K

Kruk SA
WSE:KRU

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Kruk SA
WSE:KRU
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Price: 439 PLN 0.05%
Market Cap: 8.5B PLN
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Intrinsic Value

The intrinsic value of one KRU stock under the Base Case scenario is 655.75 PLN. Compared to the current market price of 439 PLN, Kruk SA is Undervalued by 33%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

KRU Intrinsic Value
655.75 PLN
Undervaluation 33%
Intrinsic Value
Price
K
Worst Case
Base Case
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Kruk SA

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
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Balance Sheet Decomposition
Kruk SA

Current Assets 262.2m
Cash & Short-Term Investments 181m
Receivables 69.6m
Other Current Assets 11.6m
Non-Current Assets 10B
Long-Term Investments 9.1B
PP&E 80.4m
Intangibles 72.5m
Other Non-Current Assets 659.6m
Current Liabilities 559.5m
Accounts Payable 187.2m
Accrued Liabilities 10.9m
Other Current Liabilities 361.4m
Non-Current Liabilities 5.6B
Long-Term Debt 5.2B
Other Non-Current Liabilities 310.2m
Efficiency

Earnings Waterfall
Kruk SA

Revenue
2.8B PLN
Operating Expenses
-800.8m PLN
Operating Income
2B PLN
Other Expenses
-913.8m PLN
Net Income
1.1B PLN

Free Cash Flow Analysis
Kruk SA

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

KRU Profitability Score
Profitability Due Diligence

Kruk SA's profitability score is 61/100. The higher the profitability score, the more profitable the company is.

Exceptional 3-Year Average ROE
Positive Operating Income
Positive Net Income
Exceptional 3-Years Revenue Growth
61/100
Profitability
Score

Kruk SA's profitability score is 61/100. The higher the profitability score, the more profitable the company is.

KRU Solvency Score
Solvency Due Diligence

Kruk SA's solvency score is 32/100. The higher the solvency score, the more solvent the company is.

Long-Term Solvency
Average D/E
Average Altman Z-Score
Short-Term Solvency
32/100
Solvency
Score

Kruk SA's solvency score is 32/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

KRU Price Targets Summary
Kruk SA

Wall Street analysts forecast KRU stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for KRU is 550.52 PLN with a low forecast of 515.1 PLN and a high forecast of 614.25 PLN.

Lowest
Price Target
515.1 PLN
17% Upside
Average
Price Target
550.52 PLN
25% Upside
Highest
Price Target
614.25 PLN
40% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
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Growth 10Y
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0
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Shareholder Yield

Current shareholder yield for KRU is .

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Buyback Yield
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Debt Paydown Yield
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Profile

Kruk SA

Country

Poland

Industry

Financial Services

Market Cap

8.5B PLN

Dividend Yield

4.1%

Description

KRUK SA engages in the provision of debt collection services, and in the purchase of debt portfolios and credit management. The company is headquartered in Wroclaw, Woj. Dolnoslaskie and currently employs 3,274 full-time employees. The company went IPO on 2011-05-10. The firm is a multi-operator, which offers loss prevention and debt collection services. The firm divides its business into two main operating segments: Debt Purchase, including acquisition of non-performing debt portfolios, and Debt Collection Outsourcing, offering fee-based collection of debt on client’s behalf, focused on consumer and corporate loans. The firm provides services to financial institutions and large corporate customers. The company manages receivables of banks, credit intermediaries, leasing companies and digital platform providers, among others. The Company’s operating activities concentrate in a number of countries, such as Poland, Romania, Czech Republic, Slovakia and Spain. The firm's subsidiaries include Kruk Deutschland GmbH, Presco Investments Sarl and Espand Soluciones de Gestion y Recuperacion de Deuda SL, among others.

Contact

WOJ. DOLNOSLASKIE
Wroclaw
ul. Wolowska 8
+48717902800.0
pl.kruk.eu

IPO

2011-05-10

Employees

3 274

Officers

President of the Management Board & CEO
Mr. Piotr Krupa
CFO & Member of the Management Board
Mr. Michal Zasepa
Chief Investment Officer & Member of the Management Board
Ms. Urszula Okarma
COO & Member of the Management Board
Mr. Piotr Kowalewski
Member of Management Board and Chief Data & Technology Officer
Mr. Adam Lodygowski
Investor Relations & Business Development Manager
Mr. Damian Babka

See Also

Discover More
What is the Intrinsic Value of one KRU stock?

The intrinsic value of one KRU stock under the Base Case scenario is 655.75 PLN.

Is KRU stock undervalued or overvalued?

Compared to the current market price of 439 PLN, Kruk SA is Undervalued by 33%.

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