Kruk SA (WSE:KRU)

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Price: 416.8 PLN 0.29%

Market Cap: 8.1B PLN

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Section:

Relative Value

The Relative Value of one KRU stock under the Base Case scenario is 768.98 PLN. Compared to the current market price of 416.8 PLN, Kruk SA is Undervalued by 46%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

What is Relative Valuation?

How is Relative Value calculated?

KRU Relative Value

Base Case

Worst Case

Base Case

Best Case

Valuation Multiples

2.7

P/S

vs History	57
vs Industry	44

Median 5Y

2.8

Industry

3.1

Forward

2.7

More Details

6.8

P/E

vs History	88
vs Industry	51

Median 5Y

Industry

15.3

Forward

7.1

More Details

Negative

P/OCF

vs History
vs Industry

Median 5Y

-9.8

Industry

10.2

More Details

37.4

P/FCFE

vs History	3
vs Industry	16

Median 5Y

12.8

Industry

12.8

More Details

1.8

P/B

vs History	52
vs Industry	25

Median 5Y

1.9

Industry

1.3

More Details

4.5

EV/S

vs History	41
vs Industry	42

Median 5Y

4.3

Industry

4.8

Forward

4.5

More Details

N/A

EV/GP

vs History
vs Industry	46

Median 5Y

2.5

Industry

More Details

5.8

EV/EBITDA

vs History	98
vs Industry	51

Median 5Y

8.9

Industry

14.1

Forward

7.6

More Details

EV/EBIT

vs History	98
vs Industry	48

Median 5Y

9.4

Industry

14.7

Forward

8.8

More Details

Negative

EV/OCF

vs History
vs Industry

Median 5Y

-14.8

Industry

12.4

More Details

Negative

EV/FCFF

vs History
vs Industry

Median 5Y

-14.1

Industry

13.4

More Details

1.3

EV/IC

vs History	47
vs Industry	25

Median 5Y

1.3

Industry

0.9

More Details

Multiples Across Competitors

All Multiples

P/S

P/E

EV/EBITDA

EV/EBIT

Forward Multiples

			Market Cap	P/S	P/E	EV/EBITDA	EV/EBIT
PL	K	Kruk SA WSE:KRU	8B PLN	2.7	6.8	5.8	6
US		American Express Co NYSE:AXP	211.9B USD	3	21.7	25.5	29
US		Capital One Financial Corp NYSE:COF	68.9B USD	1.8	17	36.1	0
IN		Bajaj Finance Ltd NSE:BAJFINANCE	4.3T INR	6.9	27.8	24.8	25.5
US		Discover Financial Services NYSE:DFS	43.9B USD	2	11.5	162.3	0
US		Synchrony Financial NYSE:SYF	25.7B USD	1.3	8.3	86.9	0
KZ	K	Kaspi.kz AO NASDAQ:KSPI	18.4B USD	0	0	0	0
US		SoFi Technologies Inc NASDAQ:SOFI	17.4B USD	6.8	93.9	100.4	0
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	1.1T INR	2.8	13.6	18.9	19.7
US	S	Santander Consumer USA Holdings Inc F:77S	11.3B EUR	1.5	3.8	8.3	12
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	1T INR	4.5	26	27.6	28.7

				Revenue Growth	P/S to Growth
PL	K	Kruk SA WSE:KRU	Average P/S: 3.3 2.7	11%	0.2
US		American Express Co NYSE:AXP	3	6%	0.5
US		Capital One Financial Corp NYSE:COF	1.8	6%	0.3
IN		Bajaj Finance Ltd NSE:BAJFINANCE	6.9	9%	0.8
US		Discover Financial Services NYSE:DFS	2	4%	0.5
US		Synchrony Financial NYSE:SYF	1.3	4%	0.3
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	37%	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	6.8	19%	0.4
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	2.8	N/A	N/A
US	S	Santander Consumer USA Holdings Inc F:77S	1.5	N/A	N/A
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	4.5	6%	0.7

				Earnings Growth	PEG
PL	K	Kruk SA WSE:KRU	Average P/E: 23 6.8	7%	1
US		American Express Co NYSE:AXP	21.7	14%	1.6
US		Capital One Financial Corp NYSE:COF	17	15%	1.1
IN		Bajaj Finance Ltd NSE:BAJFINANCE	27.8	23%	1.2
US		Discover Financial Services NYSE:DFS	11.5	10%	1.2
US		Synchrony Financial NYSE:SYF	8.3	12%	0.7
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	25%	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	93.9	N/A	N/A
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	13.6	N/A	N/A
US	S	Santander Consumer USA Holdings Inc F:77S	3.8	N/A	N/A
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	26	31%	0.8

				EBITDA Growth	EV/EBITDA to Growth
PL	K	Kruk SA WSE:KRU	Average EV/EBITDA: 49.7 5.8	4%	1.5
US		American Express Co NYSE:AXP	25.5	15%	1.7
US		Capital One Financial Corp NYSE:COF	36.1	N/A	N/A
IN		Bajaj Finance Ltd NSE:BAJFINANCE	24.8	N/A	N/A
US		Discover Financial Services NYSE:DFS	162.3	N/A	N/A
US		Synchrony Financial NYSE:SYF	86.9	97%	0.9
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	N/A	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	100.4	86%	1.2
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	18.9	N/A	N/A
US	S	Santander Consumer USA Holdings Inc F:77S	8.3	N/A	N/A
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	27.6	N/A	N/A

				EBIT Growth	EV/EBIT to Growth
PL	K	Kruk SA WSE:KRU	Average EV/EBIT: 20.1 6	4%	1.5
US		American Express Co NYSE:AXP	29	24%	1.2
US		Capital One Financial Corp NYSE:COF	Not Available	N/A	N/A
IN		Bajaj Finance Ltd NSE:BAJFINANCE	25.5	26%	1
US		Discover Financial Services NYSE:DFS	Not Available	N/A	N/A
US		Synchrony Financial NYSE:SYF	Not Available	N/A	N/A
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	N/A	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	Not Available	N/A	N/A
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	19.7	N/A	N/A
US	S	Santander Consumer USA Holdings Inc F:77S	12	N/A	N/A
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	28.7	37%	0.8

US	Johnson & Johnson NYSE:JNJ	Pharmaceuticals
US	Berkshire Hathaway Inc NYSE:BRK.A	Financial Services
US	Bank of America Corp NYSE:BAC	Banking
US	Mastercard Inc NYSE:MA	Technology
US	UnitedHealth Group Inc NYSE:UNH	Health Care
US	Exxon Mobil Corp NYSE:XOM	Energy
US	Pfizer Inc NYSE:PFE	Pharmaceuticals
US	Palantir Technologies Inc NYSE:PLTR	Technology
US	Nike Inc NYSE:NKE	Textiles, Apparel & Luxury Goods
US	Visa Inc NYSE:V	Technology
CN	Alibaba Group Holding Ltd NYSE:BABA	Retail
US	3M Co NYSE:MMM	Industrial Conglomerates
US	JPMorgan Chase & Co NYSE:JPM	Banking
US	Coca-Cola Co NYSE:KO	Beverages
US	Walmart Inc NYSE:WMT	Retail
US	Verizon Communications Inc NYSE:VZ	Telecommunication

	Johnson & Johnson NYSE:JNJ	US
	Berkshire Hathaway Inc NYSE:BRK.A	US
	Bank of America Corp NYSE:BAC	US
	Mastercard Inc NYSE:MA	US
	UnitedHealth Group Inc NYSE:UNH	US
	Exxon Mobil Corp NYSE:XOM	US
	Pfizer Inc NYSE:PFE	US
	Palantir Technologies Inc NYSE:PLTR	US
	Nike Inc NYSE:NKE	US
	Visa Inc NYSE:V	US
	Alibaba Group Holding Ltd NYSE:BABA	CN
	3M Co NYSE:MMM	US
	JPMorgan Chase & Co NYSE:JPM	US
	Coca-Cola Co NYSE:KO	US
	Walmart Inc NYSE:WMT	US
	Verizon Communications Inc NYSE:VZ	US

	Franklin Covey Co NYSE:FC	36.7613 USD -0.97%
	Mohawk Industries Inc NYSE:MHK	118.82 USD -0.7%
	Ardmore Shipping Corp NYSE:ASC	11.89 USD -0.67%
	ASGN Inc NYSE:ASGN	83.63 USD -1.55%
	Skyworks Solutions Inc NASDAQ:SWKS	90.01 USD -0.45%
	Weatherford International PLC NASDAQ:WFRD	68.47 USD 0.65%

	Johnson & Johnson NYSE:JNJ	145.05 USD -0.36%
	Bank of America Corp NYSE:BAC	44.34 USD -0.47%
	Mastercard Inc NYSE:MA	532.2 USD -0.74%
	Salesforce Inc NYSE:CRM	338.145 USD -1.05%
	Abbvie Inc NYSE:ABBV	178.73 USD -0.26%
	Home Depot Inc NYSE:HD	393.78 USD -0.34%

	Arista Networks Inc NYSE:ANET	113.03 USD -1.59%
	Visa Inc NYSE:V	318.66 USD -0.7%
	Texas Pacific Land Corp NYSE:TPL	1 149.24 USD -1.52%
	KLA Corp NASDAQ:KLAC	640.8 USD -1.19%
	Manhattan Associates Inc NASDAQ:MANH	275.19 USD -1.47%
	Pinduoduo Inc NASDAQ:PDD	97.45 USD -1.44%

Kruk SA
WSE:KRU

Relative Value

Valuation Multiples

Multiples Across Competitors

KRU Competitors Multiples
Kruk SA Competitors

See Also

Company

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52 Week Range	408.2 483
Price Target

Kruk SA WSE:KRU

Relative Value

Valuation Multiples

Multiples Across Competitors

KRU Competitors Multiples Kruk SA Competitors

See Also

Company

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Tools

Stocks

Kruk SA
WSE:KRU

KRU Competitors Multiples
Kruk SA Competitors