Market Cap
kr25.5b
Last Updated
2020/08/06 21:23 UTC
Data Sources
Company Financials +
Executive Summary
Intrum AB (publ), together with its subsidiaries, provides credit management and financial services in Europe and internationally.
Rewards
Risk Analysis
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's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
-0.7%
INTRUM
-0.1%
SE Commercial Services
2.3%
SE Market
1 Year Return
-10.6%
INTRUM
-9.5%
SE Commercial Services
14.8%
SE Market
Return vs Industry: INTRUM underperformed the Swedish Commercial Services industry which returned -8.5% over the past year.
Return vs Market: INTRUM underperformed the Swedish Market which returned 16.5% over the past year.
Shareholder returns
| INTRUM | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.7% | -0.1% | 2.3% |
| 30 Day | 11.7% | 6.8% | 2.8% |
| 90 Day | 58.6% | 15.6% | 15.9% |
| 1 Year | -2.8%-10.6% | -7.9%-9.5% | 16.6%14.8% |
| 3 Year | -2.7%-17.2% | 1.6%-6.3% | 28.9%15.3% |
| 5 Year | -10.9%-28.6% | 5.8%-9.1% | 41.7%13.5% |
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
3 weeks ago | Simply Wall St
What You Need To Know About Intrum AB (publ)'s (STO:INTRUM) Investor Composition1 month ago | Simply Wall St
Intrum (STO:INTRUM) Has A Somewhat Strained Balance Sheet4 months ago | Simply Wall St
Does Intrum AB (publ)'s (STO:INTRUM) CEO Salary Compare Well With Others?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 (SEK210.6) is trading below our estimate of fair value (SEK837.77)
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 (1.3x) compared to the SE Commercial Services industry average (1.6x).
Next Steps
Future Growth
How is Intrum forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
56.3%
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 (9.4% per year) is forecast to grow faster than the Swedish market (6.3% per year).
High Growth Revenue: INTRUM's revenue (9.4% 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 (14%).
Next Steps
Past Performance
How has Intrum performed over the past 5 years?
-10.5%
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 10.5% 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 (-3.6%).
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?
5.22%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: INTRUM's dividend (5.22%) is higher than the bottom 25% of dividend payers in the Swedish market (1.36%).
High Dividend: INTRUM's dividend (5.22%) is in the top 25% of dividend payers in the Swedish market (4.97%)
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 (53.9% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
1.2yrs
Average management tenure
CEO
Mikael Ericson (59 yo)
4.42yrs
Tenure
kr13,556,000
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 AB (publ) (formerly known as ...
CEO Compensation Analysis
Compensation vs Market: Mikael's total compensation ($USD1.56M) is about average for companies of similar size in the Swedish market ($USD1.28M).
Compensation vs Earnings: Mikael's compensation has increased whilst the company is unprofitable.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & President | 4.42yrs | kr13.56m | 0.058% SEK 14.8m | |
| Chief Financial Officer | 1.17yrs | no data | 0.17% SEK 42.5m | |
| Chief Operating Officer | 0.58yr | no data | no data | |
| Chief Investment Officer | 0.50yr | no data | no data | |
| Chief Risk Officer & CTO | no data | no data | 0.0058% SEK 1.5m | |
| Head of Investor Relations | 1.08yrs | no data | no data | |
| Chief Legal Officer | 9.58yrs | no data | 0.0016% SEK 420.9k | |
| Chief Compliance Officer | no data | no data | no data | |
| Chief Brand & Communications Officer | 1.83yrs | no data | 0.00062% SEK 158.2k | |
| Chief Human Resources Officer | 0.58yr | no data | no data | |
| Acting Regional Managing Director of Scandinavia and Director of Group Business Development | 11.83yrs | no data | no data | |
| Managing Director of Secured Assets | no data | no data | 0.017% SEK 4.2m |
1.2yrs
Average Tenure
51yo
Average Age
Experienced Management: INTRUM's management team is not considered experienced ( 1.2 years average tenure), which suggests a new team.
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Director | 3.08yrs | kr615.00k | no data | |
| Chairman | 3.58yrs | kr1.34m | 0.028% SEK 7.1m | |
| Independent Deputy Chairman | 3.08yrs | kr800.00k | 0.0062% SEK 1.6m | |
| Independent Director | 5.33yrs | kr815.00k | 0.00025% SEK 63.8k | |
| Director | 3.58yrs | kr765.00k | no data | |
| Independent Director | 2.33yrs | kr615.00k | no data | |
| Independent Director | 3.08yrs | kr765.00k | no data | |
| Independent Director | 1.33yrs | kr615.00k | no data | |
| Independent Director | 1.33yrs | kr615.00k | no data |
3.1yrs
Average Tenure
55yo
Average Age
Experienced Board: INTRUM's board of directors are considered experienced (3.1 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: INTRUM 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: kr25.508b
- 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
| 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 | 2020/08/06 21:23 |
| End of Day Share Price | 2020/08/06 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2019/12/31 |
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.