Compare KRUK SA with Similar Stocks
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
Total Returns (Price + Dividend) 
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 
News
No Recent News for the Company
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
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
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) - Dec'25 - QoQ
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.
Net Sales
QoQ Growth in quarter ended Dec 2025 is 2.02% vs 7.72% in Sep 2025
Consolidated Net Profit
QoQ Growth in quarter ended Dec 2025 is -28.84% vs -11.88% in Sep 2025
Annual Results Snapshot (Consolidated) - Dec'25
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.
Net Sales
YoY Growth in year ended Dec 2025 is 13.14% vs 18.57% in Dec 2024
Consolidated Net Profit
YoY Growth in year ended Dec 2025 is 1.05% vs 9.15% in Dec 2024
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






