KRUK SA

  • Market Cap: Mid Cap
  • Industry: Miscellaneous
  • ISIN: PLKRK0000010
PLN
479.70
3 (0.63%)
  • 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

35.81 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

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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

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Miscellaneous

stock-summary
Market cap

PLN 9,191 Million (Mid Cap)

stock-summary
P/E

6.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

3.78%

stock-summary
Debt Equity

-0.06

stock-summary
Return on Equity

28.16%

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Price to Book

1.81

Revenue and Profits:
Net Sales:
609 Million
(Quarterly Results - Mar 2025)
Net Profit:
252 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
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 stock-summary
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
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
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) - Mar'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Mar 2025 is -0.51% vs 3.80% in Dec 2024",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Mar 2025 is 118.49% vs -67.66% in Dec 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Mar'25",
        "Dec'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "608.80",
          "val2": "611.90",
          "chgp": "-0.51%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "379.70",
          "val2": "351.90",
          "chgp": "7.90%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "139.30",
          "val2": "138.60",
          "chgp": "0.51%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-138.00",
          "val2": "-114.80",
          "chgp": "-20.21%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "251.70",
          "val2": "115.20",
          "chgp": "118.49%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "917.40%",
          "val2": "502.50%",
          "chgp": "41.49%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 18.57% vs 25.28% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 9.15% vs 22.26% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "2,211.50",
          "val2": "1,865.20",
          "chgp": "18.57%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,345.20",
          "val2": "1,020.40",
          "chgp": "31.83%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "523.70",
          "val2": "388.00",
          "chgp": "34.97%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-449.00",
          "val2": "-359.00",
          "chgp": "-25.07%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "1,074.30",
          "val2": "984.20",
          "chgp": "9.15%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "895.20%",
          "val2": "942.50%",
          "chgp": "-4.73%",
          "chgp_class": "negative"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Consolidated) - Mar'25 - QoQstock-summary
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.
Direction Arrows
Net Sales

QoQ Growth in quarter ended Mar 2025 is -0.51% vs 3.80% in Dec 2024

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Mar 2025 is 118.49% vs -67.66% in Dec 2024

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
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.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is 18.57% vs 25.28% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 9.15% vs 22.26% in Dec 2023

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
stock-summary
Tel: 48 71 790280048 71 7902851
stock-summary
Registrar Details