KRUK Spólka Akcyjna Valuation
Is KRU undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of KRU when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: KRU (PLN472.8) is trading above our estimate of fair value (PLN397.93)
Significantly Below Fair Value: KRU is trading above our estimate of fair value.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for KRU?
Other financial metrics that can be useful for relative valuation.
| What is KRU's n/a Ratio? | |
|---|---|
| n/a | 0x |
| n/a | n/a |
| Market Cap | zł9.13b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 7.9x |
| Enterprise Value/EBITDA | 8.4x |
| PEG Ratio | 0.8x |
Price to Earnings Ratio vs Peers
How does KRU's PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 9.8x | ||
XTB XTB | 9.7x | -8.2% | zł7.7b |
INS Indos | 4.3x | n/a | zł24.9m |
GSY goeasy | 12.5x | 14.3% | CA$3.1b |
CHOLAHLDNG Cholamandalam Financial Holdings | 12.7x | n/a | ₹210.9b |
KRU KRUK Spólka Akcyjna | 9.3x | 11.8% | zł9.1b |
Price-To-Earnings vs Peers: KRU is good value based on its Price-To-Earnings Ratio (9.3x) compared to the peer average (9.8x).
Price to Earnings Ratio vs Industry
How does KRU's PE Ratio compare vs other companies in the European Consumer Finance Industry?
Price-To-Earnings vs Industry: KRU is expensive based on its Price-To-Earnings Ratio (9.3x) compared to the European Consumer Finance industry average (8.8x).
Price to Earnings Ratio vs Fair Ratio
What is KRU's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 9.3x |
| Fair PE Ratio | 11.9x |
Price-To-Earnings vs Fair Ratio: KRU is good value based on its Price-To-Earnings Ratio (9.3x) compared to the estimated Fair Price-To-Earnings Ratio (11.9x).
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | zł472.80 | zł510.34 +7.9% | 4.3% | zł532.36 | zł474.00 | n/a | 4 |
| Apr ’25 | zł443.00 | zł508.09 +14.7% | 4.3% | zł532.36 | zł474.00 | n/a | 4 |
| Mar ’25 | zł425.00 | zł508.09 +19.6% | 4.3% | zł532.36 | zł474.00 | n/a | 4 |
| Feb ’25 | zł451.40 | zł502.34 +11.3% | 4.9% | zł532.36 | zł474.00 | n/a | 4 |
| Jan ’25 | zł477.00 | zł492.56 +3.3% | 3.6% | zł521.00 | zł474.00 | n/a | 4 |
| Dec ’24 | zł462.20 | zł492.56 +6.6% | 3.6% | zł521.00 | zł474.00 | n/a | 4 |
| Nov ’24 | zł465.40 | zł492.56 +5.8% | 3.6% | zł521.00 | zł474.00 | n/a | 4 |
| Oct ’24 | zł414.00 | zł438.18 +5.8% | 11.4% | zł482.00 | zł356.00 | n/a | 4 |
| Sep ’24 | zł411.20 | zł437.18 +6.3% | 11.2% | zł478.00 | zł356.00 | n/a | 4 |
| Aug ’24 | zł436.00 | zł437.18 +0.3% | 11.2% | zł478.00 | zł356.00 | n/a | 4 |
| Jul ’24 | zł408.00 | zł384.18 -5.8% | 9.1% | zł440.73 | zł355.00 | n/a | 4 |
| Jun ’24 | zł382.00 | zł371.17 -2.8% | 4.2% | zł388.66 | zł355.00 | n/a | 4 |
| May ’24 | zł375.20 | zł371.17 -1.1% | 4.2% | zł388.66 | zł355.00 | zł463.80 | 4 |
| Apr ’24 | zł308.20 | zł367.67 +19.3% | 3.7% | zł388.66 | zł355.00 | zł443.00 | 4 |
| Mar ’24 | zł330.60 | zł354.90 +7.3% | 3.3% | zł371.00 | zł337.58 | zł425.00 | 4 |
| Feb ’24 | zł346.60 | zł345.90 -0.2% | 5.6% | zł371.00 | zł319.00 | zł451.40 | 4 |
| Jan ’24 | zł310.00 | zł321.65 +3.8% | 9.5% | zł356.00 | zł274.00 | zł477.00 | 4 |
| Dec ’23 | zł295.20 | zł302.90 +2.6% | 15.1% | zł356.00 | zł244.00 | zł462.20 | 4 |
| Nov ’23 | zł278.40 | zł301.39 +8.3% | 14.8% | zł355.50 | zł244.00 | zł465.40 | 4 |
| Oct ’23 | zł236.00 | zł329.26 +39.5% | 23.2% | zł439.00 | zł244.00 | zł414.00 | 4 |
| Sep ’23 | zł288.00 | zł292.67 +1.6% | 16.8% | zł360.02 | zł244.00 | zł411.20 | 3 |
| Aug ’23 | zł257.60 | zł292.67 +13.6% | 16.8% | zł360.02 | zł244.00 | zł436.00 | 3 |
| Jul ’23 | zł239.20 | zł335.52 +40.3% | 23.4% | zł435.55 | zł244.00 | zł408.00 | 3 |
| Jun ’23 | zł263.80 | zł386.89 +46.7% | 13.1% | zł439.00 | zł327.00 | zł382.00 | 4 |
| May ’23 | zł255.00 | zł386.89 +51.7% | 13.1% | zł439.00 | zł327.00 | zł375.20 | 4 |
Analyst Forecast: Target price is less than 20% higher than the current share price.