Dashboard
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 30.46%
- Poor long term growth as Operating profit has grown by an annual rate of 25.08%
2
Flat results in Mar 25
3
With ROE of 31.55%, it has a fair valuation with a 1.82 Price to Book Value
4
Underperformed the market in the last 1 year
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
1.89%
0%
1.89%
6 Months
19.45%
0%
19.45%
1 Year
10.53%
0%
10.53%
2 Years
2.81%
0%
2.81%
3 Years
73.93%
0%
73.93%
4 Years
35.13%
0%
35.13%
5 Years
248.11%
0%
248.11%
KRUK SA for the last several years.
Risk Adjusted Returns v/s 
News

KRUK SA Adjusts Valuation Amid Strong Financial Metrics and Market Position Changes
KRUK SA has recently experienced a change in its evaluation, reflecting a shift in its market position. The company maintains a P/E ratio of 6 and a Price to Book Value of 1.71, alongside strong operational metrics and a notable return on equity of 30.60%.
Read More Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
13.32%
EBIT Growth (5y)
25.08%
EBIT to Interest (avg)
4.84
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0.49
Tax Ratio
Tax Ratio is Negative%
Dividend Payout Ratio
32.41%
Pledged Shares
0
Institutional Holding
0.17%
ROCE (avg)
29.58%
ROE (avg)
30.46%
Valuation key factors
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
1.82
EV to EBIT
6.10
EV to EBITDA
5.84
EV to Capital Employed
1.87
EV to Sales
3.49
PEG Ratio
5.77
Dividend Yield
4.01%
ROCE (Latest)
30.63%
ROE (Latest)
31.55%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Shareholding Snapshot : Jun 2017
Shareholding Compare (%holding) 
Majority shareholders
Foreign Institutions
Domestic Funds
Held in 0 Schemes (0%)
Foreign Institutions
Held by 1 Foreign Institutions (0.17%)
Strategic Entities with highest holding
Highest Public shareholder
Quarterly Results Snapshot (Consolidated) - Mar'25 - QoQ
Mar'25
Dec'24
Change(%)
Net Sales
608.80
611.90
-0.51%
Operating Profit (PBDIT) excl Other Income
379.70
351.90
7.90%
Interest
139.30
138.60
0.51%
Exceptional Items
-138.00
-114.80
-20.21%
Consolidate Net Profit
251.70
115.20
118.49%
Operating Profit Margin (Excl OI)
917.40%
502.50%
41.49%
USD in Million.
Net Sales
QoQ Growth in quarter ended Mar 2025 is -0.51% vs 3.80% in Dec 2024
Consolidated Net Profit
QoQ Growth in quarter ended Mar 2025 is 118.49% vs -67.66% in Dec 2024
Annual Results Snapshot (Consolidated) - Dec'24
Dec'24
Dec'23
Change(%)
Net Sales
2,211.50
1,865.20
18.57%
Operating Profit (PBDIT) excl Other Income
1,345.20
1,020.40
31.83%
Interest
523.70
388.00
34.97%
Exceptional Items
-449.00
-359.00
-25.07%
Consolidate Net Profit
1,074.30
984.20
9.15%
Operating Profit Margin (Excl OI)
895.20%
942.50%
-4.73%
USD in Million.
Net Sales
YoY Growth in year ended Dec 2024 is 18.57% vs 25.28% in Dec 2023
Consolidated Net Profit
YoY Growth in year ended Dec 2024 is 9.15% vs 22.26% in Dec 2023
About KRUK SA 
KRUK SA
Miscellaneous
Kruk SA is a Poland-based company, which is engaged in the business support industry. The Company is a multi-operator, which offers loss prevention and debt collection services. The Company divides its business into two main operating segments: Debt Purchase, including acquisition of non-performing debt portfolios, and Debt Collection Outsourcing, offering fee-based collection of debt on client’s behalf, focused on consumer and corporate loans. The Company provides services to financial institutions and large corporate customers. It manages receivables of banks, credit intermediaries, leasing companies and digital platform providers, among others. The Company’s operating activities concentrate in a number of countries, such as Poland, Romania, Czech Republic, Slovakia and Spain. The Company's subsidiaries include Kruk Deutschland GmbH, Presco Investments Sarl and Espand Soluciones de Gestion y Recuperacion de Deuda SL, among others.
Company Coordinates 
Company Details
Ul. Wolowska 8 , WROCLAW None : 51-116
Registrar Details






