KRU Stock Analysis: Kruk | WAR
Credit Services | WAR, Poland | Market Cap: 6.465m PLN | 12M Return: -25.4% | PLKRK0000010 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 23.2M
EPS Trend: -40.2%
Rev. Trend: 97.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
KRUK S.A. is a Poland-based financial services company that manages and purchases consumer, mortgage, and corporate debt portfolios across several European markets. It also provides receivables management services to lenders and businesses, and offers consumer, mortgage, and SME loans.
Debt management companies typically work either on behalf of creditors or by acquiring overdue receivables and managing their recovery. KRUK was founded in 1998 and is headquartered in Wrocław, Poland.
- Debt portfolio purchases and collections growth drive earnings across Europe
- Higher funding costs and leverage pressure margins and returns
- Regulation and borrower repayment capacity shape recovery rates and portfolio supply
| Net Income: 961.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 7.02 > 1.0 |
| NWC/Revenue: 119.7% < 20% (prev 6.29%; Δ 113.4% < -1%) |
| CFO/TA 0.08 > 3% & CFO 1.15b > Net Income 961.3m |
| Net Debt (3.97b) to EBITDA (1.53b): 2.59 < 3 |
| Current Ratio: 4.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (20.4m) vs 12m ago -0.60% < -2% |
| Gross Margin: 83.04% > 18% (prev 64.88%; Δ 18.15% > 0.5%) |
| Asset Turnover: 20.10% > 50% (prev 19.64%; Δ 0.45% > 0%) |
| Interest Coverage Ratio: 3.48 > 6 (EBIT TTM 1.46b / Interest Expense TTM 419.3m) |
| A: 0.23 (Total Current Assets 4.20b - Total Current Liabilities 1.02b) / Total Assets 13.8b |
| B: 0.37 (Retained Earnings 5.11b / Total Assets 13.8b) |
| C: 0.11 (EBIT TTM 1.46b / Avg Total Assets 13.2b) |
| D: 0.73 (Book Value of Equity 5.80b / Total Liabilities 7.99b) |
| Altman-Z'' = 4.23 = AA |
| DSRI: 3.0 (Receivables 481.0m/96.8m, Revenue 2.66b/2.49b) |
| GMI: 0.78 (GM 64.88% / 83.04%) |
| AQI: 0.72 (AQ_t 0.69 / AQ_t-1 0.96) |
| SGI: 1.07 (Revenue 2.66b / 2.49b) |
| TATA: -0.01 (NI 961.3m - CFO 1.15b) / TA 13.8b) |
| Beneish M = -1.70 (Cap -4..+1) = CCC |
As of November 13, 2026, the stock is trading at PLN 331.30 with a total of 68,386 shares traded. Over the past week, the price has changed by +0.45%, over one month by -1.69%, over three months by -24.07% and over the past year by -25.37%.
Current recommended Stop Loss: 319.20 (which is 3.7% or 1.3 ATR below the current price).
Kruk has no consensus analysts rating.
P/E Trailing = 7.1155
P/E Forward = 14.7275
P/S = 2.3751
P/B = 1.1178
Revenue TTM = 2.66b PLN
EBIT TTM = 1.46b PLN
EBITDA TTM = 1.53b PLN
Long Term Debt = 6.77b PLN (from longTermDebt, last quarter)
Short Term Debt = 637.9m PLN (from shortTermDebt, last quarter)
Debt = 7.58b PLN (from shortLongTermDebtTotal, last quarter) + Leases 109.0m
Net Debt = 3.97b PLN (calculated: Debt 7.58b - CCE 3.61b)
Enterprise Value = 10.4b PLN (6.46b + Debt 7.58b - CCE 3.61b)
Interest Coverage Ratio = 3.48 (Ebit TTM 1.46b / Interest Expense TTM 419.3m)
EV/FCF = 10.28x (Enterprise Value 10.4b / FCF TTM 1.01b)
FCF Yield = 9.73% (FCF TTM 1.01b / Enterprise Value 10.4b)
FCF Margin = 38.16% (FCF TTM 1.01b / Revenue TTM 2.66b)
Net Margin = 36.14% (Net Income TTM 961.3m / Revenue TTM 2.66b)
Gross Margin = 83.04% ((Revenue TTM 2.66b - Cost of Revenue TTM 451.1m) / Revenue TTM)
Gross Margin QoQ = 61.96% (prev 90.12%)
Tobins Q-Ratio = 0.76 (Enterprise Value 10.4b / Total Assets 13.8b)
Interest Expense / Debt = 5.53% (Interest Expense 419.3m / Debt 7.58b)
Taxrate = 7.48% (77.7m / 1.04b)
NOPAT = 1.35b (EBIT 1.46b * (1 - 7.48%))
Current Ratio = 4.13 (Total Current Assets 4.20b / Total Current Liabilities 1.02b)
Debt / Equity = 1.31 (Debt 7.58b / totalStockholderEquity, last quarter 5.80b)
Debt / EBITDA = 2.59 (Net Debt 3.97b / EBITDA 1.53b)
Debt / FCF = 3.91 (Net Debt 3.97b / FCF TTM 1.01b)
Total Stockholder Equity = 5.57b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.26% (Net Income 961.3m / Total Assets 13.8b)
RoE = 17.25% (Net Income TTM 961.3m / Total Stockholder Equity 5.57b)
RoCE = 11.82% (EBIT 1.46b / Capital Employed (Equity 5.57b + L.T.Debt 6.77b))
RoIC = 10.16% (NOPAT 1.35b / Invested Capital 13.3b)
WACC = 5.97% (E(6.46b)/V(14.0b) * Re(6.98%) + D(7.58b)/V(14.0b) * Rd(5.53%) * (1-Tc(0.07)))
Discount Rate = 6.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 40.28 | Cagr: -0.08%
[DCF] Terminal Value 77.97% ; FCFF base≈626.1m ; Y1≈717.7m ; Y5≈1.06b
[DCF] Fair Price = 610.1 (EV 15.9b - Net Debt 3.97b = Equity 11.9b / Shares 19.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -40.22 | EPS CAGR: -2.85% | SUE: N/A | # QB: 0
Revenue Correlation: 97.60 | Revenue CAGR: 15.96% | SUE: -0.05 | # QB: 0
EPS current Year (2026-12-31): EPS=49.42 | Chg30d=-6.24% | Revisions=-25% | GrowthEPS=-6.7% | GrowthRev=+0.2%
EPS next Year (2027-12-31): EPS=64.23 | Chg30d=-1.47% | Revisions=-25% | GrowthEPS=+30.0% | GrowthRev=+12.2%
[Analyst] Revisions Ratio: -40% (up=0, down=2)