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Overview
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Kruk stock

KRU.WA
PLKRK0000010
A1JFY4

Price

421.94
Today +/-
+1.49
Today %
+1.51 %

Kruk stock price

%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the Kruk stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Kruk stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Kruk stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Kruk's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Kruk Stock Price History

DateKruk Price
12/27/2024421.94 undefined
12/23/2024415.60 undefined
12/20/2024419.40 undefined
12/19/2024418.80 undefined
12/18/2024422.00 undefined
12/17/2024420.60 undefined
12/16/2024437.60 undefined
12/13/2024434.60 undefined
12/12/2024434.00 undefined
12/11/2024431.40 undefined
12/10/2024432.20 undefined
12/9/2024436.20 undefined
12/6/2024438.00 undefined
12/5/2024442.00 undefined
12/4/2024434.80 undefined
12/3/2024427.00 undefined
12/2/2024428.20 undefined
11/29/2024423.00 undefined
11/28/2024417.60 undefined

Kruk Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into Kruk, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Kruk from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Kruk’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Kruk. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Kruk’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Kruk’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Kruk’s growth potential.

Kruk Revenue, EBIT and net profit per share

DateKruk RevenueKruk EBITKruk Net Income
2029e4.39 B undefined2.06 B undefined0 undefined
2028e4.26 B undefined2.04 B undefined0 undefined
2027e3.35 B undefined2.03 B undefined1.22 B undefined
2026e3.57 B undefined1.87 B undefined1.22 B undefined
2025e3.24 B undefined1.67 B undefined1.14 B undefined
2024e3 B undefined1.52 B undefined1.13 B undefined
20232.58 B undefined1.67 B undefined983.93 M undefined
20222.14 B undefined1.05 B undefined804.98 M undefined
20211.74 B undefined859.49 M undefined694.76 M undefined
20201.15 B undefined321.56 M undefined81.36 M undefined
20191.27 B undefined440.58 M undefined276.39 M undefined
20181.17 B undefined477.48 M undefined330.02 M undefined
20171.06 B undefined419.86 M undefined295.1 M undefined
2016788.04 M undefined348.7 M undefined248.66 M undefined
2015613.76 M undefined251.31 M undefined204.23 M undefined
2014489.64 M undefined208.02 M undefined151.74 M undefined
2013409 M undefined152.8 M undefined97.6 M undefined
2012344.8 M undefined136.4 M undefined81 M undefined
2011275.4 M undefined96 M undefined66.2 M undefined
2010165.2 M undefined42.6 M undefined36.1 M undefined
2009129.4 M undefined31.7 M undefined23.4 M undefined
2008105 M undefined24.8 M undefined16.5 M undefined

Kruk Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
20082009201020112012201320142015201620172018201920202021202220232024e2025e2026e2027e2028e2029e
0.110.130.170.280.340.410.490.610.791.061.171.271.151.742.142.5833.243.573.354.264.39
-22.8627.9166.6725.0918.9019.5625.3628.5534.5210.198.90-9.9152.0123.0820.1516.307.9810.32-6.1927.183.03
99.05100.00100.0097.8298.2697.5697.9698.5398.4898.5898.9799.06109.9572.3358.7748.9142.0638.9535.3037.6329.5928.72
0.10.130.170.270.340.40.480.60.781.051.161.260000000000
0.020.020.040.070.080.10.150.20.250.30.330.280.080.690.80.981.131.141.221.2200
-43.7556.5283.3322.7319.7555.6735.1021.5718.9511.86-16.36-70.65756.7915.8522.2614.850.627.31-0.16--
----------------------
----------------------
1515.815.416.41717.217.4117.7918.3619.2819.3119.3319.2619.4119.7720.34000000
----------------------
Details

Keystats

Revenue and Growth

The Kruk Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Kruk is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (B)TANGIBLE ASSETS (M)LONG-T. INVEST. (B)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
2008200920102011201220132014201520162017201820192020202120222023
                               
0.180.180.290.760.921.11.451.760.270.170.150.150.150.20.20.39
7.89.510.612.812910.98.3913.4516.6228.1423.9916.822.8713.0324.44
4.52.40.73.45.917.816.626.7228.1564.2423.0931.8528.3635.0841.1658.97
0000000.50.59000.234.6932.0720.316.3715.04
11.42.22.33.332.13.470.490.49000000
0.190.190.30.780.941.131.481.80.310.250.20.240.220.280.270.49
8.18.29.614.317.220.120.319.9627.4728.6726.3582.9791.8680.2571.4291.78
000000002.683.174.114.24.065.146.788.68
000000000044.06214.62152.67279.21357434.91
2.23.34.96.77.610.41111.8119.6926.8333.8850.2550.7343.4770.8367.21
11111111.02545462.0147.2123.9223.8417.038.08
5.52.73.31.81.62.43.52.845.6626.684.247.2445.0267.91111.55160.24
0.020.020.020.020.030.030.040.042.783.314.284.64.425.637.419.44
0.210.210.320.80.971.161.521.843.093.564.484.844.645.917.689.93
                               
15.815.815.316.916.91717.117.418.7418.8118.8918.9719.0119.0119.3219.32
9.89.85.345.145.147.453.264.38288.33293.58300.1307.19310.43333.26358.51358.51
0.050.070.110.180.260.360.520.710.931.21.471.661.652.152.743.46
00.20.40.3-3.8-8.4-3.9-7.67-0.59-50.74-57.64-30.1466.5893.59133.08-44.83
0000000000000000
0.080.10.130.240.320.420.580.781.241.461.731.962.042.63.253.79
15.418.744.754.823.62145.855.2679.9681.1276.145.6772.62122.59109.7383.7
10.81416.425.729.334.835.541.0952.7736.7735.925.3115.7117.6613.419.51
1.96.244.54.63.3919.8937.439.9579.6636.9929.1241.1151.5759.47
0000000000000000
50.849.244.1137.5187.2174.6119.8223.69269.33260.53298.39247.46636.28585.39441.64393.08
78.988.1109.2222.5244.7233.7210.1339.92439.45418.38490.05355.43753.73766.75616.32845.76
0.060.010.080.340.410.510.720.711.381.642.22.461.592.283.55.14
000000004.0614.449.186.5134.34167.08201.42202.31
080000.62.70.5934.430.0948.5560.62125.6191.72105.89171.99
0.060.020.080.340.410.510.720.711.421.682.262.531.852.543.815.51
0.140.110.190.560.650.750.931.051.852.12.752.882.63.314.436.36
0.210.210.320.80.971.161.521.843.093.564.484.844.645.917.6810.15
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of Kruk provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Kruk's financial health and stability.

Assets

Kruk's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Kruk must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Kruk after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Kruk's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES ()TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
2008200920102011201220132014201520162017201820192020202120222023
0.020.020.040.070.080.10.150.20.250.30.330.280.080.690.811.01
23357911101318194446485158
000000000000026230
-4217-94-440-192-196-281-233-997-653-891-286341-1,214-1,695-2,184
8972849515659112116138174274182271356
76627495048441541351151149895219371
0-1015103620264022393662
-1453-46-340-54-37-6141-623-223-402208743-288-567-785
-4-3-5-8-7-8-8-8-15-24-28-48-16-16-34-42
-2-3-6-6-5-7-7-7-74-19-26-136-10-13-32-23
10011100-5852-8862119
0000000000000000
0.03-0.050.060.350.120.090.150.10.860.390.70.35-0.461.181.511.65
10004002611155-66-89-204-179-517-442-65
31-5149363663710436823148402-68-737356603994
-7.00-6.00-6.00-27.00-49.00-50.00-48.00-44.00-154.00-135.00-115.00-115.00-99.00-95.00-220.00-296.00
0000000-26-35-37-94-940-206-248-289
14-1-3156-73570126-94-252-4532186
-18.9350.22-52.53-349.01-62.02-45.83-70.232.76-638.49-248.01-430.41160.6726.54-304.87-602.03-827.87
0000000000000000

Kruk stock margins

The Kruk margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Kruk. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Kruk.
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  • Max

Gross margin
EBIT margin
Profit margin
Details

Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Kruk's sales revenue. A higher gross margin percentage indicates that the Kruk retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Kruk's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Kruk's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Kruk's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Kruk. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Kruk's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Kruk Margin History

Kruk Gross marginKruk Profit marginKruk EBIT marginKruk Profit margin
2029e99.06 %46.9 %0 %
2028e99.06 %47.91 %0 %
2027e99.06 %60.6 %36.36 %
2026e99.06 %52.35 %34.17 %
2025e99.06 %51.68 %35.12 %
2024e99.06 %50.73 %37.69 %
202399.06 %64.91 %38.19 %
202299.06 %48.91 %37.54 %
202199.06 %49.34 %39.88 %
202099.06 %28.04 %7.09 %
201999.06 %34.62 %21.72 %
201898.99 %40.88 %28.25 %
201798.64 %39.59 %27.83 %
201698.57 %44.25 %31.55 %
201598.45 %40.95 %33.28 %
201497.92 %42.48 %30.99 %
201397.73 %37.36 %23.86 %
201298.06 %39.56 %23.49 %
201197.68 %34.86 %24.04 %
2010100 %25.79 %21.85 %
2009100 %24.5 %18.08 %
200899.71 %23.62 %15.71 %

Kruk Stock Sales Revenue, EBIT, Earnings per Share

The Kruk earnings per share therefore indicates how much revenue Kruk has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 years

  • 5 years

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  • 25 Years

  • Max

Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Kruk earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Kruk's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Kruk’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Kruk's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Kruk Revenue, EBIT and net profit per share

DateKruk Sales per ShareKruk EBIT per shareKruk Earnings per Share
2029e227.12 undefined0 undefined0 undefined
2028e220.39 undefined0 undefined0 undefined
2027e173.29 undefined0 undefined63.01 undefined
2026e184.78 undefined0 undefined63.13 undefined
2025e167.44 undefined0 undefined58.81 undefined
2024e155.07 undefined0 undefined58.45 undefined
2023126.64 undefined82.2 undefined48.37 undefined
2022108.44 undefined53.04 undefined40.71 undefined
202189.77 undefined44.29 undefined35.8 undefined
202059.54 undefined16.7 undefined4.22 undefined
201965.85 undefined22.8 undefined14.3 undefined
201860.5 undefined24.73 undefined17.09 undefined
201755.02 undefined21.78 undefined15.31 undefined
201642.93 undefined19 undefined13.55 undefined
201534.49 undefined14.12 undefined11.48 undefined
201428.13 undefined11.95 undefined8.72 undefined
201323.78 undefined8.88 undefined5.67 undefined
201220.28 undefined8.02 undefined4.76 undefined
201116.79 undefined5.85 undefined4.04 undefined
201010.73 undefined2.77 undefined2.34 undefined
20098.19 undefined2.01 undefined1.48 undefined
20087 undefined1.65 undefined1.1 undefined

Kruk business model

Kruk SA is a company specialized in the purchase and management of distressed loans and debts. It was founded in Poland in 1998 and now has branches in different European countries. Kruk SA has been listed on the Warsaw Stock Exchange since 2011 and has experienced impressive growth in recent years. The company's business model is based on the acquisition of distressed loans and debts from banks and other creditors. By acquiring these debts, the company becomes a creditor and can handle the collection and negotiation of repayment plans itself. The purchased claims can come from both individuals and companies. Kruk SA operates in various sectors to cover the entire spectrum of distressed loans. The company has its own platform for the purchase of debts from individuals. It is also able to purchase large portfolios of distressed loans from banks and other creditors. Another area is debts arising from trade credits for companies. Kruk SA is also active in the collection industry, primarily targeting business customers. Kruk SA offers a range of products to its customers, including debt relief programs where the customer can have a portion of their debts forgiven if they repay a certain amount. Kruk SA also offers repayment plans that can be adjusted depending on the debtor's financial situation. Customers who wish to repay their debts in a lump sum can do so as well. Kruk SA has also developed its own app that allows customers to manage their debts and make payments. The company has carried out several significant acquisitions in recent years. One of them was the acquisition of Polcard, a Polish payment processor. Another was the acquisition of Credit Life International, a Romania-based provider of debt collection services. These acquisitions have helped Kruk SA expand its range of services and enter new markets. Kruk SA's business development in recent years has been impressive. The company's revenue increased from 534 million PLN in 2016 to 2.5 billion PLN in 2020. The number of employees also increased from 1,100 to 5,500 during the same period. Kruk SA has also received several awards for its business performance, including the award for the best debt collection company in Poland and the award for the best distressed debt purchasing company in Europe. Overall, Kruk SA is a leading provider of debt collection services and debt acquisitions in Europe. The company offers a wide range of services and products for customers struggling with debt problems. Through its expansion into new markets and acquisitions, Kruk SA has strengthened its position as a key player in the industry and is expected to continue growing. Kruk is one of the most popular companies on Eulerpool.com.

Kruk SWOT Analysis

Strengths

Kruk SA possesses several strengths that contribute to its success and competitive advantage:

  • Strong market presence and brand recognition
  • Wide range of debt recovery services
  • Long-term relationships with clients
  • Proficient in utilizing advanced technologies
  • Skilled and experienced workforce

Weaknesses

Despite its strengths, Kruk SA also faces certain weaknesses that may limit its growth and performance:

  • Reliance on a small number of major clients
  • Limited geographic diversification
  • Volatile economic conditions impacting debt recovery
  • High competition in the debt recovery industry
  • Potential regulatory changes affecting operations

Opportunities

Kruk SA can leverage the following opportunities to further expand and improve its position:

  • Increasing demand for debt recovery services globally
  • Potential for market expansion in new regions
  • Offering innovative debt recovery solutions
  • Diversification into related financial services
  • Strategic partnerships and acquisitions

Threats

Kruk SA must be cautious of the following threats that may impact its business negatively:

  • Economic downturns and recessions
  • Legal and regulatory challenges
  • Increasing competition from new market players
  • Technological advancements impacting traditional debt recovery
  • Currency exchange rate fluctuations
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Kruk Eulerpool Fair Value

Details

Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Kruk historical P/E ratio, EBIT multiple, and P/S ratio

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Kruk shares outstanding

The number of shares was Kruk in 2023 — This indicates how many shares 20.343 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 years

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  • Max

Number of stocks
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Kruk earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Kruk's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Kruk’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Kruk's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Kruk dividend history and estimates

In 2023, Kruk paid a dividend amounting to 15 PLN. Dividend means that Kruk distributes a portion of its profits to its owners.
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  • Max

Dividend
Dividend (Estimate)
Details

Dividend

Dividend Overview

The dividend per year chart for Kruk provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Kruk’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Kruk's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Kruk Dividend History

DateKruk Dividend
2029e17.54 undefined
2028e17.54 undefined
2027e17.54 undefined
2026e17.54 undefined
2025e17.53 undefined
2024e17.54 undefined
202315 undefined
202213 undefined
202111 undefined
20195 undefined
20185 undefined
20172 undefined
20162 undefined
20151.5 undefined

Kruk dividend payout ratio

In 2023, Kruk had a payout ratio of 31.73%. The payout ratio indicates the percentage of the company's profits that Kruk distributes as dividends.
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Payout ratio
Details

Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for Kruk represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Kruk could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Kruk's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Kruk Payout Ratio History

DateKruk Payout ratio
2029e31.63 %
2028e31.65 %
2027e31.6 %
2026e31.63 %
2025e31.71 %
2024e31.46 %
202331.73 %
202231.93 %
202130.73 %
202032.54 %
201934.96 %
201829.25 %
201713.06 %
201614.76 %
201513.07 %
201432.54 %
201332.54 %
201232.54 %
201132.54 %
201032.54 %
200932.54 %
200832.54 %
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Eulerpool ESG Scorecard© for the Kruk stock

Eulerpool World ESG Rating (EESG©)

69/ 100

🌱 Environment

32

👫 Social

99

🏛️ Governance

77

Environment

Scope 1 - Direct Emissions
2,110
Scope 2 - Indirect emissions from purchased energy
1,349
Scope 3 - Indirect emissions within the value chain
27,876
Total CO₂ emissions
3,459
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees64.39
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Kruk shareholders

%
Name
Stocks
Change
Date
14.30124 % Goldman Sachs Towarzystwo Funduszy Inwestycyjnych SA2,763,00007/25/2024
10.00863 % Allianz Global Investors GmbH1,933,66707/25/2024
8.93050 % Porozumienie Akcjonariuszy Kruk SA1,725,3731,725,3737/25/2024
8.40844 % Generali Investments Towarzystwo Funduszy Inwestycyjnych S.A1,624,51007/25/2024
7.24638 % PZU Asset Management SA1,400,00007/25/2024
5.85294 % Vienna Powszechne Towarzystwo Emerytalne SA Vienna Insurance Group1,130,78807/25/2024
2.61600 % The Vanguard Group, Inc.505,4116369/30/2024
2.58394 % Norges Bank Investment Management (NBIM)499,218-153,2376/30/2024
2.21178 % Schroder Investment Management Ltd. (SIM)427,3169,0897/31/2024
1.33766 % BlackRock Institutional Trust Company, N.A.258,436-3,0959/30/2024
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3
4
5
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10

Kruk Executives and Management Board

Mr. Piotr Krupa

Kruk President of the Management Board, Chief Executive Officer
Compensation 3.06 M

Mr. Michal Zasepa

Kruk Chief Financial Officer, Member of the Management Board (since 2005)
Compensation 1.01 M

Ms. Urszula Okarma

Kruk Chief Investment Officer, Member of the Management Board
Compensation 982,302

Dr. Adam Lodygowski

Kruk Chief Data & Technology Officer, Member of the Management Board
Compensation 921,664

Mr. Piotr Kowalewski

Kruk Chief Operational Officer, Member of the Management Board
Compensation 910,919
1
2
3

Most common questions regarding Kruk

What values and corporate philosophy does Kruk represent?

Kruk SA, a renowned company in the stock market, represents a set of core values and a strong corporate philosophy. With a focus on professionalism, Kruk SA strives for excellence in delivering financial outcomes and customer satisfaction. The company upholds transparency, integrity, and ethical practices in all its operations, ensuring trust and reliability for investors. With a long-term strategic approach, Kruk SA aims to maximize shareholder value while promoting sustainable growth. By emphasizing innovation and adaptability, the company remains at the forefront of industry advancements, consistently meeting the evolving needs of its stakeholders. Kruk SA's commitment to these values enables it to maintain its position as a trustworthy and reputable entity in the stock market.

In which countries and regions is Kruk primarily present?

Kruk SA is primarily present in several countries and regions. The company has a strong presence in Poland, where it is headquartered. Additionally, Kruk SA operates in other Central and Eastern European countries, including Romania, Czech Republic, and Slovakia. With its extensive network, Kruk SA has also expanded its operations to certain Western European markets such as Germany, Italy, Spain, and Portugal. This strategic presence in multiple countries and regions allows Kruk SA to effectively engage and serve its clientele across different markets, contributing to its success and growth in the debt management and financial services industry.

What significant milestones has the company Kruk achieved?

Kruk SA, a reputable company in the stock market, has attained numerous significant milestones throughout its journey. Over the years, Kruk SA has successfully expanded its business operations, diversified its portfolio, and delivered impressive financial results. The company has demonstrated exceptional growth, establishing its position as a key player in the industry. Kruk SA has consistently focused on enhancing shareholder value while maintaining a strong reputation for its transparent and ethical business practices. With its relentless commitment to excellence and strategic decision-making, Kruk SA has secured its position as a leading stock company, contributing to its continued success and investor confidence.

What is the history and background of the company Kruk?

Kruk SA is a reputable company with a rich history and strong background. Founded in 1998, Kruk SA operates in the debt purchase and recovery industry, offering comprehensive financial services. With headquarters in Poland, Kruk SA has become a leading player in the European market, expanding its operations across several countries. The company's success is built on a solid foundation of expertise, reliability, and ethical business practices. Kruk SA has consistently demonstrated impressive growth, earning recognition for its excellence in debt management and creditor relations. With a proven track record, Kruk SA continues to thrive and provide valuable solutions for both investors and debtors.

Who are the main competitors of Kruk in the market?

The main competitors of Kruk SA in the market include companies such as B2Holding Group, PRA Group, and Intrum AB. These companies also operate in the debt collection and financial services industry, providing similar services and solutions to clients. Kruk SA competes with them based on factors like geographical presence, client relationships, innovation, and efficiency in debt recovery processes. Despite facing competition from these players, Kruk SA has established itself as a leading debt management company with a strong track record of client satisfaction and a focus on delivering comprehensive financial solutions.

In which industries is Kruk primarily active?

Kruk SA is primarily active in the financial and debt collection industries.

What is the business model of Kruk?

Kruk SA operates as a leading debt management company in Poland and internationally. Its business model revolves around acquiring and managing non-performing loans (NPLs) from banks and financial institutions. Kruk SA specializes in debt recovery and offers debt purchase, amicable settlement, and legal enforcement services. The company utilizes advanced analytics and proprietary systems to effectively identify, evaluate, and recover NPLs. Kruk SA focuses on establishing long-term relationships with debtors, aiming to provide fair solutions tailored to individual circumstances. With a strong track record and extensive industry experience, Kruk SA strives to maximize recoveries while maintaining ethical collection practices.

What is the P/E ratio of Kruk 2024?

The Kruk P/E ratio is 7.6.

What is the P/S ratio of Kruk 2024?

The Kruk P/S ratio is 2.86.

What is the Quality Investing of Kruk?

The Quality Investing for Kruk is 10/10.

What is the revenue of Kruk 2024?

The expected Kruk revenue is 3 B PLN.

How high is the profit of Kruk 2024?

The expected Kruk profit is 1.13 B PLN.

What is the business model of Kruk

Kruk SA is a leading company in the field of debt management and collection in Europe. The company's business model is based on the purchase of distressed loans and the management of these debts. This allows the company to improve the balance sheets of banks, insurance companies, and other lenders, and to recover capital. The company operates in various business areas, including the purchase and management of distressed loans. Kruk SA typically buys these debts at a lower price than their nominal value and is then responsible for their collection and management. The company uses state-of-the-art technologies and data analytics methods to optimize its operational processes and achieve high efficiency and profitability. Kruk SA also offers its own products in the field of structured finance. These are financial instruments based on the purchase of debt packages, which are then bundled and sold to investors. This allows investors to invest in the distressed credit market and benefit from Kruk SA's professional management and collection of these debts. Another business area of Kruk SA is consulting for lenders on debt management and collection procedures. The company can draw on its years of experience in this field to offer its clients customized solutions. This includes a comprehensive analysis of the debts and debtor behavior to enable the best possible recovery of the debts. Kruk SA operates in various countries in Europe, including Poland, Romania, Czech Republic, Slovakia, Hungary, Spain, Portugal, and Italy. By having a broad geographical presence, the company can benefit from different economic cycles and local market conditions. However, this also requires a high ability to adapt to different cultural and legal conditions, which the company ensures through continuous training and development of its employees. In summary, Kruk SA follows a diversified business model based on the purchase of distressed loans. Through professional management and collection of debts, the company enables its clients to improve their balance sheet situation and recover capital. With its own products in structured finance and consulting services in debt management, Kruk SA also offers a comprehensive range of services.

What is the Kruk dividend?

Kruk pays a dividend of 13 PLN distributed over payouts per year.

How often does Kruk pay dividends?

The dividend cannot currently be calculated for Kruk or the company does not pay out a dividend.

What is the Kruk ISIN?

The ISIN of Kruk is PLKRK0000010.

What is the Kruk WKN?

The WKN of Kruk is A1JFY4.

What is the Kruk ticker?

The ticker of Kruk is KRU.WA.

How much dividend does Kruk pay?

Over the past 12 months, Kruk paid a dividend of 15 PLN . This corresponds to a dividend yield of about 3.56 %. For the coming 12 months, Kruk is expected to pay a dividend of 17.53 PLN.

What is the dividend yield of Kruk?

The current dividend yield of Kruk is 3.56 %.

When does Kruk pay dividends?

Kruk pays a quarterly dividend. This is distributed in the months of July, May, October, June.

How secure is the dividend of Kruk?

Kruk paid dividends every year for the past 0 years.

What is the dividend of Kruk?

For the upcoming 12 months, dividends amounting to 17.53 PLN are expected. This corresponds to a dividend yield of 4.22 %.

In which sector is Kruk located?

Kruk is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Kruk kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Kruk from 5/20/2024 amounting to 18 PLN, you needed to have the stock in your portfolio before the ex-date on 5/14/2024.

When did Kruk pay the last dividend?

The last dividend was paid out on 5/20/2024.

What was the dividend of Kruk in the year 2023?

In the year 2023, Kruk distributed 13 PLN as dividends.

In which currency does Kruk pay out the dividend?

The dividends of Kruk are distributed in PLN.

All fundamentals about Kruk

Our stock analysis for Kruk Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Kruk Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.