(KRU) Kruk - Ratings and Ratios
Receivables, Debt Portfolios, Mortgage Management, Debt Collection
KRU EPS (Earnings per Share)
KRU Revenue
Description: KRU Kruk
Kruk SA is a debt management company operating in multiple countries, including Poland, Romania, Italy, and others. The company provides credit management services to various industries, including banking, insurance, and telecommunications. Its business segments include Consumer Debts, Mortgage Debts, and Corporate Debts.
The companys diversified revenue streams come from credit management services, debt portfolio purchases, and management, as well as loan services and financial intermediation. Kruk SA also invests in receivables and other funds, and has expanded its operations to include real estate acquisition and management, IT and software development, and law firm related activities.
From a financial perspective, Kruk SA has demonstrated strong profitability, with a Return on Equity (RoE) of 22.16%. The companys market capitalization stands at approximately 7836.21M PLN, with a Price-to-Earnings (P/E) ratio of 8.36. To further evaluate the companys performance, other key metrics to consider include its Debt-to-Equity ratio, Interest Coverage ratio, and Revenue growth rate.
Some additional KPIs that could be useful in evaluating Kruk SAs performance include its Net Debt/EBITDA ratio, which can provide insight into the companys leverage and ability to service its debt. The companys operating margin and EBITDA margin can also be useful in assessing its profitability and efficiency. Furthermore, metrics such as the companys loan book growth rate and debt recovery rate can provide insight into its core business performance.
KRU Stock Overview
| Market Cap in USD | 2,530m |
| Sub-Industry | Consumer Finance |
| IPO / Inception |
KRU Stock Ratings
| Growth Rating | 62.7% |
| Fundamental | 61.7% |
| Dividend Rating | 80.2% |
| Return 12m vs S&P 500 | -1.75% |
| Analyst Rating | - |
KRU Dividends
| Dividend Yield 12m | 4.08% |
| Yield on Cost 5y | 16.64% |
| Annual Growth 5y | 13.10% |
| Payout Consistency | 81.4% |
| Payout Ratio | 34.8% |
KRU Growth Ratios
| Growth Correlation 3m | 97.8% |
| Growth Correlation 12m | -7.9% |
| Growth Correlation 5y | 86.3% |
| CAGR 5y | 30.92% |
| CAGR/Max DD 3y | 1.18 |
| CAGR/Mean DD 3y | 4.76 |
| Sharpe Ratio 12m | -0.16 |
| Alpha | 0.00 |
| Beta | 0.190 |
| Volatility | 30.72% |
| Current Volume | 31.9k |
| Average Volume 20d | 30.9k |
| Stop Loss | 464 (-3%) |
| Signal | 1.37 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (1.06b TTM) > 0 and > 6% of Revenue (6% = 144.7m TTM) |
| FCFTA -0.04 (>2.0%) and ΔFCFTA 3.62pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 122.4% (prev 124.9%; Δ -2.46pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.04 (>3.0%) and CFO -434.1m <= Net Income 1.06b (YES >=105%, WARN >=100%) |
| Net Debt (6.20b) to EBITDA (1.06b) ratio: 5.87 <= 3.0 (WARN <= 3.5) |
| Current Ratio 4.50 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (19.4m) change vs 12m ago 0.40% (target <= -2.0% for YES) |
| Gross Margin 55.22% (prev 52.24%; Δ 2.98pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 21.62% (prev 19.28%; Δ 2.33pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 594.2 (EBITDA TTM 1.06b / Interest Expense TTM 1.78m) >= 6 (WARN >= 3) |
Altman Z'' 3.99
| (A) 0.24 = (Total Current Assets 3.80b - Total Current Liabilities 844.4m) / Total Assets 12.10b |
| (B) 0.35 = Retained Earnings (Balance) 4.24b / Total Assets 12.10b |
| (C) 0.09 = EBIT TTM 1.06b / Avg Total Assets 11.16b |
| (D) 0.58 = Book Value of Equity 4.24b / Total Liabilities 7.34b |
| Total Rating: 3.99 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 61.70
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield -3.54% = -1.77 |
| 3. FCF Margin -22.48% = -7.50 |
| 4. Debt/Equity 1.36 = 1.64 |
| 5. Debt/Ebitda 6.12 = -2.50 |
| 6. ROIC - WACC (= 12.73)% = 12.50 |
| 7. RoE 22.84% = 1.90 |
| 8. Rev. Trend 99.38% = 7.45 |
| 9. EPS Trend 29.41% = 1.47 |
What is the price of KRU shares?
Over the past week, the price has changed by +2.99%, over one month by +13.53%, over three months by +26.05% and over the past year by +16.46%.
Is Kruk a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of KRU is around 545.83 PLN . This means that KRU is currently undervalued and has a potential upside of +14.09% (Margin of Safety).
Is KRU a buy, sell or hold?
What are the forecasts/targets for the KRU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 509.3 | 6.5% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 598.8 | 25.2% |
KRU Fundamental Data Overview
Market Cap PLN = 9.13b (9.13b PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 266.1m PLN (Cash only, last quarter)
P/E Trailing = 9.1081
P/S = 3.8431
P/B = 1.9177
Beta = 0.75
Revenue TTM = 2.41b PLN
EBIT TTM = 1.06b PLN
EBITDA TTM = 1.06b PLN
Long Term Debt = 6.28b PLN (from longTermDebt, last quarter)
Short Term Debt = 188.6m PLN (from shortLongTermDebt, last quarter)
Debt = 6.47b PLN (Calculated: Short Term 188.6m + Long Term 6.28b)
Net Debt = 6.20b PLN (from netDebt column, last quarter)
Enterprise Value = 15.34b PLN (9.13b + Debt 6.47b - CCE 266.1m)
Interest Coverage Ratio = 594.2 (Ebit TTM 1.06b / Interest Expense TTM 1.78m)
FCF Yield = -3.54% (FCF TTM -542.3m / Enterprise Value 15.34b)
FCF Margin = -22.48% (FCF TTM -542.3m / Revenue TTM 2.41b)
Net Margin = 43.75% (Net Income TTM 1.06b / Revenue TTM 2.41b)
Gross Margin = 55.22% ((Revenue TTM 2.41b - Cost of Revenue TTM 1.08b) / Revenue TTM)
Tobins Q-Ratio = 3.61 (Enterprise Value 15.34b / Book Value Of Equity 4.24b)
Interest Expense / Debt = 0.03% (Interest Expense 1.78m / Debt 6.47b)
Taxrate = -6.32% (set to none) (-63.9m / 1.01b)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 4.50 (Total Current Assets 3.80b / Total Current Liabilities 844.4m)
Debt / Equity = 1.36 (Debt 6.47b / last Quarter total Stockholder Equity 4.76b)
Debt / EBITDA = 6.12 (Net Debt 6.20b / EBITDA 1.06b)
Debt / FCF = -11.93 (Debt 6.47b / FCF TTM -542.3m)
Total Stockholder Equity = 4.62b (last 4 quarters mean)
RoA = 8.72% (Net Income 1.06b, Total Assets 12.10b )
RoE = 22.84% (Net Income TTM 1.06b / Total Stockholder Equity 4.62b)
RoCE = 9.70% (Ebit 1.06b / (Equity 4.62b + L.T.Debt 6.28b))
RoIC = 12.73% (Ebit 1.06b / (Assets 12.10b - Current Assets 3.80b))
WACC = unknown (E(9.13b)/V(15.61b) * Re(6.71%)) + (D(6.47b)/V(15.61b) * Rd(0.03%) * (1-Tc(none)))
Shares Correlation 3-Years: 41.22 | Cagr: 0.30%
Discount Rate = 6.71% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow -542.3m)
EPS Correlation: 29.41 | EPS CAGR: 21.46% | SUE: N/A | # QB: 0
Revenue Correlation: 99.38 | Revenue CAGR: 19.30% | SUE: -0.70 | # QB: 0