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INTR

IntrumOM:INTRUM Stock Report

Market Cap

kr29.5b

7D

-0.4%

1Y

18.7%

Updated

26 Sep, 2021

Data

Company Financials +
INTRUM fundamental analysis
Snowflake Score
Valuation5/6
Future Growth3/6
Past Performance2/6
Financial Health1/6
Dividends6/6

INTRUM Overview

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

Intrum Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Intrum
Historical stock prices
Current Share Pricekr244.00
52 Week Highkr207.00
52 Week Lowkr309.00
Beta1.42
1 Month Change-9.36%
3 Month Change-12.51%
1 Year Change18.68%
3 Year Change5.58%
5 Year Change-11.82%
Change since IPO388.00%

Recent News & Updates

Shareholder Returns

INTRUMSE Commercial ServicesSE Market
7D-0.4%-2.1%-1.9%
1Y18.7%21.2%34.1%

Return vs Industry: INTRUM underperformed the Swedish Commercial Services industry which returned 21.2% over the past year.

Return vs Market: INTRUM underperformed the Swedish Market which returned 34.1% over the past year.

Price Volatility

Is INTRUM's price volatile compared to industry and market?
INTRUM volatility
INTRUM Beta1.42
Industry Beta1.03
Market Beta1

Stable Share Price: INTRUM is less volatile than 75% of Swedish stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: INTRUM's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
192310,000Anders Engdahlhttps://www.intrum.com

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 monitoring, credit decision, factoring, and credit information services; and debt collection, surveillance, and purchase services. It also provides payment services, such as reminder, payment guarantee, and VAT services; e-commerce services comprising credit management, payment solutions, and collection services; and accounts receivables services that include invoicing, payment booking, monitoring of due dates, reminder, and collection services; and factoring and portfolio investments.

Intrum Fundamentals Summary

How do Intrum's earnings and revenue compare to its market cap?
INTRUM fundamental statistics
Market Capkr29.47b
Earnings (TTM)kr2.77b
Revenue (TTM)kr18.26b

10.6x

P/E Ratio

1.6x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
INTRUM income statement (TTM)
Revenuekr18.26b
Cost of Revenuekr9.53b
Gross Profitkr8.73b
Expenseskr5.96b
Earningskr2.77b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

Oct 21, 2021

Earnings per share (EPS)22.92
Gross Margin47.82%
Net Profit Margin15.17%
Debt/Equity Ratio230.5%

How did INTRUM perform over the long term?

See historical performance and comparison

Dividends

4.9%

Current Dividend Yield

52%

Payout Ratio

Valuation

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

17.5%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: INTRUM (SEK244) is trading below our estimate of fair value (SEK295.6)

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


Price To Earnings Ratio

PE vs Industry: INTRUM is good value based on its PE Ratio (10.6x) compared to the Swedish Commercial Services industry average (18.1x).

PE vs Market: INTRUM is good value based on its PE Ratio (10.6x) compared to the Swedish market (23.3x).


Price to Earnings Growth Ratio

PEG Ratio: INTRUM is good value based on its PEG Ratio (0.9x)


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 (2.9x).


Future Growth

How is Intrum forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?

12.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: INTRUM's forecast earnings growth (12.2% per year) is above the savings rate (0.3%).

Earnings vs Market: INTRUM's earnings (12.2% per year) are forecast to grow faster than the Swedish market (6.1% per year).

High Growth Earnings: INTRUM's earnings are forecast to grow, but not significantly.

Revenue vs Market: INTRUM's revenue (4.6% per year) is forecast to grow faster than the Swedish market (4% per year).

High Growth Revenue: INTRUM's revenue (4.6% 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 (17.9%).


Past Performance

How has Intrum performed over the past 5 years?

-5.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: INTRUM has high quality earnings.

Growing Profit Margin: INTRUM became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: INTRUM's earnings have declined by 5% per year over the past 5 years.

Accelerating Growth: INTRUM has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: INTRUM has become profitable in the last year, making it difficult to compare its past year earnings growth to the Commercial Services industry (73.8%).


Return on Equity

High ROE: INTRUM's Return on Equity (13.6%) is considered low.


Financial Health

How is Intrum's financial position?


Financial Position Analysis

Short Term Liabilities: INTRUM's short term assets (SEK7.9B) do not cover its short term liabilities (SEK11.3B).

Long Term Liabilities: INTRUM's short term assets (SEK7.9B) do not cover its long term liabilities (SEK49.6B).


Debt to Equity History and Analysis

Debt Level: INTRUM's debt to equity ratio (230.5%) is considered high.

Reducing Debt: INTRUM's debt to equity ratio has increased from 224.8% to 230.5% over the past 5 years.

Debt Coverage: INTRUM's debt is not well covered by operating cash flow (14.8%).

Interest Coverage: INTRUM's interest payments on its debt are well covered by EBIT (3.3x coverage).


Balance Sheet


Dividend

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

4.92%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: INTRUM's dividend (4.92%) is higher than the bottom 25% of dividend payers in the Swedish market (0.93%).

High Dividend: INTRUM's dividend (4.92%) is in the top 25% of dividend payers in the Swedish market (3.55%)


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: With its reasonable payout ratio (51.6%), INTRUM's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: INTRUM's dividends in 3 years are forecast to be well covered by earnings (44.6% payout ratio).


Next Steps

Management

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

1.7yrs

Average management tenure


CEO

Anders Engdahl (47 yo)

0.92

Tenure

kr24,345,454

Compensation

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...


CEO Compensation Analysis

Compensation vs Market: Anders's total compensation ($USD2.81M) is above average for companies of similar size in the Swedish market ($USD1.04M).

Compensation vs Earnings: Insufficient data to compare Anders's compensation with company performance.


Leadership Team

Experienced Management: INTRUM's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.


Board Members

Experienced Board: INTRUM's board of directors are considered experienced (4.2 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 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: kr29.475b
  • Shares outstanding: 120.80m
  • Website: https://www.intrum.com

Number of Employees


Location

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

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/26 17:49
End of Day Share Price2021/09/24 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.