Kruk S.A. (KRU) Stock Price, Fundamentals & Analysis

What KRU does

Kruk S.A. (KRU) is a Financial Services company operating in the Credit Services industry, listed on the Warsaw Stock Exchange and headquartered in Wroclaw, Poland. The company, together with its subsidiaries, manages debt across Poland, Romania, Italy, the Czech Republic, Slovakia, France, Germany, and Spain, operating through three segments: Consumer Debts, Mortgage Debts, and Corporate Debts. It provides receivables management services to banks, loan brokers, insurers, leasing companies, telecommunications operators, cable TV operators, digital TV operators, and FMCG companies, and also purchases and manages debt portfolios. Beyond debt management, Kruk offers consumer unsecured, mortgage, and SME/corporate loans, auxiliary services to SMEs, real estate and farmland acquisition, IT and software development, and law firm-related activities. Founded in 1998 and based in Wroclaw, Poland, it is comparable to peers such as Alior Bank (ALR), mBank (MBK), and PZU SA (PZU) on the Warsaw exchange.

Key numbers explained

• Price and daily move: Kruk S.A. trades at 382 PLN, down -0.96% today.
• Market cap: 7.47B PLN.
• Valuation multiples: The trailing P/E ratio is 7.5, and the forward P/E ratio (based on expected earnings) is 6.6. The price-to-book ratio is 1.35.
• Earnings and profitability: Earnings per share (trailing 12 months) are 51.04 PLN, with a profit margin of 39.6% and an operating margin of 81.3%. The return on equity is 20.5%.
• Income distribution: The dividend yield is 5.24%, with an ex-dividend date of May 29, 2026, and 74% of earnings are paid out as dividends.
• Risk metrics: The beta is 0.34, indicating lower volatility than the market. The 52-week price range is 377.8 – 510, with a one-year price change of -17%.
• Revenue: Trailing 12-month revenue is 2.66B PLN, with a year-over-year revenue growth of 9.2%.
• Leverage: The debt-to-equity ratio is 136.1%.
• Next earnings date: October 27, 2026.

What to watch

• Market and sector dynamics: As a credit services firm, Kruk's performance is tied to debt market conditions, interest rates, and economic cycles affecting borrower repayment behavior.
• Geographic exposure: Operations across multiple European countries (Poland, Romania, Italy, Czech Republic, Slovakia, France, Germany, Spain) expose it to varying regulatory and economic environments.
• Comparable companies: Peers on the Warsaw Stock Exchange include Alior Bank (ALR), mBank (MBK), and PZU SA (PZU), which operate in related financial services sectors.
• Revenue trajectory: Year-over-year revenue growth of 9.2% suggests ongoing expansion, though the -17% one-year price change indicates market headwinds.
• Dividend profile: A 5.24% dividend yield with a 74% payout ratio signals a significant income component but also limits retained earnings for reinvestment.