OM:INTRUM

Stock Analysis Report

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Executive Summary

Intrum AB (publ), together with its subsidiaries, provides credit management and financial services in Europe and internationally. More Details


Snowflake Analysis

Established dividend payer with reasonable growth potential.


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

Stable Share Price: INTRUM has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

1.9%

INTRUM

0.01%

SE Commercial Services

-1.1%

SE Market


1 Year Return

-9.2%

INTRUM

-8.7%

SE Commercial Services

13.3%

SE Market

Return vs Industry: INTRUM matched the Swedish Commercial Services industry which returned -8.7% over the past year.

Return vs Market: INTRUM underperformed the Swedish Market which returned 13.3% over the past year.


Shareholder returns

INTRUMIndustryMarket
7 Day1.9%0.01%-1.1%
30 Day15.6%4.7%2.0%
90 Day8.6%8.8%6.7%
1 Year-1.2%-9.2%-7.1%-8.7%15.3%13.3%
3 Year-3.1%-17.6%2.2%-5.9%31.2%17.1%
5 Year-0.9%-20.5%25.5%8.2%59.5%28.5%

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

Valuation

Is Intrum undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: INTRUM (SEK244) is trading below our estimate of fair value (SEK1022.86)

Significantly Below Fair Value: INTRUM is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: INTRUM is unprofitable, so we can't compare its PE Ratio to the SE Commercial Services industry average.

PE vs Market: INTRUM is unprofitable, so we can't compare its PE Ratio to the Swedish market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate INTRUM's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: INTRUM is good value based on its PB Ratio (1.5x) compared to the SE Commercial Services industry average (1.8x).


Next Steps

Future Growth

How is Intrum forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

60.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: INTRUM is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (0.5%).

Earnings vs Market: INTRUM is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: INTRUM's is expected to become profitable in the next 3 years.

Revenue vs Market: INTRUM's revenue (8% per year) is forecast to grow faster than the Swedish market (3.3% per year).

High Growth Revenue: INTRUM's revenue (8% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: INTRUM's Return on Equity is forecast to be low in 3 years time (13.7%).


Next Steps

Past Performance

How has Intrum performed over the past 5 years?

-12.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: INTRUM is currently unprofitable.

Growing Profit Margin: INTRUM is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: INTRUM is unprofitable, and losses have increased over the past 5 years at a rate of 12.3% per year.

Accelerating Growth: Unable to compare INTRUM's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: INTRUM is unprofitable, making it difficult to compare its past year earnings growth to the Commercial Services industry (1.5%).


Return on Equity

High ROE: INTRUM has a negative Return on Equity (-5.69%), as it is currently unprofitable.


Next Steps

Financial Health

How is Intrum's financial position?


Financial Position Analysis

Short Term Liabilities: INTRUM's short term assets (SEK8.4B) do not cover its short term liabilities (SEK9.6B).

Long Term Liabilities: INTRUM's short term assets (SEK8.4B) do not cover its long term liabilities (SEK53.1B).


Debt to Equity History and Analysis

Debt Level: INTRUM's debt to equity ratio (234.9%) is considered high.

Reducing Debt: INTRUM's debt to equity ratio has increased from 220.1% to 234.9% over the past 5 years.

Debt Coverage: INTRUM's debt is not well covered by operating cash flow (15.9%).

Interest Coverage: INTRUM is unprofitable, therefore interest payments are not well covered by earnings.


Balance Sheet


Next Steps

Dividend

What is Intrum current dividend yield, its reliability and sustainability?

4.51%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: INTRUM's dividend (4.51%) is higher than the bottom 25% of dividend payers in the Swedish market (1.27%).

High Dividend: INTRUM's dividend (4.51%) is in the top 25% of dividend payers in the Swedish market (4.35%)


Stability and Growth of Payments

Stable Dividend: INTRUM's dividends per share have been stable in the past 10 years.

Growing Dividend: INTRUM's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: INTRUM is paying a dividend but the company is unprofitable.


Future Payout to Shareholders

Future Dividend Coverage: INTRUM's dividends in 3 years are forecast to be covered by earnings (51.9% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.3yrs

Average management tenure


CEO

Anders Engdahl (46 yo)

no data

Tenure

Mr. Anders Engdahl serves as President and Chief Executive Officer at Intrum AB (publ) since October 18, 2020. He has been the Chief Investment Officer of Lindorff Group AB since June 2017. Mr. Engdahl had ...


Leadership Team

NamePositionTenureCompensationOwnership
Mikael Ericson
Executive Officerno datakr13.56m0.058%
SEK 17.7m
Anders Engdahl
President & CEOno datano data0.17%
SEK 50.8m
Michael Ladurner
Acting Chief Financial Officerno datano datano data
Harry Vranjes
Chief Operating Officer0.75yrno data0%
SEK 0
Javier Aranguren
Chief Investment Officer0.67yrno datano data
Johan Brodin
Chief Technology Officerno datano data0.0058%
SEK 1.8m
Viktor Lindeberg
Head of Investor Relations & Business Control1.25yrsno datano data
Niklas Lundquist
Chief Legal Officer9.75yrsno data0.0016%
SEK 502.4k
Lina Claesson
Chief Compliance Officerno datano datano data
Anna Fall
Chief Brand & Communications Officer2yrsno data0.00062%
SEK 188.8k
Karin Woolford
Chief Human Resources Officer0.75yrno datano data
Mats Gustafsson
Acting Regional Managing Director of Scandinavia and Director of Group Business Development12yrsno datano data

1.3yrs

Average Tenure

50.5yo

Average Age

Experienced Management: INTRUM's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Kristoffer Melinder
Director3.25yrskr615.00kno data
Per Larsson
Chairman of the Board3.75yrskr1.34m0.028%
SEK 8.4m
Magnus Yngen
Independent Deputy Chairman3.25yrskr800.00k0.0062%
SEK 1.9m
Ragnhild Wiborg
Independent Director5.5yrskr815.00k0.00025%
SEK 76.1k
Erik Näsvik
Director3.75yrskr765.00kno data
Magdalena Persson
Independent Director2.5yrskr615.00kno data
Hans Torsten Larsson
Independent Director3.25yrskr765.00kno data
Liv Fiksdahl
Independent Director1.5yrskr615.00kno data
Andrés Rubio
Independent Director1.5yrskr615.00kno data

3.3yrs

Average Tenure

55yo

Average Age

Experienced Board: INTRUM's board of directors are considered experienced (3.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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: kr30.450b
  • Shares outstanding: 121.12m
  • Website: https://www.intrum.com

Number of Employees


Location

  • Intrum AB (publ)
  • Hesselmans Torg 14
  • Nacka
  • Stockholm
  • Stockholm County
  • 105 24
  • Sweden

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
INTRUMOM (OMX Nordic Exchange Stockholm)YesShare CapitalSESEKJun 2002
0H9PLSE (London Stock Exchange)YesShare CapitalGBSEKJun 2002
IJUDB (Deutsche Boerse AG)YesShare CapitalDEEURJun 2002
INTRUSBATS-CHIXE (BATS 'Chi-X Europe')YesShare CapitalGBSEKJun 2002
ITJT.YOTCPK (Pink Sheets LLC)UNSPONSORED ADRUSUSDMar 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/23 21:26
End of Day Share Price2020/10/23 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.