KRUK Spólka Akcyjna (KRKKF)
NEUTRALFundamental
66
मूल्य
$440.20
मार्केट कैप
$8.44B
भाग 1 · कंपनी का मूल्य कितना है
अवलोकन
KRUK buys overdue consumer and small-business debt from banks, telecom operators and utilities at a steep discount to its face value, then spends years collecting on it through call centres, digital channels and legal proceedings, aiming to recover more than it paid plus its running costs. It also collects debt on behalf of third parties for a fee without owning the debt itself. It operates in Poland, Italy, Romania, Spain and several smaller markets.
यह पैसा कैसे कमाती है
Revenue comes mainly from cash collected on purchased debt portfolios, recognized over time under an amortized-cost accounting model rather than as a lump sum at purchase, plus fee income from servicing debt owned by other creditors. In 2025 the Group recovered PLN 3,920 million in cash, with Poland contributing about 40% of that, Italy about 25%, Romania about 18% and Spain about 14% — a mix the company reports as recoveries rather than as a formal revenue split by segment.
खरीदने के पक्ष में तर्क
Buyers argue that KRUK's long track record of collecting more than it forecasts when it buys a portfolio shows disciplined underwriting, that a debt-purchasing model scales well with more capital, and that a temporary pullback from the Spanish market shows the company is willing to walk away from mispriced deals rather than chase volume.
बेचने के पक्ष में तर्क
Sellers fear that a business built on buying distressed debt is inherently sensitive to how well collections actually perform against the price paid, that heavy reliance on a handful of markets such as Poland and Italy concentrates that risk, and that funding portfolio purchases depends on continued access to debt and capital markets on favorable terms.
Written by the editors, published on 18 अगस्त 2026
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बैलेंस शीट और तरलता
राजस्व
$2.99B
अंतिम प्रकाशित तिमाही तक के पिछले 12 महीने — प्रति शेयर मेट्रिक्स से अनुमानित
शुद्ध आय
$1.04B
अंतिम प्रकाशित तिमाही तक के पिछले 12 महीने — प्रति शेयर मेट्रिक्स से अनुमानित
Free Cash Flow
$343M
कुल इक्विटी
$5.65B
कुल देनदारियाँ
$7.41B
Current Ratio
1.50
Interest Coverage
-
Debt/EBITDA
3.56
Earnings Per Share
राजस्व और शुद्ध आय
Free Cash Flow
आय विवरण
ऐतिहासिक विवरण
समय के साथ मार्जिन
समय के साथ ऋण
ऋण कितना भारी है
वृद्धि तालिका
वृद्धि — राजस्व
Fair Value अनुमान
Fair Value
$945.82
वर्तमान मूल्य
$440.20
Margin of Safety
+53.5%
Fair Value सीमा
$614.78 - $1276.85
अनुमान विधियाँ
मूल्यांकन मेट्रिक्स
P/E Ratio
8.11
ROE
21.1%
P/B Ratio
1.50
P/FCF
24.58
Gross Margin
100.0%
ROIC
12.0%
लाभप्रदता Radar
Value Creation (Economic Moat)
ROIC
12.0%
WACC
4.3%
ROIC − WACC
+7.7 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental विश्लेषण मानदंड
पास (15)
- Price CAGR 5.89%
- ROIC 12.0%
- Gross Margin 100.0%
- P/FCF 24.58
- P/B Ratio 1.50
- Debt/Equity ratio
- Operating Margin 49.5%
- Positive Free Cash Flow
- Current Ratio
- Debt/EBITDA
- Price below Graham Number
- ROE 21.1%
- Revenue Growth 5Y 22.7%
- Analyst Consensus 88% Buy
- PEG Ratio 0.12
फेल (5)
- CapEx intensity
- DCF valuation (Overvalued)
- Earnings Quality (OCF/NI) -0.03
- Net Margin Trend 34.1% vs 37.1%
- Piotroski F-Score 0/9
अनुपलब्ध (7)
- EPS data insufficient
- Dividend Payout NaN%
- Interest Coverage
- Return on Tangible Assets
- Low reliance on intangibles
- Earnings Surprise (Finnhub)
- Share Dilution (missing shares data)
Piotroski F-Score
गंभीर वित्तीय चिंताएं
Earnings गुणवत्ता
निम्न गुणवत्ता: accounting की जांच करें
शेयर Dilution
शेयर वापस खरीद रही है। शेयरधारक अनुकूल
प्रशासन
कार्यकारी टीम
| नाम | पद | आयु |
|---|---|---|
| Mr. Piotr Krupa | President of the Management Board & CEO | - |
| Mr. Michal Zasepa | CFO & Member of the Management Board | - |
| Ms. Urszula Okarma | Chief Investment Officer & Member of the Management Board | - |
| Mr. Piotr Kowalewski | COO & Member of the Management Board | - |
| Mr. Adam Lodygowski | Member of Management Board and Chief Data & Technology Officer | - |
| Mr. Damian Babka | Investor Relations & Business Development Manager | - |
भाग 2 · कीमत और खरीदने का समय
यह हिस्सा यह नहीं बताता कि कंपनी अच्छी है या नहीं: यह तय करने में मदद करता है कि उसे कब खरीदें, जब फंडामेंटल आपको आश्वस्त कर चुके हों। इसमें: तकनीकी विश्लेषण, संभावना, ऐतिहासिक गिरावट, गामा एक्सपोज़र।
Latest News
Recent headlines for KRKKF, sourced from Markets Gazette.