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Kruk rises after Citi upgrades to 'Buy' — shares climb despite profit miss

Kruk's shares rose about 2.3% after Citi upgraded its rating to 'Buy' and called the valuation attractive (expected P/E 7.3, dividend yield 5.8%). In the first quarter, net profit was 4% below consensus and 17% below Citi's forecast, driven by lower revenues from weaker revaluation gains and higher court and tax costs. Citi expects revaluation gains to rise in the coming quarters, with slight improvements particularly in Poland and Italy, and sees the low valuation as a potential catalyst for a rerating. » More on de.investing.com
KRUK reports record cash EBITDA and 12% higher collections in Q1–Q3 2025

KRUK published unaudited results for Q1–Q3 2025 with a record cash EBITDA of PLN 2,007m (+13%) and collections from purchased portfolios of PLN 2,921m (+12%). Net profit fell to PLN 877m, down 9% year‑on‑year, while the carrying value of the receivables portfolio rose 15% to PLN 11.2bn. Investments in portfolios declined 13% to PLN 1,427m; operational efficiency improved and the operating cost ratio fell to 22%. KRUK reports a robust balance sheet with net financial metrics and available credit lines, expects 2025 could deliver the highest annual net profit in the company’s history, and is exploring market entries in the UK and the US. » More on de.investing.com
Kruk SA reports record cash EBITDA and focuses its expansion on France, the UK and the US

Kruk SA published Q2 2025 figures showing a slight decline in net profit of 3% to PLN 584m, but achieved a record cash EBITDA of PLN 1.3bn in the first half and a return on equity of 22%. Management announced a strategic realignment with withdrawal from the Czech Republic, Slovakia and Germany, increased investments in digital transformation, and planned market expansion into France, the UK and the US. By year-end Kruk plans portfolio purchases of around PLN 2.5bn and expects medium-term tax effects from a proposed corporate tax reform in 2027. » More on de.investing.com

Historical dividends Dividends

All dividend metrics All metrics

In 2026, KRUK SA ZY 1 has already paid 4,71€ in dividends. The last payout was in June.

Financials

In the last quarter, KRUK SA ZY 1 had revenue of 156.98m€ and net profit of 61.14m€

(EUR)	Mar 2026	YoY
Revenue	+156.98m	7,82%
Gross profit	+147.10m	79,42%
Net profit	+61.14m	1,69%
EBITDA	+124.23m	77,10%

Fundamentals

Metric	Value
Market capitalization	+2.09b€
Number of shares	19.54m
52-week high/low	+106,90€ - +78,09€
Dividend yield	+4,63%
Dividends TTM	+4,71€
Beta	0,27
P/E ratio	+7,80
PEG ratio	+0,74
P/B ratio	+1,52
P/S ratio	+3,31

Company profile

KRUK Spólka Akcyjna ist zusammen mit ihren Tochtergesellschaften in der Verwaltung von Forderungen in Polen, Rumänien, Italien, der Tschechischen Republik, der Slowakei, Deutschland, Spanien und international tätig. Das Unternehmen ist in den Segmenten Forderungskauf, Kreditmanagement und Sonstige tätig. Es kauft und verwaltet Schuldenportfolios, einschließlich Verbraucher-, hypothekarisch gesicherter und Unternehmensschulden, und bietet unbesicherte Verbraucher-, Hypotheken- und KMU-/Firmenkredite sowie Kreditmanagementdienste an. Das Unternehmen verwaltet auch die Forderungen von Banken, Kreditvermittlern, Versicherungen, Leasinggesellschaften, Festnetz- und Mobilfunkbetreibern, Kabelfernsehbetreibern, Betreibern von Digitalfernsehen und FMCG-Unternehmen. Darüber hinaus bietet es Novum-Kreditdienste, Detektivdienste, Finanzvermittlungsdienste und Hilfsdienste für kleine und mittlere Unternehmen an. Darüber hinaus sammelt, verarbeitet und stellt das Unternehmen Kreditinformationen über natürliche Personen zur Verfügung, bietet Forderungsmanagementdienste und Portfolio-Underwriting-Dienste an. Darüber hinaus investiert das Unternehmen in Forderungen und Zertifikate von Verbriefungsfonds und erwirbt landwirtschaftliche Liegenschaften. KRUK Spólka Akcyjna wurde 1998 gegründet und hat seinen Hauptsitz in Wroclaw, Polen.