YOLFTbeta
Kruk SA

Kruk SA

KRU · WAR · Financial Services / Credit Services

336.60PLN+5.30 (+1.60%)

Price History

Full chart

Market Stats

Previous Close331.30
Open332.90
Day Range330.30 – 336.90
52-Week Range363.60 – 486.44
Volume53.86K
Market Cap7.16B
P/E (TTM)7.18
Forward P/E14.73
EPS51.00
Dividend Yield5.46%
Beta0.34
50-Day Avg408.82
200-Day Avg440.41

About

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, France, Germany, and Spain. The company operates through three segments: Consumer Debts, Mortgage Debts, and Corporate Debts. It offers credit management services, including receivables management services to banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and companies from the FMCG sector. The company also purchases and manages debt portfolios, including consumer, mortgage, and corporate debts. In addition, it offers consumer unsecured, mortgage, and SME/corporate loans. Further, the company provides auxiliary services to small and medium-sized enterprises. Additionally, the company engages in the acquisition and management of real estate properties; purchase of farmland; and IT and software development; and in law firm related activities. KRUK Spólka Akcyjna was founded in 1998 and is headquartered in Wroclaw, Poland.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Piotr Krupa
  • Employees3.17K
  • HeadquartersWolowska 8, Wroclaw, Poland, 51-116, Poland
  • Websitehttps://www.pl.kruk.eu

Leadership

  • Mr. Piotr KrupaPresident of the Management Board & CEO
  • Mr. Michal ZasepaCFO & Member of the Management Board
  • Ms. Urszula OkarmaChief Investment Officer & Member of the Management Board
  • Mr. Piotr KowalewskiCOO & Member of the Management Board
  • Mr. Adam LodygowskiMember of Management Board and Chief Data & Technology Officer
  • Mr. Damian BabkaInvestor Relations & Business Development Manager

Financials

Income Statement

Currency: PLN2005-12-312006-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue120.99M131.60M103.88M128.57M164.28M275.18M342.99M405.61M487.92M611.23M783.40M958.35M972.63M1.15B1.16B1.20B1.49B1.79B2.20B2.50B
Growth (%)-+8.76%-21.06%+23.77%+27.77%+67.50%+24.64%+18.26%+20.29%+25.27%+28.17%+22.33%+1.49%+17.75%+1.36%+3.57%+23.79%+20.60%+22.78%+13.55%
Cost of Revenue--277.00K--92.89M125.50M150.58M164.23M180.66M218.33M299.24M366.81M442.83M413.83M438.53M635.86M842.41M1.03B227.22M
Gross Profit120.99M131.60M103.61M128.57M164.28M182.28M217.50M255.03M323.69M430.57M565.07M659.11M605.82M702.44M746.96M763.68M852.37M952.37M1.17B2.27B
Gross Margin100.00%100.00%99.73%100.00%100.00%66.24%63.41%62.87%66.34%70.44%72.13%68.78%62.29%61.33%64.35%63.52%57.27%53.06%53.29%90.92%
Operating Expense111.78M116.39M78.83M96.85M121.64M86.29M80.82M102.08M115.53M179.19M216.04M238.34M127.55M262.10M414.70M-95.93M-190.47M-374.79M-238.19M140.62M
Operating Income9.21M15.20M24.77M31.72M42.64M96.00M136.67M152.94M208.16M251.38M349.02M420.77M478.27M440.34M332.26M859.62M1.04B1.33B1.41B2.13B
Operating Margin7.61%11.55%23.85%24.67%25.95%34.88%39.85%37.71%42.66%41.13%44.55%43.91%49.17%38.45%28.62%71.50%70.07%73.95%64.10%85.30%
EBITDA120.99M131.60M26.63M34.81M48.77M73.83M93.70M111.10M171.03M219.14M300.04M345.54M392.46M360.83M269.17M831.49M901.84M1.03B1.00B1.74B
EBITDA Margin100.00%100.00%25.63%27.08%29.69%26.83%27.32%27.39%35.05%35.85%38.30%36.06%40.35%31.51%23.19%69.16%60.60%57.36%45.59%69.39%
Net Income5.76M11.28M16.45M23.41M36.12M66.20M81.04M97.63M151.74M204.23M248.66M295.10M330.02M276.39M81.36M694.76M804.98M983.93M1.07B1.09B
Net Income Margin4.76%8.57%15.84%18.21%21.99%24.06%23.63%24.07%31.10%33.41%31.74%30.79%33.93%24.13%7.01%57.79%54.09%54.82%48.74%43.36%
Interest Expense--7.74M7.43M9.23M30.38M49.84M48.96M49.18M43.77M62.76M88.12M02.58M18.18M9.18M17.10M13.07M29.50M534.81M
Interest Expense % of Total Revenue--7.45%5.78%5.62%11.04%14.53%12.07%10.08%7.16%8.01%9.19%0.00%0.22%1.57%0.76%1.15%0.73%1.34%21.37%

Balance Sheet

Currency: PLN2005-12-312006-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets84.34M94.58M211.68M207.93M317.55M800.47M971.43M1.16B1.52B1.84B3.10B3.56B4.48B4.84B4.64B5.91B7.68B9.93B11.65B13.03B
Total Liabilities40.80M39.69M135.14M107.89M187.25M562.08M653.80M747.27M931.56M1.05B1.86B2.10B2.75B2.88B2.60B3.31B4.43B6.14B7.12B7.71B
Total Equity43.54M54.90M76.30M99.96M130.26M238.19M317.48M415.43M585.02M784.24M1.24B1.46B1.73B1.96B2.04B2.60B3.25B3.79B4.53B5.33B
Cash--25.06M23.80M20.78M36.20M42.73M35.26M70.55M140.74M267.38M173.28M147.30M150.27M145.55M199.16M202.16M388.46M214.79M212.63M
Total Debt--107.07M49.21M122.14M477.00M596.38M687.46M838.65M935.01M1.65B1.90B2.50B2.71B2.22B2.87B3.95B5.53B6.63B7.31B
Net Debt--82.01M25.42M101.36M440.80M553.65M652.20M768.10M794.27M1.38B1.72B2.35B2.56B2.08B2.67B3.74B5.14B6.41B7.09B

Cash Flow

Currency: PLN2005-12-312006-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow4.80M13.91M-14.87M53.98M-46.69M-340.83M-54.49M-37.18M-61.73M41.09M-623.13M-223.37M-402.05M208.64M743.52M-288.80M-567.77M-785.25M-499.13M1.16B
Investing Cash Flow-2.60M-4.70M-2.68M-3.65M-6.23M-6.95M-5.80M-7.53M-7.78M-7.82M-74.04M-19.52M-26.20M-136.98M-10.90M-13.61M-32.27M-23.33M-36.41M-195.67M
Financing Cash Flow-704.00K-6.84M31.83M-51.60M49.90M363.21M66.82M37.24M104.79M36.92M823.82M148.78M402.27M-68.69M-737.33M356.02M603.04M994.88M361.87M210.59M
Capital Expenditure004.06M3.76M5.84M8.18M7.53M8.65M8.47M8.34M15.36M24.64M28.36M48.04M16.97M16.07M34.26M42.62M43.18M93.36M
Free Cash Flow4.80M13.91M-18.92M50.22M-52.53M-349.01M-62.02M-45.83M-70.20M32.76M-638.50M-248.01M-430.41M160.60M726.54M-304.87M-602.03M-827.87M-542.32M1.07B
Dividends Paid--3.00K236.00K37.00K--156.00K129.00K26.00M35.52M37.50M94.14M94.65M667.00K206.58M248.66M289.78M347.84M349.25M
FCF to OCF100.00%100.00%127.29%93.03%112.51%102.40%113.82%123.26%113.72%79.72%102.47%111.03%107.05%76.97%97.72%105.56%106.03%105.43%108.65%91.97%
Dividend Paid to FCF---0.02%0.47%-0.07%---0.34%-0.18%79.38%-5.56%-15.12%-21.87%58.94%0.09%-67.76%-41.30%-35.00%-64.14%32.65%

Earnings

Report DateJun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Sep 10, 2014Nov 11, 2014Mar 15, 2015May 10, 2015Aug 30, 2015Nov 2, 2015Mar 6, 2016May 8, 2016Aug 28, 2016Nov 2, 2016Feb 28, 2017Apr 27, 2017Sep 6, 2017Oct 30, 2017Mar 19, 2018Apr 27, 2018Sep 7, 2018Oct 28, 2018Feb 28, 2019Apr 25, 2019Sep 5, 2019Oct 25, 2019Mar 5, 2020Apr 21, 2020Jul 10, 2020Oct 29, 2020Mar 25, 2021May 24, 2021Aug 23, 2021Nov 3, 2021Mar 15, 2022Apr 28, 2022Sep 7, 2022Nov 8, 2022Mar 9, 2023Apr 26, 2023Aug 10, 2023Nov 8, 2023Feb 23, 2024May 8, 2024Aug 27, 2024Oct 29, 2024Feb 27, 2025May 6, 2025Aug 26, 2025Oct 29, 2025Feb 27, 2026Apr 29, 2026Aug 26, 2026Oct 27, 2026
EPS Estimate---------------------------4.60----------------------------------
EPS Actual1.480.770.830.831.081.281.601.151.791.711.002.303.441.531.452.843.182.932.443.372.774.033.384.185.293.860.154.715.114.652.645.083.574.011.64-3.282.212.802.436.5413.748.936.4712.4012.379.596.3511.6514.4811.1712.4716.5512.9117.385.5912.3516.3714.2310.0512.6614.08-
Surprise---------------------------2.39%----------------------------------
Timing------------After-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap7.16B
Enterprise Value11.50B
Trailing P/E7.18
Forward P/E14.73
Price / Sales2.69
Price / Book1.37
EPS51.00
Book Value283.42
Revenue (TTM)2.66B
Gross Profit (TTM)1.97B
EBITDA2.10B
Profit Margin39.63%
Operating Margin81.28%
Return on Equity20.54%
Return on Assets10.13%
Shares Outstanding19.54M
Shares Float17.66M
Beta0.34
Dividend Yield5.46%
Dividend Rate20.00
Payout Ratio39.20%

Dividends

20261×
20.00May 29, 2026
20251×
18.00Jul 9, 2025
20241×
18.00May 14, 2024
20231×
15.00Sep 6, 2023
20221×
13.00Apr 20, 2022
20211×
11.00Jun 23, 2021
20191×
5.00Jul 1, 2019
20181×
5.00Apr 24, 2018
20171×
2.00Jun 28, 2017
20161×
2.00Jul 7, 2016
20151×
1.50Jun 30, 2015