Market Cap
kr30.4b
Last Updated
2019/08/20 20:40 UTC
Data Sources
Company Financials +
Executive Summary
Intrum AB (publ), together with its subsidiaries, provides credit management and financial services in Europe and internationally.
Snowflake
Fundamentals
Established dividend payer and good value.
Similar Companies
Share Price & News
How has Intrum's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0.3%
OM:INTRUM
0.1%
SE Commercial Services
0.2%
SE Market
1 Year Return
-3.8%
OM:INTRUM
-0.9%
SE Commercial Services
-1.9%
SE Market
INTRUM underperformed the Commercial Services industry which returned -0.9% over the past year.
INTRUM underperformed the Market in Sweden which returned -1.9% over the past year.
Share holder returns
| INTRUM | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.3% | 0.1% | 0.2% |
| 30 Day | -9.3% | -7.7% | -3.7% |
| 90 Day | -0.5% | -4.5% | -1.5% |
| 1 Year | -0.1%-3.8% | 2.1%-0.9% | 2.2%-1.9% |
| 3 Year | -5.2%-15.0% | 10.4%0.7% | 26.0%7.4% |
| 5 Year | 24.7%5.6% | 59.2%34.8% | 45.6%14.9% |
Price Volatility Vs. Market
How volatile is Intrum's share price compared to the market and industry in the last 5 years?
Simply Wall St News
7 months ago | Simply Wall St
Intrum AB (publ) (STO:INTRUM) Delivered A Weaker ROE Than Its Industry9 months ago | Simply Wall St
Intrum AB (publ) (STO:INTRUM)'s Return on Capital11 months ago | Simply Wall St
How Confident Are Insiders About Intrum AB (publ) (STO:INTRUM)?Valuation
Is Intrum undervalued based on future cash flows and its price relative to the stock market?
19%
Discount to future cash flow value
Intrinsic Value Based on Future Cash Flows
Intrum's share price is below the future cash flow value, but not at a moderate discount (< 20%).
Intrum's share price is below the future cash flow value, but not at a substantial discount (< 40%).
Price Based on Earnings
Intrum is good value based on earnings compared to the SE Commercial Services industry average.
Intrum is good value based on earnings compared to the Sweden market.
Price Based on Expected Growth
Intrum is good value based on expected growth next year.
Price Based on Value of Assets
Intrum is good value based on assets compared to the SE Commercial Services industry average.
Next Steps
Future Growth
How is Intrum expected to perform in the next 1 to 3 years based on estimates from 4 analysts?
20.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Intrum's revenue is expected to grow by 10.2% yearly, however this is not considered high growth (20% yearly).
Intrum's earnings are expected to grow significantly at over 20% yearly.
Intrum's revenue growth is expected to exceed the Sweden market average.
Intrum's earnings growth is expected to exceed the Sweden market average.
Intrum's earnings growth is expected to exceed the low risk savings rate of 0.4%.
Earnings per Share Growth Estimates
Future Return on Equity
Intrum is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
Next Steps
Past Performance
How has Intrum performed over the past 5 years?
17.7%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Intrum's year on year earnings growth rate has been positive over the past 5 years.
Intrum's 1-year earnings growth is less than its 5-year average (15.6% vs 17.7%)
Intrum's earnings growth has exceeded the SE Commercial Services industry average in the past year (15.6% vs 3.2%).
Return on Equity
Intrum has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Intrum used its assets more efficiently than the SE Commercial Services industry average last year based on Return on Assets.
Return on Capital Employed
Intrum's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
Next Steps
Financial Health
How is Intrum's financial position?
Financial Position Analysis
Intrum's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
Intrum's long term commitments exceed its cash and other short term assets.
Debt to Equity History and Analysis
Intrum's level of debt (171.3%) compared to net worth is high (greater than 40%).
The level of debt compared to net worth has been reduced over the past 5 years (185.1% vs 171.3% today).
Debt is not well covered by operating cash flow (13.7%, less than 20% of total debt).
Interest payments on debt are not well covered by earnings (EBIT is 2.8x annual interest expense, ideally 3x coverage).
Balance Sheet
Low level of unsold assets.
Debt is not covered by short term assets, assets are 0.2x debt.
Next Steps
Dividend
What is Intrum's current dividend yield, its reliability and sustainability?
5.89%
Expected Dividend Yield
Dividend Yield and Payments Analysis
Intrum's pays a higher dividend yield than the bottom 25% of dividend payers in Sweden (1.93%).
Intrum's dividend is below the markets top 25% of dividend payers in Sweden (4.5%).
Dividends per share have been stable in the past 10 years.
Dividends per share have increased over the past 10 years.
Current Payout to Shareholders
Dividends paid are covered by earnings (1.9x coverage).
Future Payout to Shareholders
Dividends after 3 years are expected to be well covered by earnings (2.1x coverage).
Next Steps
Management
What is the CEO of Intrum's salary, the management and board of directors tenure and is there insider trading?
2.8yrs
Average management tenure
CEO
Mikael Ericson (59yo)
3.4yrs
Tenure
kr13,131,000
Compensation
Mr. Mikael Ericson has been Chief Executive Officer and President of Lindorff Group AB since June 2017. Mr. Ericson has been the Chief Executive Officer and President of Intrum Justitia AB since March 1, 2 ...
CEO Compensation Analysis
Mikael's remuneration is higher than average for companies of similar size in Sweden.
Mikael's compensation has been consistent with company performance over the past year, both up more than 20%.
Management Age and Tenure
2.8yrs
Average Tenure
49.5yo
Average Age
The tenure for the Intrum management team is about average.
Board Age and Tenure
2.1yrs
Average Tenure
58yo
Average Age
The average tenure for the Intrum board of directors is less than 3 years, this suggests a new board.
Insider Trading
No 3 month open market individual insider trading information.
Recent Insider Transactions
| Entity | Individual |
| Role | Chief Financial Officer Chief Financial Officer |
| Shares | 4,000 |
| Max Price | kr242.94 |
| Entity | Individual |
| Role | Chief Executive Officer CEO & President |
| Shares | 2,000 |
| Max Price | kr245.00 |
| Entity | Individual |
| Shares | 40,000 |
| Max Price | kr278.50 |
| Entity | Individual |
| Role | Chief Financial Officer Chief Financial Officer |
| Shares | 50,000 |
| Max Price | kr222.94 |
Ownership Breakdown
Management Team
Mats Gustafsson
Acting Regional Managing Director of Scandinavia and Director of Group Business Development
- Tenure: 10.8yrs
Mikael Ericson (59yo)
CEO & President
- Tenure: 3.4yrs
- Compensation: kr13.13m
Niklas Lundquist (49yo)
Chief Legal Officer
- Tenure: 2.2yrs
Cathrine Klouman (57yo)
Chief Operating Officer
- Tenure: 2.2yrs
Johan Brodin (51yo)
Chief Risk Officer
- Tenure: 7.8yrs
Harry Vranjes (49yo)
Head of Credit Management Services
- Tenure: 11.6yrs
Jean-Luc Ferraton (46yo)
Chief Human Resources Officer
- Tenure: 7.3yrs
Anders Engdahl (45yo)
Chief Financial Officer
- Tenure: 0.3yrs
Anna Fall (50yo)
Chief Brand & Communications Officer
- Tenure: 0.8yrs
Viktor Lindeberg
Head of Investor Relations
- Tenure: 0.1yrs
Board Members
Kristoffer Melinder (48yo)
Director
- Tenure: 2.1yrs
- Compensation: kr600.00k
Per Larsson (58yo)
Chairman
- Tenure: 2.6yrs
- Compensation: kr1.31m
Magnus Yngen (61yo)
Deputy Chairman
- Tenure: 2.1yrs
- Compensation: kr700.00k
Ragnhild Wiborg (58yo)
Director
- Tenure: 4.3yrs
- Compensation: kr800.00k
Erik Näsvik (44yo)
Director
- Tenure: 2.6yrs
- Compensation: kr600.00k
Magdalena Persson (48yo)
Director
- Tenure: 1.3yrs
- Compensation: kr600.00k
Hans Torsten Larsson (58yo)
Director
- Tenure: 2.1yrs
- Compensation: kr750.00k
Liv Fiksdahl
Director
- Tenure: 0.3yrs
Andrés Rubio
Director
- Tenure: 0.3yrs
Company Information
Intrum AB (publ)'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Intrum AB (publ)
- Ticker: INTRUM
- Exchange: OM
- Founded: 1923
- Industry: Diversified Support Services
- Sector: Commercial Services
- Market Cap: kr30.365b
- Shares outstanding: 130.94m
- Website: https://www.intrum.com
Number of Employees
Location
- Intrum AB (publ)
- Hesselmans Torg 14
- Nacka
- Stockholm
- Stockholm County
- 105 24
- Sweden
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| INTRUM | OM (OMX Nordic Exchange Stockholm) | Yes | Share Capital | SE | SEK | Jun 2002 |
| 0H9P | LSE (London Stock Exchange) | Yes | Share Capital | GB | SEK | Jun 2002 |
| IJU | DB (Deutsche Boerse AG) | Yes | Share Capital | DE | EUR | Jun 2002 |
| ITJT.Y | OTCPK (Pink Sheets LLC) | UNSPONSORED ADR | US | USD | Mar 2013 |
Biography
Intrum AB (publ), together with its subsidiaries, provides credit management and financial services in Europe and internationally. The company offers credit optimization services, including credit monitori ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/20 20:40 |
| End of Day Share Price | 2019/08/20 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.