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KRUK Spólka Akcyjna (KRU.WA)
Wroclaw, PL
KRUK Spólka Akcyjna, alongside its various subsidiary entities, operates as an international debt management specialist, with its presence spanning Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, and Spain. The company’s business activities are structured across three primary segments: Debt Purchase, Credit Management, and a broader 'Other' category. Central to KRUK's operations is the acquisition and administration of diverse debt portfolios, including consumer, mortgage-backed, and corporate obligations. Beyond this, the firm extends various financial products, such as unsecured consumer loans, mortgage financing, and credit solutions tailored for SMEs and corporations, complemented by comprehensive credit management services. KRUK also manages the receivables for a wide array of clients, including financial institutions like banks, loan brokers, and insurers, as well as leasing companies. Its client base further encompasses landline and mobile telecommunications providers, cable and digital TV operators, and fast-moving consumer goods (FMCG) businesses. The company's service offerings are extensive, featuring specialized Novum loan facilities, investigative services, financial intermediation, and auxiliary support specifically for small and medium-sized enterprises. Furthermore, KRUK is involved in gathering, processing, and providing credit information on individuals, delivering additional receivable management solutions, and conducting portfolio underwriting. Diversifying its operations, KRUK strategically invests in both receivables and certificates of securitization funds, and it also engages in the acquisition of agricultural real estate. Founded in 1998, KRUK Spólka Akcyjna maintains its principal office in Wroclaw, Poland.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.21% | -2.69% | -11.87% | -13.88% | -9.02% | -15.23% | +2.90% | +13.27% | +128.75% | +121.32% | +912.95% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | -1 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%+13.6% ★ Q1'26: +10.5% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+1.1% Q1'26: +2.5% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+42.2% Q1'26: +52.5% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+66.8% ★ Q1'26: +60.7% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+17.3% ★ Q1'26: +12.5% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%0.0% ★ Q1'26: +1.6% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×4.21× ★ Q1'26: 4.31× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 4 Rev. Ana. 2 EPS Ana. |
Dec 2028 3 Rev. Ana. 1 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
611.23M
est: 570.29M (+7.2%)
|
783.40M
est: 835.30M (-6.2%)
|
958.35M
est: 1.08B (-11.2%)
|
972.63M
est: 1.21B (-19.4%)
|
1.15B
est: 1.24B (-7.6%)
|
1.16B
est: 1.07B (+8.7%)
|
1.20B
est: 1.71B (-29.9%)
|
1.49B
est: 2.05B (-27.3%)
|
1.79B
est: 1.97B (-8.9%)
|
2.20B
est: 3.05B (-27.7%)
|
2.50B
est: 3.17B (-20.9%)
|
3.43B
3.35B – 3.52B
+8.4% YoY
|
3.73B
3.56B – 3.91B
+8.7% YoY
|
4.10B
3.92B – 4.27B
+9.8% YoY
|
3.17B
3.10B – 3.25B
-22.5% YoY
|
| EBITDA |
219.14M
est: 291.88M (-24.9%)
|
300.04M
est: 427.51M (-29.8%)
|
345.54M
est: 552.24M (-37.4%)
|
392.46M
est: 617.31M (-36.4%)
|
360.83M
est: 634.64M (-43.1%)
|
269.17M
est: 546.44M (-50.7%)
|
831.49M
est: 877.16M (-5.2%)
|
901.84M
est: 1.05B (-13.9%)
|
1.03B
est: 1.19B (-13.5%)
|
1.00B
est: 1.84B (-45.5%)
|
1.74B
est: 1.91B (-9.2%)
|
2.07B
2.02B – 2.13B
+8.4% YoY
|
2.25B
2.15B – 2.36B
+8.7% YoY
|
2.47B
2.37B – 2.58B
+9.8% YoY
|
1.92B
1.87B – 1.97B
-22.5% YoY
|
| EBIT |
208.60M
est: 271.86M (-23.3%)
|
286.51M
est: 398.18M (-28.0%)
|
326.86M
est: 514.36M (-36.5%)
|
372.54M
est: 574.97M (-35.2%)
|
316.79M
est: 591.10M (-46.4%)
|
222.62M
est: 508.95M (-56.3%)
|
783.14M
est: 816.99M (-4.1%)
|
850.65M
est: 976.00M (-12.8%)
|
971.20M
est: 1.13B (-13.8%)
|
942.20M
est: 1.74B (-46.0%)
|
1.67B
est: 1.81B (-7.7%)
|
1.96B
1.91B – 2.01B
+8.4% YoY
|
2.13B
2.03B – 2.24B
+8.7% YoY
|
2.34B
2.24B – 2.44B
+9.8% YoY
|
1.81B
1.77B – 1.86B
-22.5% YoY
|
| Net Income |
204.23M
est: 221.27M (-7.7%)
|
248.66M
est: 279.87M (-11.1%)
|
295.10M
est: 345.08M (-14.5%)
|
330.02M
est: 368.60M (-10.5%)
|
276.39M
est: 359.81M (-23.2%)
|
81.36M
est: 104.15M (-21.9%)
|
694.76M
est: 719.86M (-3.5%)
|
804.98M
est: 844.19M (-4.6%)
|
983.93M
est: 1.12B (-12.3%)
|
1.07B
est: 1.21B (-11.4%)
|
1.09B
est: 1.18B (-8.0%)
|
1.23B
1.16B – 1.26B
+4.4% YoY
|
1.27B
1.25B – 1.39B
+3.5% YoY
|
1.36B
1.34B – 1.43B
+6.9% YoY
|
1.95B
1.89B – 2.01B
+43.0% YoY
|
| SGA |
101.19M
est: 144.59M (-30.0%)
|
144.05M
est: 211.78M (-32.0%)
|
216.02M
est: 273.56M (-21.0%)
|
213.72M
est: 305.80M (-30.1%)
|
258.67M
est: 314.38M (-17.7%)
|
255.96M
est: 270.69M (-5.4%)
|
310.17M
est: 434.52M (-28.6%)
|
395.60M
est: 519.09M (-23.8%)
|
464.59M
est: 412.62M (+12.6%)
|
582.81M
est: 638.50M (-8.7%)
|
—
est: 662.85M (-100.0%)
|
718.55M
701.04M – 736.61M
+8.4% YoY
|
781.30M
744.80M – 818.91M
+8.7% YoY
|
857.63M
820.46M – 894.81M
+9.8% YoY
|
664.59M
648.39M – 681.29M
-22.5% YoY
|
| EPS |
11.84
est: 10.80 (+9.6%)
|
14.08
est: 13.66 (+3.1%)
|
15.74
est: 16.85 (-6.6%)
|
17.51
est: 17.99 (-2.7%)
|
14.61
est: 17.57 (-16.8%)
|
4.29
est: 5.08 (-15.6%)
|
36.63
est: 35.14 (+4.2%)
|
42.07
est: 41.83 (+0.6%)
|
50.93
est: 54.79 (-7.1%)
|
55.54
est: 59.16 (-6.1%)
|
55.92
est: 57.56 (-2.9%)
|
59.24
56.88 – 61.61
+2.9% YoY
|
65.01
60.84 – 68.03
+9.7% YoY
|
67.54
65.40 – 69.75
+3.9% YoY
|
95.10
92.09 – 98.21
+40.8% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-08 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-04 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-30 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Poland ETF EPOL | 1.32% | 8.78M | 0.59% |
| 2 | RockCreek Global Equality ETF RCGE | 0.49% | 468.2K | 0.95% |
| 3 | State Street SPDR S&P Emerging Markets Dividend ETF EDIV | 0.48% | 5.85M | 0.49% |
| 4 | Avantis Emerging Markets Small Cap Equity ETF AVEE | 0.12% | 141.4K | 0.42% |
| 5 | iShares MSCI Emerging Markets Small-Cap ETF EEMS | 0.12% | 434.5K | 0.72% |
| 6 | iShares MSCI EM Small Cap UCITS ETF IEMS.L | 0.11% | 398.7K | 0.74% |
| 7 | State Street SPDR MSCI Emerging Markets Small Cap UCITS ETF EMSD.L | 0.11% | 648.2K | 0.55% |
| 8 | FlexShares Morningstar Developed Markets ex-US Factor Tilt Index Fund TLTD | 0.10% | 626.5K | 0.41% |
| 9 | WisdomTree True Emerging Markets Fund XC | 0.08% | 62.8K | 0.32% |
| 10 | Schwab International Small-Cap Equity ETF SCHC | 0.08% | 4.16M | 0.06% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Piotr Krupa | President of the Management Board & Chief Executive Officer | 4M | male |
| Piotr Kowalewski | Chief Operating Officer & Member of the Management Board | 1M | male |
| Michal Zasepa | Chief Financial Officer & Member of the Management Board | 1M | male |
| Urszula Okarma | Chief Investment Officer & Member of the Management Board | 1M | female |
| Adam Lodygowski | Member of Management Board and Chief Data & Technology Officer | 1M | male |
| Damian Babka | Investor Relations & Business Development Manager | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for KRU.WA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
