Intrum AB (INJJF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Intrum AB $0.39, price $0.30, upside +32.4%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Intrum AB for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.2948 – $1,000,000 · fair‑value band $0.1800 – $0.6504 · the $0.2958 price screens below the $0.3917 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Intrum AB (publ), together with its subsidiaries, provides payment solutions, and credit and collection services in Europe and internationally. It operates in two segments, Servicing and Investing.
Show more
Intrum AB (publ), together with its subsidiaries, provides payment solutions, and credit and collection services in Europe and internationally. It operates in two segments, Servicing and Investing. The company offers invoicing and payment services, including reminder, invoice, and accounts receivable management services; debt recovery and purchase services; credit optimization comprising credit monitoring, decisioning, and information services; debt collection; e-commerce; financial; and collateral services. It also provides Ophelos, a platform for AI debt collection and machine learning technologies, smart communications, and vulnerability detection. The company operates in Norway, Sweden, Denmark, Finland, Austria, Germany, Belgium, Netherlands, Switzerland, France, the United Kingdom, Ireland, Portugal, Spain, Italy, Greece, Czech Republic, Slovakia, Hungary, and Poland. Intrum AB (publ) was founded in 1923 and is based in Stockholm, Sweden.
Stock analysis
Intrum AB (INJJF) currently trades at $0.2958, while our model-based Fair Value estimate is $0.3917, implying the stock looks roughly 24.5% undervalued today.
Show more
Valuation
Bull case: the Growth DCF group reads highest at a median of $2.03 per share, and 3 of the 3 models we run sit above the $0.2958 price.
Bear case: the Asset-Based group reads lowest at $1.07, and 0 of the 3 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.1800 (bear) to $0.6504 (bull), the price of $0.2958 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Intrum AB reported revenue of 15.8B SEK in FY2025 versus 17.8B SEK in FY2021, a compound −2.9%/yr. Reported net income was −1.4B SEK in FY2025.
Key figures
Market cap $347M · EPS (TTM) $−0.1200 · Net margin −9.0% · Return on equity −10.8% · Return on assets (EBIT) 5.4% · Revenue (TTM) 17.5B SEK · Revenue growth (YoY) −12.2% · EPS growth (YoY) −95.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 95% below its 52-week high and at its 52-week low.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 32%, INJJF screens cheaper than that median.
Fair Value models
Bear $0.1800Fair Value $0.3917Bull $0.6504
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.25/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−12.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−6.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.3%
Start year 2020 (pandemic). Over 10 years: +10.9% a year
Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.9%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
27.8% (2020) → 20.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 329 stocks
Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside+35.0% · Above median
Profitability
Return on assets5.1% · Top 25%
Net margin (TTM)−11.5% · Bottom 25%
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth−12.2% · Bottom 25%
Balance sheet
Debt / equity3.98× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Intrum AB Fair Value". https://www.fairvalue-calculator.com/stock/INJJF
Frequently asked questions
Is Intrum AB (INJJF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.3917 versus the last price from Sep 25, 2026 of $0.2958, about +32% upside (undervalued).
What is the fair value of INJJF?
Our model-based fair value for Intrum AB is $0.3917 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.2958.
What is the quality score of INJJF?
Intrum AB has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Intrum AB (INJJF)?
Our model-based price target is the fair value of $0.3917 (as of Sep 24, 2026) from 3 valuation models. Cautious scenario $0.1800, optimistic scenario $0.6504. It is a calculation from audited fundamentals, not an analyst target.
What is the Intrum AB stock forecast for 2026?
Our models put fair value at $0.3917, about +32% upside versus the last price from Sep 25, 2026 of $0.2958 (undervalued). Cautious scenario $0.1800, optimistic scenario $0.6504. The calculation is refreshed regularly with new filings.
What is the revenue of Intrum AB (INJJF)?
Intrum AB reported trailing-twelve-month revenue of about 17.5B SEK (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Intrum AB (INJJF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Intrum AB it is $0.3917 per share (as of Sep 24, 2026), against a price of $0.2958. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Intrum AB stock overvalued or undervalued in 2026?
As of Sep 24, 2026, INJJF trades below its calculated fair value: price $0.2958, fair value $0.3917, a gap of about +32% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of INJJF?
No. The price is what the market pays today ($0.2958); the fair value is what the company's own numbers justify ($0.3917). For Intrum AB the two are $0.0959 per share apart. That gap is exactly why we show both numbers side by side.
How much is Intrum AB worth?
The market values Intrum AB at about $347M (market capitalisation, as of Sep 24, 2026). Per share that is $0.2958; our models calculate a fair value of $0.3917 per share.
What do the bullish and bearish scenarios say about INJJF?
Our models span a range for Intrum AB: cautious scenario $0.1800, base $0.3917, optimistic $0.6504 per share (as of Sep 24, 2026, price $0.2958). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Intrum AB (INJJF)?
Balance-sheet figures for Intrum AB (as of Sep 24, 2026): return on equity −10.8%, debt of 3.98 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is INJJF from its 52-week high?
Intrum AB trades at $0.2958, about 95% below its 52-week high of $5.58 and at the low of $0.2948 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.3917 is for.
Which stocks are comparable to Intrum AB?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Intrum AB stock attractive at the current price?
The data as of Sep 24, 2026: price $0.2958, calculated fair value $0.3917 (+32%), Quality Score 57/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of INJJF calculated?
We run Intrum AB through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.3917, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Intrum AB currently trades 24 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Intrum AB (INJJF)?
The latest price we hold is from Sep 25, 2026 and stands at $0.2958. Our model-based fair value is $0.3917, about +32% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Intrum AB right now?
The model range is unusually wide ($0.1800 to $0.6504). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Intrum AB
How large is the market capitalisation of Intrum AB (INJJF)?
The market capitalisation of Intrum AB is $347M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of Intrum AB (INJJF)?
Earnings per share at Intrum AB are $−0.1200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Intrum AB (INJJF)?
The net margin of Intrum AB is −9.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Intrum AB (INJJF)?
The return on equity (ROE) of Intrum AB is −10.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Intrum AB (INJJF)?
On an EBIT basis the return on assets of Intrum AB is 5.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Intrum AB (INJJF)?
Revenue at Intrum AB is growing −12.2% versus a year earlier (3y avg −6.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Intrum AB (INJJF)?
Earnings per share at Intrum AB are growing −95.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Intrum AB (INJJF) generate?
The free cash flow of Intrum AB is 4.5B SEK (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Intrum AB (INJJF) carry?
The net debt of Intrum AB is 41.7B SEK (fiscal year 2025, ≈ 9.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Intrum AB in the live analysis
One click puts Intrum AB on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Thin data
Sep 24, 2026