K

Kruk SA
WSE:KRU

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Kruk SA
WSE:KRU
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Price: 420 PLN 0.33% Market Closed
Market Cap: 8.1B PLN
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Intrinsic Value

The intrinsic value of one KRU stock under the Base Case scenario is 648.66 PLN. Compared to the current market price of 420 PLN, Kruk SA is Undervalued by 35%.

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

KRU Intrinsic Value
648.66 PLN
Undervaluation 35%
Intrinsic Value
Price
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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

Economic Moat
Kruk SA

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Financials
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Balance Sheet Decomposition
Kruk SA

Current Assets 262.5m
Cash & Short-Term Investments 178.4m
Receivables 73.3m
Other Current Assets 10.8m
Non-Current Assets 10.6B
Long-Term Investments 9.7B
PP&E 90.4m
Intangibles 73.1m
Other Non-Current Assets 639.3m
Current Liabilities 490.2m
Accounts Payable 148.5m
Accrued Liabilities 11.1m
Other Current Liabilities 330.6m
Non-Current Liabilities 5.9B
Long-Term Debt 5.6B
Other Non-Current Liabilities 331.3m
Efficiency

Earnings Waterfall
Kruk SA

Revenue
3B PLN
Operating Expenses
-753m PLN
Operating Income
2.2B PLN
Other Expenses
-1.1B PLN
Net Income
1.2B 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
23% Upside
Average
Price Target
550.52 PLN
31% Upside
Highest
Price Target
614.25 PLN
46% Upside
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Dividends

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Dividend Per Share
N/A
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0
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Shareholder Yield

Current shareholder yield for KRU is .

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Profile

Kruk SA

Country

Poland

Industry

Financial Services

Market Cap

8.1B PLN

Dividend Yield

4.29%

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

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

The intrinsic value of one KRU stock under the Base Case scenario is 648.66 PLN.

Is KRU stock undervalued or overvalued?

Compared to the current market price of 420 PLN, Kruk SA is Undervalued by 35%.

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