Kruk SA is the leader in the debt collection industry. It manages debts purchased on its own account and contracted by third parties. The group manages bank debt (the main client category), debts owed to loan brokers, insurance companies, leasing firms, fixed-line and mobile phone operators, cable TV companies, digital TV platforms and FMCG companies. The Group manages debt in three segments consumer debts, mortgage debts and corporate debts. Consumer debts include retail and unsecured. Mortgage debts include retail, and secured. Corporate debts include mortgage-backed and non-mortgage-backed. Geographically the company operates in segments Poland, Romania, Italy, Spain, and Other foreign markets.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.56
Equity-to-Asset	0.41
Debt-to-Equity	1.33
Debt-to-EBITDA	5.17
Interest Coverage	106.75
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.13	Distress Grey Safe
Beneish M-Score	-1.58	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	13.5
	3-Year EBITDA Growth Rate	53.6
	3-Year EPS without NRI Growth Rate	124.1
	3-Year Book Growth Rate	22.2
	Future 3-5Y EPS without NRI Growth Rate	10.34
	Future 3-5Y Total Revenue Growth Rate	23.49

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	5.61
	Quick Ratio	5.59
	Cash Ratio	5.43
	Days Inventory	5.07
	Days Sales Outstanding	3.74
	Days Payable	49.68

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Payout Ratio	0.33
	3-Year Average Share Buyback Ratio	-0.5
	Shareholder Yield %	-11.2

Profitability Rank

10/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	52.03
	Operating Margin %	53.01
	Net Margin %	57.25
	FCF Margin %	-11.3
	ROE %	29.37
	ROA %	11.83
	ROIC %	15.22
	ROC (Joel Greenblatt) %	1213.71
	ROCE %	11.47
	Years of Profitability over Past 10-Year	10

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.29
	Forward PE Ratio	4.4
	PE Ratio without NRI	7.66
	Shiller PE Ratio	13.67
	PEG Ratio	0.28
	PS Ratio	4.18
	PB Ratio	1.86
	Price-to-Tangible-Book	1.89
	EV-to-EBIT	10.07
	EV-to-EBITDA	9.51
	EV-to-Revenue	5.22
	EV-to-FCF	-46.06
	Price-to-Projected-FCF	8.68
	Price-to-DCF (Earnings Based)	0.2
	Price-to-Median-PS-Value	0.89
	Price-to-Peter-Lynch-Fair-Value	0.31
	Price-to-Graham-Number	0.8
	Earnings Yield (Greenblatt) %	9.91
	FCF Yield %	-2.85
	Forward Rate of Return (Yacktman) %	17.81

Financials (Next Earnings Date:2025-02-28 Est.)

Annual Quarterly TTM

LTS:0Q3Y's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Kruk SA Executives

Details

GF Value: zł362.13

LTS:0Q3Y

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 3 Severe warning signs with 0Q3Y. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil zł)	2,071.322
	EPS (TTM) (zł)	57.91
	Beta	0.06
	Volatility %	7.03
	14-Day RSI	0
	14-Day ATR (zł)	0.057005
	20-Day SMA (zł)	256
	12-1 Month Momentum %	0
	52-Week Range (zł)	256 - 479.4
	Shares Outstanding (Mil)	19.38

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	4
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Kruk SA Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Kruk SA Stock Events

Financials Calendars

	Event	Date	Price(zł)
No Event Data

Kruk SA Frequently Asked Questions

What is Kruk SA(LTS:0Q3Y)'s stock price today?

The current price of LTS:0Q3Y is zł256.00. The 52 week high of LTS:0Q3Y is zł479.40 and 52 week low is zł256.00.

When is next earnings date of Kruk SA(LTS:0Q3Y)?

The next earnings date of Kruk SA(LTS:0Q3Y) is 2025-02-28 Est..

Does Kruk SA(LTS:0Q3Y) pay dividends? If so, how much?

Kruk SA(LTS:0Q3Y) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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