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XWAR
KRU
Market cap2.06bUSD
May 08, Last price  
402.60PLN
1D
-0.12%
1Q
-8.04%
Jan 2017
69.87%
IPO
881.71%
Name

Kruk SA

Chart & Performance

D1W1MN
XWAR:KRU chart
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P/E
7.27
P/S
3.54
EPS
55.37
Div Yield, %
4.47%
Shrs. gr., 5y
1.17%
Rev. gr., 5y
15.03%
Revenues
2.20b
+22.78%
120,993,000131,596,000103,882,000128,575,000164,281,000274,031,000342,992,000405,611,000487,920,000611,234,000783,398,0001,055,453,000972,481,0001,094,221,0001,160,884,0001,202,216,0001,488,229,0001,794,787,0002,203,581,000
Net income
1.07b
+9.15%
5,765,00011,280,00016,452,00023,411,00036,078,00066,392,00081,039,00097,625,000151,736,000204,227,000248,663,000295,095,000330,016,000276,390,00081,356,000694,758,000804,982,000983,934,0001,073,954,000
CFO
-499m
L-36.44%
4,804,00013,908,000-14,867,00053,981,000-46,689,000-340,830,000-54,488,000-37,181,000-61,729,00041,095,000-623,132,000-223,365,000-402,050,000208,642,000743,516,000-288,797,000-567,772,000-785,251,000-499,135,000
Dividend
May 14, 202418 PLN/sh
Earnings
Aug 25, 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
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
2,203,581
22.78%
1,794,787
20.60%
1,488,229
23.79%
Cost of revenue
1,612,147
1,307,001
1,031,460
Unusual Expense (Income)
NOPBT
591,434
487,786
456,769
NOPBT Margin
26.84%
27.18%
30.69%
Operating Taxes
(63,873)
53,273
58,692
Tax Rate
10.92%
12.85%
NOPAT
655,307
434,513
398,077
Net income
1,073,954
9.15%
983,934
22.23%
804,982
15.87%
Dividends
(347,844)
(289,782)
(248,661)
Dividend yield
4.08%
2.99%
4.06%
Proceeds from repurchase of equity
15,654
25,548
BB yield
-0.18%
-0.42%
Debt
Debt current
274,545
425,697
441,642
Long-term debt
6,410,245
5,207,891
3,573,075
Deferred revenue
6,293
Other long-term liabilities
38,639
254,341
17,655
Net debt
(1,268,124)
(3,945,194)
(1,138,885)
Cash flow
Cash from operating activities
(499,135)
(785,251)
(567,772)
CAPEX
(43,180)
(42,623)
(34,256)
Cash from investing activities
(36,409)
(23,328)
(32,271)
Cash from financing activities
361,873
994,880
603,039
FCF
657,512
414,158
406,905
Balance
Cash
3,479,849
486,889
2,388,248
Long term investments
4,473,065
9,091,893
2,765,354
Excess cash
7,842,735
9,489,043
5,079,191
Stockholders' equity
4,028,487
3,432,304
5,483,857
Invested Capital
7,165,360
6,176,628
2,115,173
ROIC
9.82%
10.48%
20.74%
ROCE
5.23%
5.08%
6.18%
EV
Common stock shares outstanding
20,484
20,343
19,772
Price
415.80
-12.83%
477.00
53.87%
310.00
-5.20%
Market cap
8,517,247
-12.23%
9,703,611
58.31%
6,129,320
-3.42%
EV
7,248,794
5,757,834
7,578,781
EBITDA
653,913
546,083
507,957
EV/EBITDA
11.09
10.54
14.92
Interest
29,505
13,069
17,100
Interest/NOPBT
4.99%
2.68%
3.74%