(KRU) Kruk - Ratings and Ratios
Receivables, Debt Portfolios, Mortgage Management, Debt Collection
KRU EPS (Earnings per Share)
KRU Revenue
Description: KRU Kruk
Kruk SA is a debt management company operating in multiple countries, including Poland, Romania, Italy, and others. The company provides credit management services to various industries, including banking, insurance, and telecommunications. Its business segments include Consumer Debts, Mortgage Debts, and Corporate Debts.
The companys diversified revenue streams come from credit management services, debt portfolio purchases, and management, as well as loan services and financial intermediation. Kruk SA also invests in receivables and other funds, and has expanded its operations to include real estate acquisition and management, IT and software development, and law firm related activities.
From a financial perspective, Kruk SA has demonstrated strong profitability, with a Return on Equity (RoE) of 22.16%. The companys market capitalization stands at approximately 7836.21M PLN, with a Price-to-Earnings (P/E) ratio of 8.36. To further evaluate the companys performance, other key metrics to consider include its Debt-to-Equity ratio, Interest Coverage ratio, and Revenue growth rate.
Some additional KPIs that could be useful in evaluating Kruk SAs performance include its Net Debt/EBITDA ratio, which can provide insight into the companys leverage and ability to service its debt. The companys operating margin and EBITDA margin can also be useful in assessing its profitability and efficiency. Furthermore, metrics such as the companys loan book growth rate and debt recovery rate can provide insight into its core business performance.
KRU Stock Overview
| Market Cap in USD | 2,258m |
| Sub-Industry | Consumer Finance |
| IPO / Inception |
KRU Stock Ratings
| Growth Rating | 48.3% |
| Fundamental | 59.9% |
| Dividend Rating | 80.5% |
| Return 12m vs S&P 500 | -8.60% |
| Analyst Rating | - |
KRU Dividends
| Dividend Yield 12m | 4.20% |
| Yield on Cost 5y | 14.98% |
| Annual Growth 5y | 13.10% |
| Payout Consistency | 81.4% |
| Payout Ratio | 51.0% |
KRU Growth Ratios
| Growth Correlation 3m | 94.2% |
| Growth Correlation 12m | -29.8% |
| Growth Correlation 5y | 86.3% |
| CAGR 5y | 30.75% |
| CAGR/Max DD 5y | 0.79 |
| Sharpe Ratio 12m | -0.51 |
| Alpha | -0.94 |
| Beta | 0.679 |
| Volatility | 25.60% |
| Current Volume | 64.8k |
| Average Volume 20d | 23.2k |
| Stop Loss | 441 (-3%) |
| Signal | 0.07 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (987.2m TTM) > 0 and > 6% of Revenue (6% = 138.3m TTM) |
| FCFTA -0.05 (>2.0%) and ΔFCFTA 3.67pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 135.5% (prev 130.4%; Δ 5.07pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.02 (>3.0%) and CFO -285.5m <= Net Income 987.2m (YES >=105%, WARN >=100%) |
| Net Debt (6.02b) to EBITDA (987.3m) ratio: 6.10 <= 3.0 (WARN <= 3.5) |
| Current Ratio 6.63 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (19.4m) change vs 12m ago 0.40% (target <= -2.0% for YES) |
| Gross Margin 54.08% (prev 52.63%; Δ 1.45pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 21.34% (prev 18.93%; Δ 2.42pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 26.0k (EBITDA TTM 987.3m / Interest Expense TTM 38.0k) >= 6 (WARN >= 3) |
Altman Z'' 4.22
| (A) 0.27 = (Total Current Assets 3.68b - Total Current Liabilities 554.6m) / Total Assets 11.65b |
| (B) 0.37 = Retained Earnings (Balance) 4.26b / Total Assets 11.65b |
| (C) 0.09 = EBIT TTM 987.3m / Avg Total Assets 10.80b |
| (D) 0.62 = Book Value of Equity 4.26b / Total Liabilities 6.87b |
| Total Rating: 4.22 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 59.91
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -3.80% = -1.90 |
| 3. FCF Margin -23.53% = -7.50 |
| 4. Debt/Equity 1.31 = 1.70 |
| 5. Debt/Ebitda 6.33 = -2.50 |
| 6. ROIC - WACC 12.38% = 12.50 |
| 7. RoE 22.16% = 1.85 |
| 8. Rev. Trend 99.45% = 4.97 |
| 9. Rev. CAGR 21.71% = 2.50 |
| 10. EPS Trend 11.76% = 0.29 |
| 11. EPS CAGR -0.07% = -0.01 |
What is the price of KRU shares?
Over the past week, the price has changed by +6.36%, over one month by +10.58%, over three months by +17.18% and over the past year by +6.91%.
Is Kruk a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of KRU is around 510.32 PLN . This means that KRU is currently undervalued and has a potential upside of +12.23% (Margin of Safety).
Is KRU a buy, sell or hold?
What are the forecasts/targets for the KRU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 509.3 | 12% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 569.1 | 25.2% |
KRU Fundamental Data Overview
Market Cap PLN = 8.26b (8.26b PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 228.9m PLN (Cash only, last quarter)
P/E Trailing = 8.8366
P/S = 3.587
P/B = 1.7352
Beta = 0.75
Revenue TTM = 2.30b PLN
EBIT TTM = 987.3m PLN
EBITDA TTM = 987.3m PLN
Long Term Debt = 6.08b PLN (from longTermDebt, last quarter)
Short Term Debt = 165.9m PLN (from shortLongTermDebt, last quarter)
Debt = 6.25b PLN (Calculated: Short Term 165.9m + Long Term 6.08b)
Net Debt = 6.02b PLN (from netDebt column, last quarter)
Enterprise Value = 14.28b PLN (8.26b + Debt 6.25b - CCE 228.9m)
Interest Coverage Ratio = 26.0k (Ebit TTM 987.3m / Interest Expense TTM 38.0k)
FCF Yield = -3.80% (FCF TTM -542.3m / Enterprise Value 14.28b)
FCF Margin = -23.53% (FCF TTM -542.3m / Revenue TTM 2.30b)
Net Margin = 42.84% (Net Income TTM 987.2m / Revenue TTM 2.30b)
Gross Margin = 54.08% ((Revenue TTM 2.30b - Cost of Revenue TTM 1.06b) / Revenue TTM)
Tobins Q-Ratio = 3.35 (Enterprise Value 14.28b / Book Value Of Equity 4.26b)
Interest Expense / Debt = 0.00% (Interest Expense 38.0k / Debt 6.25b)
Taxrate = -6.32% (set to none) (from yearly Tax Provision: -63.9m / 1.01b)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 6.63 (Total Current Assets 3.68b / Total Current Liabilities 554.6m)
Debt / Equity = 1.31 (Debt 6.25b / last Quarter total Stockholder Equity 4.78b)
Debt / EBITDA = 6.33 (Net Debt 6.02b / EBITDA 987.3m)
Debt / FCF = -11.52 (Debt 6.25b / FCF TTM -542.3m)
Total Stockholder Equity = 4.46b (last 4 quarters mean)
RoA = 8.47% (Net Income 987.2m, Total Assets 11.65b )
RoE = 22.16% (Net Income TTM 987.2m / Total Stockholder Equity 4.46b)
RoCE = 9.37% (Ebit 987.3m / (Equity 4.46b + L.T.Debt 6.08b))
RoIC = 12.38% (Ebit 987.3m / (Assets 11.65b - Current Assets 3.68b))
WACC = unknown (E(8.26b)/V(14.51b) * Re(8.52%)) + (D(6.25b)/V(14.51b) * Rd(0.00%) * (1-Tc(none)))
Shares Correlation 5-Years: 90.0 | Cagr: 0.95%
Discount Rate = 8.52% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -542.3m)
Revenue Correlation: 99.45 | Revenue CAGR: 21.71%
Rev Growth-of-Growth: 1.43
EPS Correlation: 11.76 | EPS CAGR: -0.07%
EPS Growth-of-Growth: -41.99