KRUK Spólka Akcyjna (KRU) Stock Overview
Engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, France, Germany, and Spain. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 2/6 |
| Past Performance | 1/6 |
| Financial Health | 2/6 |
| Dividends | 3/6 |
Rewards
Risk Analysis
KRU Community Fair Values
Create NarrativeSee what 30 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
KRUK Spólka Akcyjna Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | zł398.00 |
| 52 Week High | zł510.00 |
| 52 Week Low | zł378.00 |
| Beta | 0.26 |
| 1 Month Change | -7.87% |
| 3 Month Change | -14.54% |
| 1 Year Change | -1.44% |
| 3 Year Change | 3.54% |
| 5 Year Change | 47.63% |
| Change since IPO | 854.21% |
Recent News & Updates
Narrative Update • May 31
KRU: Cautious Downgrade Will Set Up Dividend Payout Repricing Potential
Analysts have kept the fair value for KRUK Spólka Akcyjna steady at PLN 540.40, with the latest price target reflecting updated views on the discount rate, revenue growth, profit margin, and future P/E following recent, more cautious Street research on the stock. Analyst Commentary Recent Street research has turned more cautious on KRUK Spólka Akcyjna, even as the fair value estimate has been maintained at PLN 540.40.Analysis Article • May 02
With EPS Growth And More, KRUK Spólka Akcyjna (WSE:KRU) Makes An Interesting Case
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Narrative Update • Apr 26
KRU: Reset Expectations And Dividend Proposal Will Support Further Share Upside
Analysts have trimmed their price target on KRUK Spólka Akcyjna from PLN 551.15 to PLN 540.40, citing updated assumptions for revenue growth, profit margins, discount rate and future P/E expectations following recent bearish Street research, including a downgrade from Citi. Analyst Commentary Bullish Takeaways Bullish analysts see the revised price target as still reflecting a premium for execution in core operations, even after incorporating more cautious assumptions for revenue growth and profit margins.Recent updates
Narrative Update • May 31
KRU: Cautious Downgrade Will Set Up Dividend Payout Repricing Potential
Analysts have kept the fair value for KRUK Spólka Akcyjna steady at PLN 540.40, with the latest price target reflecting updated views on the discount rate, revenue growth, profit margin, and future P/E following recent, more cautious Street research on the stock. Analyst Commentary Recent Street research has turned more cautious on KRUK Spólka Akcyjna, even as the fair value estimate has been maintained at PLN 540.40.Analysis Article • May 02
With EPS Growth And More, KRUK Spólka Akcyjna (WSE:KRU) Makes An Interesting Case
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Narrative Update • Apr 26
KRU: Reset Expectations And Dividend Proposal Will Support Further Share Upside
Analysts have trimmed their price target on KRUK Spólka Akcyjna from PLN 551.15 to PLN 540.40, citing updated assumptions for revenue growth, profit margins, discount rate and future P/E expectations following recent bearish Street research, including a downgrade from Citi. Analyst Commentary Bullish Takeaways Bullish analysts see the revised price target as still reflecting a premium for execution in core operations, even after incorporating more cautious assumptions for revenue growth and profit margins.Narrative Update • Apr 12
KRU: Preliminary 2025 Profit Estimates Will Support Further Share Upside
Analysts have maintained their PLN 551.15 price target for KRUK Spólka Akcyjna, citing only minor adjustments to the discount rate, revenue growth, profit margin and future P/E assumptions that do not materially change their view on the shares. What's in the News KRUK Spólka Akcyjna released preliminary consolidated estimates for the fourth quarter of 2025, with an estimated net profit of PLN 208 million (Key Developments).Narrative Update • Mar 28
KRU: Solid 2025 Profit Guidance Will Support Future Upside Potential
Analysts have slightly reduced their price target for KRUK Spólka Akcyjna, with fair value moving from PLN 555.35 to PLN 551.15 as updated assumptions reflect different views on revenue growth, profit margins and future P/E levels. What's in the News KRUK Spólka Akcyjna issued preliminary consolidated estimates for the fourth quarter of 2025, with estimated net profit of PLN 208 million for the period.Narrative Update • Mar 10
KRU: Steady Fair Value And Robust 2025 Profit Outlook Will Support Upside
The analyst price target for KRUK Spólka Akcyjna is unchanged at PLN 555.35. Analysts highlight a slightly higher discount rate, slower revenue growth assumptions at 4.32%, and a higher projected profit margin of 52.51% that keeps the expected future P/E at 9.88x broadly in line with prior estimates.Narrative Update • Feb 24
KRU: Steady Fair Value And Preliminary 2025 Profits Will Support Future Upside
Analysts have kept their PLN price target for KRUK Spólka Akcyjna broadly steady, with only a marginal adjustment that reflects a slightly lower discount rate while assuming an unchanged fair value at PLN 555.35 and a future P/E of about 10.37x. What's in the News KRUK Spólka Akcyjna issued preliminary consolidated estimates for Q4 2025, indicating an expected net profit of PLN 208 million for the quarter (Key Developments).Narrative Update • Feb 08
KRU: Higher Profitability Assumptions Will Support Stronger Future Fair Value
Analysts have revised their price target for KRUK Spólka Akcyjna to PLN 555.35 from PLN 532.10, based on updated assumptions regarding the discount rate, revenue growth, profit margin and future P/E levels. Valuation Changes Fair Value: revised to PLN 555.35 from PLN 532.10.Narrative Update • Jan 24
KRU: Stable Assumptions And Slightly Lower Discount Rate Will Support Fair Value
Analysts have kept their price target for KRUK Spólka Akcyjna steady at €532.10, supported by unchanged fair value estimates alongside only minor tweaks to inputs such as discount rate, revenue growth, profit margin and future P/E assumptions. Valuation Changes Fair Value: The fair value estimate remains at €532.10 per share, with no change between the previous and updated models.Narrative Update • Jan 10
KRU: Stable Margins And Slightly Lower Discount Rate Will Support Fair Value
Analysts have maintained their fair value estimate for KRUK Spólka Akcyjna at PLN 532.10, making only minor adjustments to inputs such as the discount rate and long term profit assumptions that support this unchanged price target. Valuation Changes Fair Value Estimate: unchanged at PLN 532.10 per share, reflecting the net effect of small input revisions.Narrative Update • Dec 22
KRU: Stable Margins And Slight Discount Rate Will Support Future Upside
Analysts have inched their price target for KRUK Spólka Akcyjna higher by a negligible margin to reflect a slightly lower discount rate and largely unchanged assumptions on revenue growth, profit margins, and future valuation multiples. Valuation Changes Fair Value: unchanged at approximately PLN 532.10 per share, indicating no material shift in intrinsic value estimates.Narrative Update • Dec 08
KRU: Stable Margins And Slightly Higher Return Hurdle Will Support Upside
Analysts have raised their price target on KRUK Spólka Akcyjna by a modest amount to reflect a slightly higher projected discount rate, while keeping fair value estimates broadly unchanged at approximately PLN 532.10 per share. Valuation Changes Fair Value Estimate remains unchanged at approximately PLN 532.10 per share, indicating no material revision to the intrinsic valuation.Narrative Update • Nov 24
KRU: Net Profit Margin Stability Will Sustain Bullish Momentum
Narrative Update on KRUK Spólka Akcyjna Analysts have maintained their price target for KRUK Spólka Akcyjna at PLN 532.10. They cite negligible changes in discount rate, revenue growth, and profit margin assumptions, which do not materially alter their investment outlook.Narrative Update • Nov 07
KRU: Profit Margin Strength and Lower Discount Rate Will Drive Upside
Analysts have raised their price target for KRUK Spólka Akcyjna from PLN 523.51 to PLN 532.10. This increase is attributed to improvements in profit margin forecasts and a lower discount rate.Analysis Article • Nov 07
Cautious Investors Not Rewarding KRUK Spólka Akcyjna's (WSE:KRU) Performance Completely
KRUK Spólka Akcyjna's ( WSE:KRU ) price-to-earnings (or "P/E") ratio of 9x might make it look like a buy right now...Narrative Update • Oct 24
Digital Transformation And EU Expansion Will Boost Market Strength
Analysts have raised their fair value estimate for KRUK Spólka Akcyjna from PLN 509.26 to PLN 523.51. They cite slight improvements in profit margin expectations and a marginally higher projected discount rate as the reasons for this change.Analysis Article • Jul 24
Investors Aren't Buying KRUK Spólka Akcyjna's (WSE:KRU) Earnings
When close to half the companies in Poland have price-to-earnings ratios (or "P/E's") above 14x, you may consider KRUK...Analysis Article • Jun 17
Here's Why KRUK Spólka Akcyjna's (WSE:KRU) CEO Compensation Is The Least Of Shareholders' Concerns
Key Insights KRUK Spólka Akcyjna will host its Annual General Meeting on 23rd of June Total pay for CEO Piotr Krupa...Analysis Article • Mar 31
Earnings Working Against KRUK Spólka Akcyjna's (WSE:KRU) Share Price
KRUK Spólka Akcyjna's ( WSE:KRU ) price-to-earnings (or "P/E") ratio of 7.1x might make it look like a buy right now...
New Narrative • Feb 15
Investments In Poland And Digital Transformation Will Drive Efficiency, But 21% Cost Increase May Affect Future Profitability
KRUK's focus on technology and digital transformation aims to boost efficiency, cash flow, and profitability over the mid to long term.Analysis Article • Nov 27
Improved Earnings Required Before KRUK Spólka Akcyjna (WSE:KRU) Shares Find Their Feet
KRUK Spólka Akcyjna's ( WSE:KRU ) price-to-earnings (or "P/E") ratio of 6.9x might make it look like a buy right now...Analysis Article • Aug 14
KRUK Spólka Akcyjna's (WSE:KRU) Earnings Are Not Doing Enough For Some Investors
When close to half the companies in Poland have price-to-earnings ratios (or "P/E's") above 12x, you may consider KRUK...Analysis Article • Jun 08
Here's Why KRUK Spólka Akcyjna (WSE:KRU) Has Caught The Eye Of Investors
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Analysis Article • May 04
This Is The Reason Why We Think KRUK Spólka Akcyjna's (WSE:KRU) CEO Might Be Underpaid
Key Insights KRUK Spólka Akcyjna to hold its Annual General Meeting on 10th of May Total pay for CEO Piotr Krupa...Analysis Article • Feb 11
Many Still Looking Away From KRUK Spólka Akcyjna (WSE:KRU)
When close to half the companies in Poland have price-to-earnings ratios (or "P/E's") above 13x, you may consider KRUK...Analysis Article • Dec 16
Here's Why We Think KRUK Spólka Akcyjna (WSE:KRU) Is Well Worth Watching
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Analysis Article • Aug 14
Do KRUK Spólka Akcyjna's (WSE:KRU) Earnings Warrant Your Attention?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Analysis Article • Apr 10
Does KRUK Spólka Akcyjna (WSE:KRU) Deserve A Spot On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Analysis Article • Jan 05
With EPS Growth And More, KRUK Spólka Akcyjna (WSE:KRU) Makes An Interesting Case
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Analysis Article • Aug 12
Here's Why We Think KRUK Spólka Akcyjna (WSE:KRU) Is Well Worth Watching
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Analysis Article • Apr 28
Does KRUK Spólka Akcyjna (WSE:KRU) Deserve A Spot On Your Watchlist?
Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...Shareholder Returns
| KRU | PL Consumer Finance | PL Market | |
|---|---|---|---|
| 7D | -0.5% | -3.0% | -0.7% |
| 1Y | -1.4% | 0.09% | 28.0% |
Return vs Industry: KRU underperformed the Polish Consumer Finance industry which returned 0.1% over the past year.
Return vs Market: KRU underperformed the Polish Market which returned 28% over the past year.
Price Volatility
| KRU volatility | |
|---|---|
| KRU Average Weekly Movement | 4.3% |
| Consumer Finance Industry Average Movement | 5.6% |
| Market Average Movement | 5.3% |
| 10% most volatile stocks in PL Market | 11.2% |
| 10% least volatile stocks in PL Market | 3.1% |
Stable Share Price: KRU has not had significant price volatility in the past 3 months compared to the Polish market.
Volatility Over Time: KRU's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1998 | 3,390 | Piotr Krupa | www.pl.kruk.eu |
KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, France, Germany, and Spain. The company operates through three segments: Consumer Debts, Mortgage Debts, and Corporate Debts. It offers credit management services, including receivables management services to banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and companies from the FMCG sector.
KRUK Spólka Akcyjna Fundamentals Summary
| KRU fundamental statistics | |
|---|---|
| Market cap | zł7.78b |
| Earnings (TTM) | zł1.10b |
| Revenue (TTM) | zł2.61b |
7.1x
P/E Ratio3.0x
P/S RatioIs KRU overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| KRU income statement (TTM) | |
|---|---|
| Revenue | zł2.61b |
| Cost of Revenue | zł684.67m |
| Gross Profit | zł1.92b |
| Other Expenses | zł825.60m |
| Earnings | zł1.10b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Aug 26, 2026
| Earnings per share (EPS) | 56.06 |
| Gross Margin | 73.73% |
| Net Profit Margin | 42.05% |
| Debt/Equity Ratio | 129.4% |
How did KRU perform over the long term?
See historical performance and comparisonDividends
4.5%
Current Dividend Yield35%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/08 23:23 |
| End of Day Share Price | 2026/06/08 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
KRUK Spólka Akcyjna is covered by 9 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kamil Kliszcz | Biuro maklerskie mBanku |
| Mikolaj Lemanczyk | Biuro maklerskie mBanku |
| Michal Konarski | Biuro maklerskie mBanku |