KRUK SA

  • Market Cap: Large Cap
  • Industry: Miscellaneous
  • ISIN: PLKRK0000010
PLN
433.30
-2.2 (-0.51%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

20.93 k

Shareholding (Jun 2017)

FII

0.17%

Held by 1 FIIs

DII

99.83%

Held by 0 DIIs

Promoter

0.00%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Dashboard

1

With ROE of 31.55%, it has a fair valuation with a 1.82 Price to Book Value

  • The stock is trading at a premium compared to its peers' average historical valuations
  • Over the past year, while the stock has generated a return of 8.33%, its profits have risen by 0.5% ; the PEG ratio of the company is 5.8
stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Miscellaneous

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Market cap

PLN 9,785 Million (Large Cap)

stock-summary
P/E

6.00

stock-summary
Industry P/E

NA

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Dividend Yield

3.55%

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Debt Equity

-0.06

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Return on Equity

28.16%

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Price to Book

1.92

Revenue and Profits:
Net Sales:
655 Million
(Quarterly Results - Dec 2025)
Net Profit:
208 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-11.98%
0%
-11.98%
6 Months
-8.35%
0%
-8.35%
1 Year
8.33%
0%
8.33%
2 Years
-4.01%
0%
-4.01%
3 Years
43.29%
0%
43.29%
4 Years
37.91%
0%
37.91%
5 Years
142.61%
0%
142.61%

KRUK SA for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

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
Bearish
Bullish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Jun 2017stock-summary
Shareholding Compare (%holding) stock-summary
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

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Dec 2025 is 2.02% vs 7.72% in Sep 2025",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2025 is -28.84% vs -11.88% in Sep 2025",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Sep'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "655.10",
          "val2": "642.10",
          "chgp": "2.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "387.70",
          "val2": "402.10",
          "chgp": "-3.58%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "133.40",
          "val2": "135.90",
          "chgp": "-1.84%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "-125.30",
          "val2": "-105.00",
          "chgp": "-19.33%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "208.50",
          "val2": "293.00",
          "chgp": "-28.84%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "766.50%",
          "val2": "847.80%",
          "chgp": "-8.13%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'25",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2025 is 13.14% vs 18.57% in Dec 2024",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2025 is 1.05% vs 9.15% in Dec 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "2,502.10",
          "val2": "2,211.50",
          "chgp": "13.14%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,508.70",
          "val2": "1,345.20",
          "chgp": "12.15%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "534.80",
          "val2": "523.70",
          "chgp": "2.12%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-466.40",
          "val2": "-449.00",
          "chgp": "-3.88%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "1,085.60",
          "val2": "1,074.30",
          "chgp": "1.05%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "852.10%",
          "val2": "895.20%",
          "chgp": "-4.31%",
          "chgp_class": "negative"
        }
      ]
    }
  }
]

Quarterly Results Snapshot (Consolidated) - Dec'25 - QoQstock-summary

Dec'25
Sep'25
Change(%)
Net Sales
655.10
642.10
2.02%
Operating Profit (PBDIT) excl Other Income
387.70
402.10
-3.58%
Interest
133.40
135.90
-1.84%
Exceptional Items
-125.30
-105.00
-19.33%
Consolidate Net Profit
208.50
293.00
-28.84%
Operating Profit Margin (Excl OI)
766.50%
847.80%
-8.13%
USD in Million.
Direction Arrows
Net Sales

QoQ Growth in quarter ended Dec 2025 is 2.02% vs 7.72% in Sep 2025

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Dec 2025 is -28.84% vs -11.88% in Sep 2025

Annual Results Snapshot (Consolidated) - Dec'25stock-summary

Dec'25
Dec'24
Change(%)
Net Sales
2,502.10
2,211.50
13.14%
Operating Profit (PBDIT) excl Other Income
1,508.70
1,345.20
12.15%
Interest
534.80
523.70
2.12%
Exceptional Items
-466.40
-449.00
-3.88%
Consolidate Net Profit
1,085.60
1,074.30
1.05%
Operating Profit Margin (Excl OI)
852.10%
895.20%
-4.31%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2025 is 13.14% vs 18.57% in Dec 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 1.05% vs 9.15% in Dec 2024

stock-summaryCompany CV
About KRUK SA stock-summary
stock-summary
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 stock-summary
Company Details
Ul. Wolowska 8 , WROCLAW None : 51-116
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Tel: 48 71 790280048 71 7902851
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Registrar Details