Kruk (KRU.WA) Stock Price

Kruk Price

GPW·CLOSED
430.20PLN-9.90 (-2.28 %)
Market closed

Over the last 16 years Kruk grew revenue by 23.1% annually, reaching 2.91 B PLN. Earnings per share have grown at 27.3% per year over the last 16 years. For Kruk, the net margin of 36.9% is up versus 7.1% a few years ago. At today's price the dividend yield works out to roughly 4.18%. The payout ratio is around 128% of earnings. The dividend has grown at 31.8% per year over the past 9 years. The consensus 12-month price target for Kruk is 579.36 PLN, about 34.7% above where the stock trades today. Of 8 analysts, 6 rate the stock a buy — an overall Buy consensus. The stock trades about 11% above its 52-week low.

Kruk stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Kruk over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Kruk stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Kruk's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Kruk Stock Price History
DateKruk Price
8/5/2026430.20 PLN
8/4/2026440.10 PLN
7/31/2026425.60 PLN
7/30/2026428.60 PLN
7/29/2026430.40 PLN
7/28/2026432.10 PLN
7/27/2026424.00 PLN
7/24/2026411.40 PLN
7/23/2026411.70 PLN
7/22/2026419.00 PLN
7/21/2026419.00 PLN
7/20/2026417.60 PLN
7/17/2026414.40 PLN
7/16/2026419.60 PLN
7/15/2026416.50 PLN
7/14/2026413.00 PLN
7/13/2026410.40 PLN
7/10/2026414.00 PLN
7/9/2026409.10 PLN
7/8/2026416.00 PLN
7/7/2026417.60 PLN
7/6/2026421.10 PLN
7/3/2026421.20 PLN
7/2/2026422.40 PLN
7/1/2026421.60 PLN
6/30/2026422.20 PLN
6/29/2026404.30 PLN
6/26/2026403.40 PLN
6/25/2026403.30 PLN
6/24/2026399.50 PLN
6/23/2026399.20 PLN
6/22/2026400.00 PLN
6/19/2026399.60 PLN
6/18/2026398.90 PLN
6/17/2026404.10 PLN
6/16/2026407.90 PLN
6/15/2026413.60 PLN
6/12/2026406.70 PLN
6/11/2026397.50 PLN
6/10/2026394.00 PLN
6/9/2026395.50 PLN
6/8/2026396.00 PLN
6/5/2026400.50 PLN
6/3/2026387.90 PLN
6/2/2026398.50 PLN
6/1/2026404.40 PLN
5/29/2026414.20 PLN
5/28/2026430.40 PLN
5/27/2026434.00 PLN
5/26/2026433.40 PLN
5/25/2026434.90 PLN
5/22/2026426.50 PLN
5/21/2026426.50 PLN
5/20/2026421.40 PLN
5/19/2026421.60 PLN
5/18/2026425.00 PLN
5/15/2026426.10 PLN
5/14/2026428.30 PLN
5/13/2026424.70 PLN
5/12/2026421.60 PLN
5/11/2026430.00 PLN
5/8/2026432.00 PLN
5/7/2026435.00 PLN
5/6/2026441.00 PLN
5/5/2026433.00 PLN
5/4/2026443.00 PLN
4/30/2026436.30 PLN
4/29/2026463.40 PLN
4/28/2026468.30 PLN
4/27/2026466.70 PLN
4/24/2026473.20 PLN
4/23/2026474.00 PLN
4/22/2026488.00 PLN
4/21/2026490.00 PLN
4/20/2026489.50 PLN
4/17/2026496.40 PLN
4/16/2026485.60 PLN
4/15/2026487.20 PLN
4/14/2026484.00 PLN
4/13/2026479.40 PLN
4/10/2026482.00 PLN
4/9/2026473.70 PLN
4/8/2026475.60 PLN
4/7/2026456.60 PLN
4/2/2026462.50 PLN
4/1/2026454.10 PLN
3/31/2026448.90 PLN
3/30/2026435.80 PLN
3/27/2026433.30 PLN
3/26/2026435.50 PLN
3/25/2026449.00 PLN
3/24/2026426.50 PLN
3/23/2026433.90 PLN
3/20/2026431.90 PLN
3/19/2026446.00 PLN
3/18/2026456.40 PLN
3/17/2026449.20 PLN
3/16/2026447.60 PLN
3/13/2026449.50 PLN
3/12/2026448.70 PLN
3/11/2026466.00 PLN
3/10/2026465.70 PLN
3/9/2026460.40 PLN
3/6/2026462.00 PLN
3/5/2026463.20 PLN
3/4/2026467.00 PLN
3/3/2026456.10 PLN
3/2/2026470.50 PLN
2/27/2026463.10 PLN
2/26/2026467.00 PLN
2/25/2026466.20 PLN
2/24/2026459.00 PLN
2/23/2026460.10 PLN
2/20/2026451.00 PLN
2/19/2026497.00 PLN
2/18/2026502.00 PLN
2/17/2026485.30 PLN
2/16/2026491.50 PLN
2/13/2026490.60 PLN
2/12/2026495.00 PLN
2/11/2026489.60 PLN
2/10/2026496.20 PLN
2/9/2026498.80 PLN
2/6/2026487.80 PLN
2/5/2026478.40 PLN
2/4/2026483.90 PLN
2/3/2026481.90 PLN
2/2/2026488.60 PLN
1/30/2026488.90 PLN
1/29/2026484.00 PLN
1/28/2026488.70 PLN
1/27/2026485.00 PLN
1/26/2026491.40 PLN
1/23/2026481.10 PLN
1/22/2026477.40 PLN
1/21/2026467.70 PLN
1/20/2026464.80 PLN
1/19/2026470.50 PLN
1/16/2026477.70 PLN
1/15/2026477.90 PLN
1/14/2026475.60 PLN
1/13/2026485.20 PLN
1/12/2026487.30 PLN
1/9/2026503.20 PLN
1/8/2026497.00 PLN
1/7/2026504.80 PLN
1/5/2026498.50 PLN
1/2/2026498.40 PLN
12/30/2025493.50 PLN
12/29/2025492.00 PLN
12/23/2025492.30 PLN
12/22/2025492.70 PLN
12/19/2025486.20 PLN
12/18/2025479.70 PLN
12/17/2025479.90 PLN
12/16/2025469.00 PLN
12/15/2025478.00 PLN
12/12/2025479.70 PLN
12/11/2025476.70 PLN
12/10/2025473.70 PLN
12/9/2025482.00 PLN
12/8/2025483.80 PLN
12/5/2025468.90 PLN
12/4/2025464.70 PLN
12/3/2025464.80 PLN
12/2/2025473.00 PLN
12/1/2025473.50 PLN
11/28/2025476.90 PLN
11/27/2025470.60 PLN
11/26/2025469.00 PLN
11/25/2025463.40 PLN
11/24/2025458.90 PLN
11/21/2025457.90 PLN
11/20/2025457.10 PLN
11/19/2025457.90 PLN
11/18/2025448.50 PLN
11/17/2025454.40 PLN
11/14/2025461.20 PLN
11/13/2025464.40 PLN
11/12/2025465.40 PLN
11/10/2025468.30 PLN
11/7/2025462.00 PLN
11/6/2025459.00 PLN
11/5/2025460.00 PLN
11/4/2025459.10 PLN
11/3/2025465.50 PLN
10/31/2025454.00 PLN
10/30/2025478.30 PLN
10/29/2025467.10 PLN
10/28/2025469.50 PLN
10/27/2025466.40 PLN
10/24/2025463.80 PLN
10/23/2025453.30 PLN
10/22/2025451.20 PLN
10/21/2025453.30 PLN
10/20/2025453.20 PLN
10/17/2025447.00 PLN
10/16/2025452.20 PLN
10/15/2025462.10 PLN
10/14/2025441.10 PLN
10/13/2025437.30 PLN
10/10/2025440.40 PLN
10/9/2025442.40 PLN
10/8/2025441.00 PLN
10/7/2025441.00 PLN
10/6/2025443.40 PLN
10/3/2025448.00 PLN
10/2/2025452.00 PLN
10/1/2025455.00 PLN
9/30/2025458.00 PLN
9/29/2025464.60 PLN
9/26/2025472.80 PLN
9/25/2025478.10 PLN
9/24/2025479.40 PLN
9/23/2025479.60 PLN
9/22/2025476.40 PLN
9/19/2025475.90 PLN
9/18/2025475.80 PLN
9/17/2025478.40 PLN
9/16/2025468.00 PLN
9/15/2025475.20 PLN
9/12/2025470.80 PLN
9/11/2025468.90 PLN
9/10/2025464.50 PLN
9/9/2025467.80 PLN
9/8/2025473.00 PLN
9/5/2025455.00 PLN
9/4/2025458.00 PLN
9/3/2025455.30 PLN
9/2/2025458.00 PLN
9/1/2025453.30 PLN
8/29/2025454.70 PLN
8/28/2025453.50 PLN
8/27/2025438.40 PLN
8/26/2025425.80 PLN
8/25/2025426.10 PLN
8/22/2025427.50 PLN
8/21/2025424.30 PLN
8/20/2025418.90 PLN
8/19/2025424.90 PLN
8/18/2025421.40 PLN
8/14/2025420.00 PLN
8/13/2025425.90 PLN
8/12/2025429.50 PLN
8/11/2025426.00 PLN
8/8/2025428.50 PLN
Access this data via the Eulerpool API

Kruk Revenue, EBIT, Net Income

  • 3 Years

  • 5 Years

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  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2022
2.14 B PLN
1.05 B PLN
804.98 M PLN
Jan 1, 2023
2.58 B PLN
1.67 B PLN
983.93 M PLN
Jan 1, 2024
2.91 B PLN
1.86 B PLN
1.07 B PLN
Jan 1, 2025 (e)
3.17 B PLN
1.81 B PLN
1.18 B PLN
Jan 1, 2026 (e)
3.40 B PLN
1.94 B PLN
1.19 B PLN
Jan 1, 2027 (e)
3.76 B PLN
2.15 B PLN
1.30 B PLN
Jan 1, 2028 (e)
4.13 B PLN
2.36 B PLN
1.42 B PLN
Jan 1, 2029 (e)
3.17 B PLN
1.81 B PLN
1.95 B PLN

Kruk Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 7, 2026, 3:59 AM
 
REVENUEB PLN
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB PLN
EBITB PLN
EBIT MARGIN%
NET INCOMEB PLN
NET INCOME GROWTH%
DIV.PLN
DIV. GROWTH%
SHARESM
20152016201720182019202020212022202320242025e2026e2027e2028e2029e2030e
0.610.791.061.171.271.151.742.142.582.913.173.403.764.133.175.06
25.3628.5534.5210.198.90-9.9152.0123.0820.1512.858.887.3610.719.86-23.2359.50
190.54148.22110.19100.0091.82101.9267.0554.4845.3440.18100.00100.00100.00100.00100.00100.00
1.171.171.171.171.171.171.171.171.171.173.173.403.764.133.175.06
0.250.350.420.480.440.320.861.051.671.861.811.942.152.361.81
40.9544.1639.5340.8434.5928.0149.3148.8864.9164.1257.1957.1857.1857.1757.17
0.200.250.300.330.280.080.690.800.981.071.181.191.301.421.95
35.1021.5718.9511.86-16.36-70.65756.7915.8522.269.169.881.028.989.3237.28
1.502.002.005.0011.0013.0015.0018.0018.0021.6025.92
33.33150.0018.1815.3820.0020.0020.00
17.7918.3619.2819.3119.3319.2619.4119.7720.3420.4820.4820.4820.4820.4820.4820.48
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Kruk generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Kruk retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Kruk's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Kruk has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Kruk's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

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.
  • 3 Years

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  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2020
100.00 %
28.04 %
7.09 %
Jan 1, 2021
100.00 %
49.34 %
39.88 %
Jan 1, 2022
100.00 %
48.91 %
37.54 %
Jan 1, 2023
100.00 %
64.91 %
38.19 %
Jan 1, 2024
100.00 %
64.11 %
36.94 %
Jan 1, 2025 (e)
100.00 %
57.19 %
37.25 %
Jan 1, 2026 (e)
100.00 %
57.19 %
35.07 %
Jan 1, 2027 (e)
100.00 %
57.19 %
34.50 %

Kruk Stock 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

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  • 25 Years

  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2020
59.54 PLN
16.70 PLN
4.22 PLN
Jan 1, 2021
89.77 PLN
44.29 PLN
35.80 PLN
Jan 1, 2022
108.44 PLN
53.04 PLN
40.71 PLN
Jan 1, 2023
126.64 PLN
82.20 PLN
48.37 PLN
Jan 1, 2024
141.94 PLN
91.00 PLN
52.43 PLN
Jan 1, 2025 (e)
154.51 PLN
88.36 PLN
57.56 PLN
Jan 1, 2026 (e)
165.92 PLN
94.89 PLN
58.19 PLN
Jan 1, 2027 (e)
183.70 PLN
105.06 PLN
63.38 PLN

Kruk business model & stock analysis

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 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

Kruk Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

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

Kruk annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Kruk shares outstanding

The number of shares of Kruk was 20.48 M in 2025. This indicates how many shares Kruk 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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  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
19.26 M Stocks
Jan 1, 2021
19.41 M Stocks
Jan 1, 2022
19.77 M Stocks
Jan 1, 2023
20.34 M Stocks
Jan 1, 2024
20.48 M Stocks
Jan 1, 2025 (e)
20.48 M Stocks
Jan 1, 2026 (e)
20.48 M Stocks
Jan 1, 2027 (e)
20.48 M Stocks

Kruk Dividend History

10 years of dividend payments

YearAnnual DividendYoY ChangePayments
202518.00PLN 0.0%
Jul 9, 202518.00PLN 0.0%1/1
202418.00PLN 20.0%
202315.00PLN 15.4%
202213.00PLN 18.2%
202111.00PLN 120.0%
20195.00PLN 0.0%
20185.00PLN 150.0%
20172.00PLN 0.0%
20162.00PLN 33.3%
20151.50PLN

Kruk dividend history and estimates

In 2025, Kruk paid a dividend amounting to 18.00 PLN. Dividend means that Kruk distributes a portion of its profits to its owners.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Dividend
Dividend (Estimate)
Special dividend
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2019 (e)
5.00 PLN
0.00 PLN
0.00 PLN
Jan 1, 2021
11.00 PLN
0.00 PLN
0.00 PLN
Jan 1, 2022
13.00 PLN
0.00 PLN
0.00 PLN
Jan 1, 2023
15.00 PLN
0.00 PLN
0.00 PLN
Jan 1, 2024
18.00 PLN
0.00 PLN
0.00 PLN
Jan 1, 2025
18.00 PLN
0.00 PLN
0.00 PLN
Jan 1, 2026 (e)
0.00 PLN
21.60 PLN
0.00 PLN
Jan 1, 2027 (e)
0.00 PLN
25.92 PLN
5.00 PLN

Kruk dividend payout ratio

In 2025, Kruk had a payout ratio of 31.27%. The payout ratio indicates the percentage of the company's profits that Kruk distributes as dividends.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
63.69 %
Jan 1, 2021
30.73 %
Jan 1, 2022
31.93 %
Jan 1, 2023
31.01 %
Jan 1, 2024
128.12 %
Jan 1, 2025 (e)
31.27 %
Jan 1, 2026 (e)
37.12 %
Jan 1, 2027 (e)
40.89 %

Current Kruk forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
75.00 % (6)
Hold
25.00 % (2)
Sell
0.00 % (0)
12M Price Target
579.36
Last Price
431.60
Currency
PLN
12M Return Potential
34.24 %
LTM Return
0 %

Kruk Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
4/27/2018-PLN-283.32 MPLN-2018 Q1

EESG©

Eulerpool ESG Scorecard© for the Kruk stock

70/100
34
Environment
99
Social
76
Governance
E

Environment

20
Scope 1 - Direct Emissions2,110
Scope 2 - Indirect emissions from purchased energy1,349
Scope 3 - Indirect emissions within the value chain27,876
Total CO₂ emissions3,459
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
S

Social

20
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
G

Governance (Corporate Governance)

4
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 shareholder structure

% Name
12.14607%
Goldman Sachs Towarzystwo Funduszy Inwestycyjnych SA
Goldman Sachs Towarzystwo Funduszy Inwestycyjnych SA
9.92697%
Allianz Global Investors GmbH
Allianz Global Investors GmbH
8.38198%
Porozumienie Akcjonariuszy Kruk SA
Porozumienie Akcjonariuszy Kruk SA
8.05538%
Generali Investments Towarzystwo Funduszy Inwestycyjnych S.A
Generali Investments Towarzystwo Funduszy Inwestycyjnych S.A
5.09921%
Vienna Powszechne Towarzystwo Emerytalne SA Vienna Insurance Group
Vienna Powszechne Towarzystwo Emerytalne SA Vienna Insurance Group
4.83238%
PZU Asset Management SA
PZU Asset Management SA

Kruk Beneficial Ownership Filings (SEC 13D/G)

Free Float
90.3%
Float Shares
-
Shares Outstanding
-

Kruk Executives and Management Board

13 members · avg. age 62 · 38 % women

PK

Mr. Piotr Krupa

President of the Management Board, Chief Executive Officer

3.49 M PLN

Management

MZ

Mr. Michal Zasepa

Chief Financial Officer, Member of the Management Board · since 2005

1.32 M PLN
PK

Mr. Piotr Kowalewski

Chief Operational Officer, Member of the Management Board

1.30 M PLN
UO

Ms. Urszula Okarma

Chief Investment Officer, Member of the Management Board

1.29 M PLN
AL

Dr. Adam Lodygowski

Chief Data and Technology Officer, Member of the Management Board

1.26 M PLN
TK

Mr. Tomasz Kaluziak

Head - Investor Relations and Business Development Team · since 2020

Board of Directors

PS

Mr. Piotr Stepniak (62)

Member of the Supervisory Board · since 2009

294,323.00 PLN
KB

Ms. Katarzyna Beuch

Independent Member of the Supervisory Board

276,924.00 PLN
ER

Ms. Ewa Radkowska-Swieton

Independent Chairman of the Supervisory Board · since 2019

276,153.00 PLN
KK

Mr. Krzysztof Kawalec

Vice Chairman of the Supervisory Board · since 2009

212,132.00 PLN
PS

Mr. Piotr Szczepiorkowski

Independent Member of the Supervisory Board

195,392.00 PLN
IP

Ms. Izabela Felczak- Poturnicka

Independent Member of the Supervisory Board

143,745.00 PLN

Frequently asked questions about 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.

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

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.

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.

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.

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.

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.

Analysts currently set an average price target of 569.84 PLN for the Kruk stock (median: 579.36 PLN), implying +32.0 % versus the latest price. The consensus is based on 8 analyst ratings.

8 analysts currently rate the Kruk stock: 6 recommend buying, 2 holding and 0 selling. For 2026, analysts expect Kruk to generate revenue of 3.40 B PLN and earnings per share of 58.19 PLN.

Converted at the current exchange rate, the Kruk share trades at 100.06 EUR (430.20 PLN).

The Kruk share (KRU.WA) is listed on 6 stock exchanges, including: Frankfurt (83I.F), München (83I.MU), London (0Q3Y.L).

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.

The expected revenue of Kruk is 3.40 B PLN. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Kruk is 1.19 B PLN. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Kruk is currently 7.39. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Kruk stock.

The price-to-sales ratio (P/S) of Kruk is currently 2.59. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Kruk stock.

The Eulerpool Quality Score for Kruk is 8/10.

The ISIN of Kruk is PLKRK0000010. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Kruk is A1JFY4. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Kruk is KRU.WA. The ticker symbol is used to trade Kruk shares on the stock exchange.

Over the past 12 months, Kruk paid a dividend of 18.00 PLN . This corresponds to a dividend yield of about 4.18 %. For the coming 12 months, Kruk is expected to pay a dividend of 25.92 PLN.

The current dividend yield of Kruk is 4.18 %.

Kruk pays a dividend, distributed in the months of , , , .

Kruk paid dividends every year for the past 5 years.

For the upcoming 12 months, dividends amounting to 25.92 PLN are expected. This corresponds to a dividend yield of 6.03 %.

Kruk is assigned to the 'Finance' sector.

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

The last dividend was paid out on .

In the year 2025, Kruk distributed 18 PLN as dividends.

The dividends of Kruk are distributed in PLN.

All fundamentals and in-depth analysis of Kruk

Our stock analysis for Kruk 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. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.