	1,055	295	135
30 Sep 17	1,048	354	128
30 Jun 17	990	354	115
31 Mar 17	887	303	96
31 Dec 16	783	249	84
30 Sep 16	704	230	74
30 Jun 16	666	208	65
31 Mar 16	639	215	61
31 Dec 15	611	204	54
30 Sep 15	570	186	50
30 Jun 15	511	159	48
31 Mar 15	501	162	43
31 Dec 14	488	152	50
30 Sep 14	471	144	57
30 Jun 14	470	147	58
31 Mar 14	430	118	59
31 Dec 13	406	98	56
30 Sep 13	400	107	56
30 Jun 13	383	99	57

Quality Earnings: KRU has a high level of non-cash earnings.

Growing Profit Margin: KRU's current net profit margins (58.3%) are higher than last year (50.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: KRU's earnings have grown significantly by 34.6% per year over the past 5 years.

Accelerating Growth: KRU's earnings growth over the past year (36.8%) exceeds its 5-year average (34.6% per year).

Earnings vs Industry: KRU earnings growth over the past year (36.8%) exceeded the Consumer Finance industry 11.2%.

Return on Equity

High ROE: Whilst KRU's Return on Equity (26.17%) is high, this metric is skewed due to their high level of debt.

KRUK Spólka Akcyjna Past Earnings Performance

Past criteria checks 4/6

Key information

Recent past performance updates

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

Full year 2023 earnings: EPS exceeds analyst expectations

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

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)

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

Recent updates

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

Full year 2020 earnings released: EPS zł4.22 (vs zł14.61 in FY 2019)

Kruk Provides Earnings Guidance for the Fourth Quarter and Full Year of 2020

Kruk Recommends Dividend

New 90-day high: zł188

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

New 90-day high: zł175

Analysts increase revenue estimates to zł1.13b

Revenue & Expenses Breakdown
Beta