ScoreWhy is KRUK SA ?
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 18.62%
2
Poor long term growth as Operating profit has grown by an annual rate of 18.62%
3
Positive results in Jun 26
- INVENTORY TURNOVER RATIO(HY) Highest at 18.58 times
- RAW MATERIAL COST(Y) Fallen by 0.03% (YoY)
- DEBTORS TURNOVER RATIO(HY) Highest at 32.23 times
4
With ROE of 27.14%, it has a very attractive valuation with a 1.40 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 -18.94%, its profits have risen by 4.6% ; the PEG ratio of the company is 1.3
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -18.94% returns in the last 1 year, the stock has also underperformed Poland WIG in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to KRUK SA should be less than 10%
- Overall Portfolio exposure to Miscellaneous should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Miscellaneous)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is KRUK SA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
KRUK SA
-18.94%
16.64
27.14%
Poland WIG
43.29%
2.67
16.21%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.29%
EBIT Growth (5y)
18.62%
EBIT to Interest (avg)
4.13
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0.49
Tax Ratio
2.64%
Dividend Payout Ratio
35.77%
Pledged Shares
0
Institutional Holding
0.17%
ROCE (avg)
29.21%
ROE (avg)
30.46%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
1.40
EV to EBIT
4.98
EV to EBITDA
4.76
EV to Capital Employed
1.43
EV to Sales
2.94
PEG Ratio
1.29
Dividend Yield
9.29%
ROCE (Latest)
28.74%
ROE (Latest)
27.14%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
INVENTORY TURNOVER RATIO(HY)
Highest at 18.58 times
RAW MATERIAL COST(Y)
Fallen by 0.03% (YoY
DEBTORS TURNOVER RATIO(HY)
Highest at 32.23 times
PRE-TAX PROFIT(Q)
Highest at PLN 420.55 MM
-4What is not working for the Company
ROCE(HY)
Lowest at 20.52%
INTEREST COVERAGE RATIO(Q)
Lowest at 259.81
Here's what is working for KRUK SA
Inventory Turnover Ratio
Highest at 18.58 times and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its inventory faster
Inventory Turnover Ratio
Pre-Tax Profit
Highest at PLN 420.55 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PLN MM)
Debtors Turnover Ratio
Highest at 32.23 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Raw Material Cost
Fallen by 0.03% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for KRUK SA
Interest Coverage Ratio
Lowest at 259.81
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
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