KRUK Spólka Akcyjna

WSE:KRU Stock Report

Market Cap: zł8.1b

KRUK Spólka Akcyjna Valuation

Is KRU undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • 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 (PLN418.8) is trading below our estimate of fair value (PLN457.39)

Significantly Below Fair Value: KRU is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for KRU?

Key metric: As KRU is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for KRU. This is calculated by dividing KRU's market cap by their current earnings.
What is KRU's PE Ratio?
PE Ratio6.8x
Earningszł1.19b
Market Capzł8.12b

Price to Earnings Ratio vs Peers

How does KRU's PE Ratio compare to its peers?

The above table shows the PE ratio for KRU vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.2x
XTB XTB
8.7x-4.2%zł8.0b
INS Indos
5.6xn/azł26.4m
KPI Kancelaria Prawna-Inkaso WEC Spólka Akcyjna
23.3xn/azł23.5m
SAWAD Srisawad Corporation
11.3x11.0%฿57.8b
KRU KRUK Spólka Akcyjna
6.8x2.7%zł8.1b

Price-To-Earnings vs Peers: KRU is good value based on its Price-To-Earnings Ratio (6.8x) compared to the peer average (12.2x).

Price to Earnings Ratio vs Industry

How does KRU's PE Ratio compare vs other companies in the European Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
KRU 6.8xIndustry Avg. 9.2xNo. of Companies5PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: KRU is good value based on its Price-To-Earnings Ratio (6.8x) compared to the European Consumer Finance industry average (9.1x).

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.

KRU PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.8x
Fair PE Ratio10x

Price-To-Earnings vs Fair Ratio: KRU is good value based on its Price-To-Earnings Ratio (6.8x) compared to the estimated Fair Price-To-Earnings Ratio (10x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst KRU forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentzł418.80
zł548.96
+31.1%
5.5%zł585.00zł510.00n/a4
Dec ’25zł423.00
zł539.73
+27.6%
5.1%zł585.00zł510.00n/a4
Nov ’25zł429.00
zł539.73
+25.8%
5.1%zł585.00zł510.00n/a4
Oct ’25zł440.60
zł535.73
+21.6%
5.6%zł585.00zł510.00n/a4
Sep ’25zł445.00
zł519.34
+16.7%
1.6%zł532.36zł510.00n/a4
Aug ’25zł435.00
zł519.34
+19.4%
1.6%zł532.36zł510.00n/a4
Jul ’25zł464.20
zł510.34
+9.9%
4.3%zł532.36zł474.00n/a4
Jun ’25zł456.00
zł510.34
+11.9%
4.3%zł532.36zł474.00n/a4
May ’25zł463.80
zł510.34
+10.0%
4.3%zł532.36zł474.00n/a4
Apr ’25zł443.00
zł508.09
+14.7%
4.3%zł532.36zł474.00n/a4
Mar ’25zł425.00
zł508.09
+19.6%
4.3%zł532.36zł474.00n/a4
Feb ’25zł451.40
zł502.34
+11.3%
4.9%zł532.36zł474.00n/a4
Jan ’25zł477.00
zł492.56
+3.3%
3.6%zł521.00zł474.00n/a4
Dec ’24zł462.20
zł492.56
+6.6%
3.6%zł521.00zł474.00zł423.004
Nov ’24zł465.40
zł492.56
+5.8%
3.6%zł521.00zł474.00zł429.004
Oct ’24zł414.00
zł438.18
+5.8%
11.4%zł482.00zł356.00zł440.604
Sep ’24zł411.20
zł437.18
+6.3%
11.2%zł478.00zł356.00zł445.004
Aug ’24zł436.00
zł437.18
+0.3%
11.2%zł478.00zł356.00zł435.004
Jul ’24zł408.00
zł384.18
-5.8%
9.1%zł440.73zł355.00zł464.204
Jun ’24zł382.00
zł371.17
-2.8%
4.2%zł388.66zł355.00zł456.004
May ’24zł375.20
zł371.17
-1.1%
4.2%zł388.66zł355.00zł463.804
Apr ’24zł308.20
zł367.67
+19.3%
3.7%zł388.66zł355.00zł443.004
Mar ’24zł330.60
zł354.90
+7.3%
3.3%zł371.00zł337.58zł425.004
Feb ’24zł346.60
zł345.90
-0.2%
5.6%zł371.00zł319.00zł451.404
Jan ’24zł310.00
zł321.65
+3.8%
9.5%zł356.00zł274.00zł477.004
Dec ’23zł295.20
zł302.90
+2.6%
15.1%zł356.00zł244.00zł462.204

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/19 06:10
End of Day Share Price 2024/12/19 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

KRUK Spólka Akcyjna is covered by 9 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kamil KliszczBiuro maklerskie mBanku
Andrzej PowierzaCitigroup Inc
Henning EsskuchenErste Group Bank AG