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 25.08%
2
Flat results in Sep 25
- OPERATING CASH FLOW(Y) Lowest at PLN -903.98 MM
- ROCE(HY) Lowest at 20.9%
- CASH AND EQV(HY) Lowest at PLN 580.36 MM
3
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
4
Underperformed the market in the last 1 year
- The stock has generated a return of 8.33% in the last 1 year, much lower than market (Poland WIG) returns of 27.62%
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
KRUK SA
8.33%
20.25
27.27%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality 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%
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
INVENTORY TURNOVER RATIO(HY)
Highest at 15.45 times
INTEREST COVERAGE RATIO(Q)
Highest at 295.79
RAW MATERIAL COST(Y)
Fallen by -1.48% (YoY
DEBTORS TURNOVER RATIO(HY)
Highest at 28.92 times
NET SALES(Q)
Highest at PLN 642.05 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN -903.98 MM
ROCE(HY)
Lowest at 20.9%
CASH AND EQV(HY)
Lowest at PLN 580.36 MM
DEBT-EQUITY RATIO
(HY)
Highest at 133.15 %
Here's what is working for KRUK SA
Interest Coverage Ratio
Highest at 295.79
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Inventory Turnover Ratio
Highest at 15.45 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
Net Sales
Highest at PLN 642.05 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (PLN MM)
Debtors Turnover Ratio
Highest at 28.92 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 -1.48% (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
Depreciation
Highest at PLN 16.61 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (PLN MM)
Here's what is not working for KRUK SA
Operating Cash Flow
Lowest at PLN -903.98 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PLN MM)
Cash and Eqv
Lowest at PLN 580.36 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Debt-Equity Ratio
Highest at 133.15 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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