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XWARKRU
Market cap1.99bUSD
Dec 20, Last price  
419.40PLN
1D
0.14%
1Q
-0.80%
Jan 2017
76.96%
IPO
922.68%
Name

Kruk SA

Chart & Performance

D1W1MN
XWAR:KRU chart
P/E
8.26
P/S
4.36
EPS
50.77
Div Yield, %
3.56%
Shrs. gr., 5y
1.05%
Rev. gr., 5y
13.91%
Revenues
1.79b
+20.60%
120,993,000131,596,000103,882,000128,575,000164,281,000274,031,000342,992,000405,611,000487,920,000611,234,000783,398,0001,055,453,000972,481,0001,094,221,0001,160,884,0001,202,216,0001,488,229,0001,794,787,000
Net income
984m
+22.23%
5,765,00011,280,00016,452,00023,411,00036,078,00066,392,00081,039,00097,625,000151,736,000204,227,000248,663,000295,095,000330,016,000276,390,00081,356,000694,758,000804,982,000983,934,000
CFO
-785m
L+38.30%
4,804,00013,908,000-14,867,00053,981,000-46,689,000-340,830,000-54,488,000-37,181,000-61,729,00041,095,000-623,132,000-223,365,000-402,050,000208,642,000743,516,000-288,797,000-567,772,000-785,251,000
Dividend
May 14, 202418 PLN/sh
Earnings
Feb 20, 2025

Profile

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Debt Purchase, Credit Management, and Other segments. It purchases and manages debt portfolios, including consumer, mortgage-backed, and corporate debts; and offers consumer unsecured, mortgage, and SME/corporate loans, as well as credit management services. The company also manages the receivables of banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and FMCG companies. In addition, it provides Novum loan services; detective services; financial intermediation agency services; and auxiliary services to small and medium-sized enterprises. Further, the company collects, processes, and provides credit information on natural persons; offers receivable management services; and portfolio underwriting services. Additionally, the company invests in receivables and certificates of securitization funds; and acquires agricultural real estate properties. KRUK Spólka Akcyjna was founded in 1998 and is headquartered in Wroclaw, Poland.
URL
https://pl.kruk.eu/
IPO date
May 10, 2011
Employees
2,938
Domiciled in
PL
Incorporated in
PL

Valuation

Title
PLN in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
1,794,787
20.60%
1,488,229
23.79%
1,202,216
3.56%
Cost of revenue
1,307,001
1,031,460
748,702
Unusual Expense (Income)
NOPBT
487,786
456,769
453,514
NOPBT Margin
27.18%
30.69%
37.72%
Operating Taxes
53,273
58,692
79,053
Tax Rate
10.92%
12.85%
17.43%
NOPAT
434,513
398,077
374,461
Net income
983,934
22.23%
804,982
15.87%
694,758
753.97%
Dividends
(289,782)
(248,661)
(206,583)
Dividend yield
2.99%
4.06%
3.26%
Proceeds from repurchase of equity
25,548
22,836
BB yield
-0.42%
-0.36%
Debt
Debt current
425,697
441,642
585,391
Long-term debt
5,207,891
3,573,075
2,351,990
Deferred revenue
6,293
16,433
Other long-term liabilities
254,341
17,655
(1,000)
Net debt
(3,945,194)
(1,138,885)
(853,962)
Cash flow
Cash from operating activities
(785,251)
(567,772)
(288,797)
CAPEX
(42,623)
(34,256)
(16,068)
Cash from investing activities
(23,328)
(32,271)
(13,612)
Cash from financing activities
994,880
603,039
356,021
FCF
414,158
406,905
386,076
Balance
Cash
486,889
2,388,248
2,023,497
Long term investments
9,091,893
2,765,354
1,767,846
Excess cash
9,489,043
5,079,191
3,731,232
Stockholders' equity
3,432,304
5,483,857
4,299,708
Invested Capital
6,176,628
2,115,173
1,723,878
ROIC
10.48%
20.74%
23.10%
ROCE
5.08%
6.18%
8.07%
EV
Common stock shares outstanding
20,343
19,772
19,407
Price
477.00
53.87%
310.00
-5.20%
327.00
130.28%
Market cap
9,703,611
58.31%
6,129,320
-3.42%
6,346,089
132.05%
EV
5,757,834
7,578,781
7,524,282
EBITDA
546,083
507,957
501,869
EV/EBITDA
10.54
14.92
14.99
Interest
13,069
17,100
9,179
Interest/NOPBT
2.68%
3.74%
2.02%