Intrum AB (INTRUM) Fair Value & Analysis
Financial Services · SE · Market cap 10.4B SEK
Fair value as of: Jul 16, 2026
From 13 valuation models · updated today
Fair value updated Jul 16, 2026, revised from kr 43.83 to kr 9.30 (−78.8%) since Jun 24, 2026. Share price −2.2% over the past month.
Price vs Fair Value (12 months)
12‑month range kr 3.15 – kr 72.96 · fair‑value band kr 3.72 – kr 14.87 · the kr 3.23 price screens below the kr 9.30 fair value. As of Jul 16, 2026.
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Intrum AB (INTRUM) currently trades at kr 3.23, while our model-based Fair Value estimate is kr 9.30, implying the stock looks roughly 187.9% undervalued today. We read business quality at 36/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Over the trailing twelve months, Intrum AB generated revenue of 16.5B SEK at a net margin of -11.5%. Revenue declined 12.2% year over year. It earns a return on equity of -10.8%. Net debt stands at 41.4B SEK. Fundamentals as of Jul 16, 2026
Our scenario range runs from kr 3.72 (bear case) to kr 14.87 (bull case); at kr 3.23, the current price sits below that range. For context, the median of 10 Financial Services peers we cover trades at -20% fair-value upside, at 188%, INTRUM screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 16, 2026. TTM = trailing twelve months.
About the company
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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Intrum AB reported revenue of kr 17.0B in FY2025 versus kr 17.8B in FY2021, a compound −1.1%/yr. Reported net income was −kr 1.4B in FY2025.
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Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $326.60 | $203.53 | -38% |
| Mastercard Incorporated MA | $491.08 | $280.17 | -43% |
| M4I M4I | €430.50 | €367.81 | -15% |
| American Express Company AXPB34 | R$162.36 | R$107.80 | -34% |
| Capital One Financial Corporation COF | 3,151 MXN | 2,512 MXN | -20% |
| Bajaj Finance Limited BAJFINANCE | ₹968.30 | ₹720.78 | -26% |
| PayPal Holdings PYPL34 | R$10.53 | R$17.14 | +63% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,719 | ₹1,625 | -5% |
| Tata Capital Limited TATACAP | ₹363.65 | ₹229.85 | -37% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.