Kruk SA
KRU.WAR
| Exchange: | WAR |
| Currency | Polish złoty |
| ISIN: | PLKRK0000010 |
| LEI: | 259400T1FZYBIW8XUJ78 |
| Primary Ticker: | KRU.WAR |
| Fiscal Year End: | December |
| Sector: | Financial Services |
| Industry: | Credit Services |
| Gic Sector: | Financials |
| Gic Group: | Financial Services |
| Gic Industry: | Consumer Finance |
| Gic Sub Industry: | Consumer Finance |
| Description: | KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Consumer Debts, Mortgage Debts, and Corporate Debts segments. It offers credit management services to banks, telecommunication operators, insurers, and others. In addition, the company purchases and manages debt portfolios including consumer, mortgage, and corporate debts. Further, it offers consumer unsecured, mortgage, and SME/corporate loans, as well as manages the receivables of banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and FMCG companies. Additionally, the company provides Novum loan services; detective services; financial intermediation agency services; and auxiliary services to small and medium-sized enterprises. Furthermore, it collects, processes, and provides credit information on natural persons; and invests in receivables and other funds. The company acquires agricultural real estate properties; and engages in IT and software development businesses, as well as involved in law firm related activities. KRUK Spólka Akcyjna was founded in 1998 and is headquartered in Wroclaw, Poland. |
| Address: | St. Wolowska 8, Wroclaw, Poland, 51-116 |
| Website: | https://www.pl.kruk.eu |
| Full Time Employees: | 3339 |
| Updated On: | 2024-11-04 |
Highlights
| Market Capitalization: | 8299244032 |
| Market Capitalization Mln: | 8299.24 |
| EBITDA: | 1999897984 |
| PE Ratio: | 7.39 |
| Wall Street Target Price: | 515 |
| Book Value: | 227.43 |
| Dividend Share: | 18 |
| Dividend Yield: | 0.04 |
| Earnings Share: | 57.92 |
| EPS Estimate Current Year: | 54.13 |
| EPS Estimate Next Year: | 57 |
| Most Recent Quarter: | 2024-06-30 |
| Profit Margin: | 0.57 |
| Operating Margin TTM: | 1.04 |
| Return On Assets TTM: | 0.12 |
| Return On Equity TTM: | 0.29 |
| Revenue TTM: | 2071165952 |
| Revenue Per Share TTM: | 107.19 |
| Quarterly Revenue Growth YOY: | 0.21 |
| Gross Profit TTM: | 1013974000 |
| Diluted Eps TTM: | 57.92 |
| Quarterly Earnings Growth YOY: | 0.55 |
Valuation
| Trailing PE: | 7.39 |
| Price Sales TTM: | 4.00 |
| Price Book MRQ: | 1.88 |
| Enterprise Value: | 10911626572 |
| Enterprise Value Revenue: | 5.26 |
| Enterprise Value Ebitda: | 9.93 |
Shares
| Shares Outstanding: | 19381700 |
| Shares Float: | 17424507 |
| Percent Insiders: | 8.93 |
| Percent Institutions: | 62.88 |
Technicals
| Beta: | 1.32 |
| 52 Week High: | 481.4 |
| 52 Week Low: | 397.39 |
| 50 Day MA: | 431.20 |
| 200 Day MA: | 443.31 |
Splits & Dividends
| Forward Annual Dividend Rate: | 18 |
| Forward Annual Dividend Yield: | 0.04 |
| Payout Ratio: | 0.42 |
| Ex Dividend Date: | 2024-05-14 |
Earnings
| Report Date: | 2025-08-25 |
| Date: | 2025-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Report Date: | 2025-05-06 |
| Date: | 2025-03-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Report Date: | 2025-02-20 |
| Date: | 2024-12-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Report Date: | 2024-10-29 |
| Date: | 2024-09-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Report Date: | 2024-08-27 |
| Date: | 2024-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 12.91 |
| Report Date: | 2024-05-08 |
| Date: | 2024-03-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 16.55 |
| Report Date: | 2024-02-23 |
| Date: | 2023-12-31 |
| Currency: | PLN |
| Eps Actual: | 12.47 |
| Report Date: | 2023-11-08 |
| Date: | 2023-09-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 11.17 |
| Report Date: | 2023-08-10 |
| Date: | 2023-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 14.48 |
| Report Date: | 2023-04-26 |
| Date: | 2023-03-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 11.64 |
| Report Date: | 2023-03-09 |
| Date: | 2022-12-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 6.35 |
| Report Date: | 2022-11-08 |
| Date: | 2022-09-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 9.59 |
| Report Date: | 2022-09-07 |
| Date: | 2022-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 12.37 |
| Report Date: | 2022-04-28 |
| Date: | 2022-03-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 12.40 |
| Report Date: | 2022-03-15 |
| Date: | 2021-12-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 6.47 |
| Report Date: | 2021-11-03 |
| Date: | 2021-09-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 8.92 |
| Report Date: | 2021-08-23 |
| Date: | 2021-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 13.74 |
| Report Date: | 2021-05-24 |
| Date: | 2021-03-31 |
| Before After Market: | Before Market |
| Currency: | PLN |
| Eps Actual: | 6.53 |
| Report Date: | 2021-03-25 |
| Date: | 2020-12-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 2.43 |
| Report Date: | 2020-10-29 |
| Date: | 2020-09-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 2.8 |
| Report Date: | 2020-07-10 |
| Date: | 2020-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 2.21 |
| Report Date: | 2020-04-21 |
| Date: | 2020-03-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | -3.27 |
| Report Date: | 2020-03-05 |
| Date: | 2019-12-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 1.64 |
| Report Date: | 2019-10-25 |
| Date: | 2019-09-30 |
| Before After Market: | Before Market |
| Currency: | PLN |
| Eps Actual: | 4.01 |
| Report Date: | 2019-09-05 |
| Date: | 2019-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 3.57 |
| Report Date: | 2019-04-25 |
| Date: | 2019-03-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 5.08 |
| Report Date: | 2019-02-28 |
| Date: | 2018-12-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 2.63 |
| Report Date: | 2018-10-28 |
| Date: | 2018-09-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 4.65 |
| Report Date: | 2018-09-07 |
| Date: | 2018-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 5.11 |
| Report Date: | 2018-04-27 |
| Date: | 2018-03-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 4.71 |
| Eps Estimate: | 4.6 |
| Eps Difference: | 0.11 |
| Surprise Percent: | 2.39 |
| Report Date: | 2018-03-19 |
| Date: | 2017-12-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 0.15 |
| Report Date: | 2017-10-30 |
| Date: | 2017-09-30 |
| Before After Market: | Before Market |
| Currency: | PLN |
| Eps Actual: | 3.86 |
| Report Date: | 2017-09-06 |
| Date: | 2017-06-30 |
| Before After Market: | Before Market |
| Currency: | PLN |
| Eps Actual: | 5.29 |
| Report Date: | 2017-04-27 |
| Date: | 2017-03-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 4.18 |
| Report Date: | 2017-02-28 |
| Date: | 2016-12-31 |
| Before After Market: | Before Market |
| Currency: | PLN |
| Eps Actual: | 3.38 |
| Report Date: | 2016-11-02 |
| Date: | 2016-09-30 |
| Before After Market: | Before Market |
| Currency: | PLN |
| Eps Actual: | 4.03 |
| Report Date: | 2016-08-28 |
| Date: | 2016-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 2.77 |
| Report Date: | 2016-05-08 |
| Date: | 2016-03-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 3.37 |
| Report Date: | 2016-03-06 |
| Date: | 2015-12-31 |
| Before After Market: | Before Market |
| Currency: | PLN |
| Eps Actual: | 2.44 |
| Report Date: | 2015-11-02 |
| Date: | 2015-09-30 |
| Before After Market: | Before Market |
| Currency: | PLN |
| Eps Actual: | 2.93 |
| Report Date: | 2015-08-30 |
| Date: | 2015-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 3.18 |
| Report Date: | 2015-05-10 |
| Date: | 2015-03-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 2.83 |
| Report Date: | 2015-03-15 |
| Date: | 2014-12-31 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 1.45 |
| Report Date: | 2014-11-11 |
| Date: | 2014-09-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 1.52 |
| Report Date: | 2014-09-10 |
| Date: | 2014-06-30 |
| Before After Market: | After Market |
| Currency: | PLN |
| Eps Actual: | 3.44 |
| Report Date: | 2014-03-31 |
| Date: | 2014-03-31 |
| Currency: | PLN |
| Eps Actual: | 2.29 |
| Report Date: | 2013-12-31 |
| Date: | 2013-12-31 |
| Currency: | PLN |
| Eps Actual: | 1 |
| Report Date: | 2013-09-30 |
| Date: | 2013-09-30 |
| Currency: | PLN |
| Eps Actual: | 1.71 |
| Report Date: | 2013-06-30 |
| Date: | 2013-06-30 |
| Currency: | PLN |
| Eps Actual: | 1.79 |
| Report Date: | 2013-03-31 |
| Date: | 2013-03-31 |
| Currency: | PLN |
| Eps Actual: | 1.15 |
| Report Date: | 2012-12-31 |
| Date: | 2012-12-31 |
| Currency: | PLN |
| Eps Actual: | 1.6 |
| Report Date: | 2012-09-30 |
| Date: | 2012-09-30 |
| Currency: | PLN |
| Eps Actual: | 1.27 |
| Report Date: | 2012-06-30 |
| Date: | 2012-06-30 |
| Currency: | PLN |
| Eps Actual: | 1.07 |
| Report Date: | 2012-03-31 |
| Date: | 2012-03-31 |
| Currency: | PLN |
| Eps Actual: | 0.82 |
| Report Date: | 2011-12-31 |
| Date: | 2011-12-31 |
| Currency: | PLN |
| Eps Actual: | 0.83 |
| Report Date: | 2011-09-30 |
| Date: | 2011-09-30 |
| Currency: | PLN |
| Eps Actual: | 0.77 |
| Report Date: | 2011-06-30 |
| Date: | 2011-06-30 |
| Currency: | PLN |
| Eps Actual: | 1.48 |
| Date: | 2025-12-31 |
| Period: | +1y |
| Growth: | 0.05 |
| Earnings Estimate Avg: | 57.00 |
| Earnings Estimate Low: | 50.34 |
| Earnings Estimate High: | 63.66 |
| Earnings Estimate Year Ago Eps: | 54.13 |
| Earnings Estimate Number Of Analysts: | 2.00 |
| Earnings Estimate Growth: | 0.05 |
| Revenue Estimate Avg: | 3205230000.00 |
| Revenue Estimate Low: | 3005000000.00 |
| Revenue Estimate High: | 3297930000.00 |
| Revenue Estimate Number Of Analysts: | 4.00 |
| Revenue Estimate Growth: | 0.10 |
| Eps Trend Current: | 57.00 |
| Eps Trend7days Ago: | 57.00 |
| Eps Trend30days Ago: | 55.47 |
| Eps Trend60days Ago: | 55.47 |
| Eps Trend90days Ago: | 55.47 |
| Date: | 2024-12-31 |
| Growth: | 0.08 |
| Earnings Estimate Avg: | 54.13 |
| Earnings Estimate Low: | 48.53 |
| Earnings Estimate High: | 59.74 |
| Earnings Estimate Year Ago Eps: | 49.77 |
| Earnings Estimate Number Of Analysts: | 2.00 |
| Earnings Estimate Growth: | 0.08 |
| Revenue Estimate Avg: | 2914170000.00 |
| Revenue Estimate Low: | 2710000000.00 |
| Revenue Estimate High: | 3070000000.00 |
| Revenue Estimate Number Of Analysts: | 4.00 |
| Revenue Estimate Growth: | 0.12 |
| Eps Trend Current: | 54.13 |
| Eps Trend7days Ago: | 54.13 |
| Eps Trend30days Ago: | 54.16 |
| Eps Trend60days Ago: | 54.16 |
| Eps Trend90days Ago: | 54.16 |
| Date: | 2024-09-30 |
| Period: | +1q |
| Date: | 2024-06-30 |
| Revenue Estimate Avg: | 732300000.00 |
| Revenue Estimate Low: | 728600000.00 |
| Revenue Estimate High: | 736000000.00 |
| Revenue Estimate Number Of Analysts: | 2.00 |
| Revenue Estimate Growth: | 0.07 |
| Date: | 2024-03-31 |
| Revenue Estimate Avg: | 706000000.00 |
| Revenue Estimate Low: | 706000000.00 |
| Revenue Estimate High: | 706000000.00 |
| Revenue Estimate Number Of Analysts: | 1.00 |
| Revenue Estimate Growth: | 0.14 |
| Date: | 2023-12-31 |
| Growth: | 0.18 |
| Earnings Estimate Avg: | 48.32 |
| Earnings Estimate Low: | 47.63 |
| Earnings Estimate High: | 49.00 |
| Earnings Estimate Year Ago Eps: | 40.71 |
| Earnings Estimate Number Of Analysts: | 2.00 |
| Earnings Estimate Growth: | 0.18 |
| Revenue Estimate Avg: | 2553960000.00 |
| Revenue Estimate Low: | 2503200000.00 |
| Revenue Estimate High: | 2589000000.00 |
| Revenue Estimate Number Of Analysts: | 4.00 |
| Revenue Estimate Growth: | 0.19 |
| Eps Trend Current: | 48.32 |
| Eps Trend7days Ago: | 48.32 |
| Eps Trend30days Ago: | 47.13 |
| Eps Trend60days Ago: | 47.06 |
| Eps Trend90days Ago: | 47.06 |
| Eps Revisions Up Last30days: | 1.00 |
| Date: | 2023-09-30 |
| Revenue Estimate Avg: | 611500000.00 |
| Revenue Estimate Low: | 589000000.00 |
| Revenue Estimate High: | 634000000.00 |
| Revenue Estimate Number Of Analysts: | 2.00 |
| Revenue Estimate Growth: | 0.20 |
| Date: | 2023-06-30 |
| Revenue Estimate Avg: | 635700000.00 |
| Revenue Estimate Low: | 615500000.00 |
| Revenue Estimate High: | 655900000.00 |
| Revenue Estimate Number Of Analysts: | 2.00 |
| Revenue Estimate Growth: | 0.14 |
| Date: | 2023-03-31 |
| Revenue Estimate Avg: | 557000000.00 |
| Revenue Estimate Low: | 557000000.00 |
| Revenue Estimate High: | 557000000.00 |
| Revenue Estimate Number Of Analysts: | 1.00 |
| Revenue Estimate Growth: | 0.02 |
| Date: | 2022-12-31 |
| Growth: | 0.13 |
| Earnings Estimate Avg: | 40.59 |
| Earnings Estimate Low: | 36.60 |
| Earnings Estimate High: | 43.24 |
| Earnings Estimate Year Ago Eps: | 35.80 |
| Earnings Estimate Number Of Analysts: | 4.00 |
| Earnings Estimate Growth: | 0.13 |
| Revenue Estimate Avg: | 2099150000.00 |
| Revenue Estimate Low: | 2073000000.00 |
| Revenue Estimate High: | 2126000000.00 |
| Revenue Estimate Number Of Analysts: | 5.00 |
| Revenue Estimate Growth: | 0.20 |
| Eps Trend Current: | 40.59 |
| Eps Trend7days Ago: | 40.59 |
| Eps Trend30days Ago: | 40.63 |
| Eps Trend60days Ago: | 39.89 |
| Eps Trend90days Ago: | 38.72 |
| Date: | 2022-09-30 |
| Revenue Estimate Avg: | 473900000.00 |
| Revenue Estimate Low: | 464000000.00 |
| Revenue Estimate High: | 483800000.00 |
| Revenue Estimate Number Of Analysts: | 2.00 |
| Revenue Estimate Growth: | 0.70 |
| Date: | 2022-06-30 |
| Revenue Estimate Avg: | 531000000.00 |
| Revenue Estimate Low: | 531000000.00 |
| Revenue Estimate High: | 531000000.00 |
| Revenue Estimate Number Of Analysts: | 1.00 |
| Revenue Estimate Growth: | 1.08 |
| Date: | 2022-03-31 |
| Period: | +1q |
| Date: | 2021-12-31 |
| Revenue Estimate Avg: | 1850760000.00 |
| Revenue Estimate Low: | 1784000000.00 |
| Revenue Estimate High: | 1891000000.00 |
| Revenue Estimate Number Of Analysts: | 5.00 |
| Revenue Estimate Growth: | 0.06 |
| Date: | 2019-12-31 |
| Period: | +1y |
| Revenue Estimate Avg: | 1376180000.00 |
| Revenue Estimate Low: | 1283320000.00 |
| Revenue Estimate High: | 1461000000.00 |
| Revenue Estimate Number Of Analysts: | 6.00 |
| Revenue Estimate Growth: | 0.12 |
| Eps Trend7days Ago: | 19.92 |
| Eps Trend30days Ago: | 19.92 |
| Eps Trend60days Ago: | 19.92 |
| Eps Trend90days Ago: | 19.92 |
| Date: | 2018-12-31 |
| Revenue Estimate Avg: | 1225050000.00 |
| Revenue Estimate Low: | 1197300000.00 |
| Revenue Estimate High: | 1280000000.00 |
| Revenue Estimate Number Of Analysts: | 5.00 |
| Revenue Estimate Growth: | 0.16 |
| Eps Trend7days Ago: | 18.02 |
| Eps Trend30days Ago: | 18.02 |
| Eps Trend60days Ago: | 18.02 |
| Eps Trend90days Ago: | 18.02 |
| Eps Revisions Up Last30days: | 1.00 |
| Date: | 2018-09-30 |
| Period: | +1q |
| Revenue Estimate Avg: | 288596000.00 |
| Revenue Estimate Low: | 308200000.00 |
| Revenue Estimate High: | 308200000.00 |
| Revenue Estimate Number Of Analysts: | 1.00 |
| Revenue Estimate Growth: | 0.11 |
| Date: | 2018-06-30 |
| Revenue Estimate Avg: | 319584000.00 |
| Revenue Estimate Low: | 302500000.00 |
| Revenue Estimate High: | 307600000.00 |
| Revenue Estimate Number Of Analysts: | 4.00 |
| Revenue Estimate Growth: | 0.12 |
| Date: | 2024-09-30 |
| Eps Actual: | 29.46 |
| Date: | 2023-12-31 |
| Eps Actual: | 49.76 |
| Date: | 2022-12-31 |
| Eps Actual: | 40.71 |
| Date: | 2021-12-31 |
| Eps Actual: | 35.67 |
| Date: | 2020-12-31 |
| Eps Actual: | 4.16 |
| Date: | 2019-12-31 |
| Eps Actual: | 14.30 |
| Date: | 2018-12-31 |
| Eps Actual: | 17.10 |
| Date: | 2017-12-31 |
| Eps Actual: | 13.48 |
| Date: | 2016-12-31 |
| Eps Actual: | 13.55 |
| Date: | 2015-12-31 |
| Eps Actual: | 11.38 |
| Date: | 2014-12-31 |
| Eps Actual: | 8.71 |
| Date: | 2013-12-31 |
| Eps Actual: | 5.65 |
| Date: | 2012-12-31 |
| Eps Actual: | 4.78 |
| Date: | 2011-12-31 |
| Eps Actual: | 3.08 |