ScreenerHero
KRUKRUK Spólka Akcyjna
GPW · PL · Financial Services · Credit Services · pl.kruk.eu
435.70PLN+1.28%Mkt Cap: 2.16B $P/E: 8.17

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: Con…

Industry Peers

Credit Services
Screen all
V
Visa Inc.
$682.48BUSDP/E 31.1
MA
Mastercard Incorporated Class A
$502.58BUSDP/E 31.5
AXP
American Express Company
$229.54BUSDP/E 20.6
COF
Capital One Financial Corporation
$135.42BUSDP/E 12.2
PYPL
PayPal Holdings, Inc.
$53.70BUSDP/E 11.8
SYF
Synchrony Financial
$25.91BUSDP/E 8.2
AFRM
Affirm Holdings, Inc.
$25.90BUSDP/E 70.3
SOFI
SoFi Technologies, Inc.
$23.79BUSDP/E 37.6
ALLY
Ally Financial Inc.
$12.86BUSDP/E 10.0
FCFS
FirstCash, Inc.
$9.19BUSDP/E 24.1
EDEN
Edenred SE
$7.31BUSDP/E 14.2
OMF
OneMain Holdings, Inc.
$7.39BUSDP/E 9.7
ENVA
Enova International, Inc.
$6.33BUSDP/E 18.9
CACC
Credit Acceptance Corporation
$6.10BUSDP/E 12.9
SLM
SLM Corporation
$5.00BUSDP/E 7.4
NNI
Nelnet, Inc.
$4.51BUSDP/E 15.1
BFH
Bread Financial Holdings Inc. Common Stock
$4.38BUSDP/E 8.9
SEZL
Sezzle Inc. Common Stock
$4.01BUSDP/E 26.1
UPST
Upstart Holdings, Inc.
$2.93BUSDP/E 58.8
AGM
Federal Agricultural Mortgage Corporation
$2.40BUSDP/E 12.1

Key Statistics

Company
Market Cap2.16B $
Enterprise Value3.88B $
Revenue (TTM)659.98M $
Gross Profit375.68M $
Net Income (TTM)274.79M $
Revenue/Share33.97 USD
Last Price435.70 PLN
Fiscal Year EndDec 2025
MR QuarterMar 2026
Employees3.2K
CountryPL
SectorFinancial Services
IndustryCredit Services
ISINPLKRK0000010
Valuation
P/E (Trailing)8.17
P/E (Forward)7.44
PEG—
EV/EBITDA7.37
EV/Revenue5.89
P/S3.25
P/B1.50
EPS (TTM)53.29
EPS (Forward)58.23
52W Range
386.7040% of range510.00
52W High510.00 PLN
52W Low386.70 PLN
Profitability
Gross Margin58.40%
Oper. Margin76.24%
EBITDA Margin79.86%
Profit Margin42.71%
ROE20.37%
ROA8.33%
Growth
Revenue Growth10.70%
Earnings Growth2.50%
Cash Flow & Leverage
Operating CF74.29M $
CapEx (TTM)23.64M $
FCF Margin13.18%
FCF Yield4.03%
Net Debt1.76B $
Net Debt/EBITDA3.34
Balance Sheet
Debt/Equity1.36
Current Ratio1.50
Quick Ratio0.68
Book Value/Sh289.09 PLN
Cash/Share23.20 PLN
Dividends
Fwd Div Rate20.00 PLN
Trail. Div Rate0.0000 PLN
Div. Yield4.60%
5Y Avg Yield—
Payout Ratio33.77%
Ex-Div DateMay 29, 2026
Pay Date—
Analyst Consensus
Rating1.0 (Strong Buy)
Strong BuyBuyHoldSellStr. Sell
Target (Mean)530.90 PLN
Upside (mean)+21.8%
Target Range485.00 PLN – 585.00 PLN
PLN485.00+21.8% to meanPLN585.00
# Analysts4
Ownership
Shares Out.19.54M
Float17.61M
Insiders8.70%
Institutions59.64%
Technical
SMA 50417.90 (+4.3%)
SMA 200451.59 (-3.5%)
Beta0.35
S&P 52W Chg18.16%
Avg Vol (30d)31.95K
Avg Vol (10d)27.71K
Technical Indicators
RSI (14)53.2
MACD3.6157
MACD Signal4.0259
MACD Hist.-0.4102
BB Upper443.75 PLN
BB Middle428.66 PLN
BB Lower413.57 PLN
BB Width7.04%
ATR (14)8.733 PLN
Vol Ratio (20d)0.66x