Intrum Justitia AB (INTRUM) Fair Value & Analysis

Financial Services · SE · Market cap 10.4B SEK (≈ $1.1B) · ISIN SE0000936478

A solid business, trading 58% below our fair value.

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

• The model range is unusually wide (kr 3.72 to kr 14.87). 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 (52/100) 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.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 21, 2026.

How to read this chart

60‑month range kr 2.99 – kr 279.36 · fair‑value band kr 3.72 – kr 14.87 · the kr 3.90 price screens below the kr 9.30 fair value. Dashed = 300-day average. As of Aug 21, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

Intrum Justitia AB (INTRUM) currently trades at kr 3.90, while our model-based Fair Value estimate is kr 9.30, implying the stock looks roughly 138.5% undervalued today. The Quality Score stands at 52/100 (solid 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: low), always confirm before acting.

Over the trailing twelve months, Intrum Justitia 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 Aug 21, 2026

Our scenario range runs from kr 3.72 (bear case) to kr 14.87 (bull case); at kr 3.90, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -48% fair-value upside, at 138%, INTRUM screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: DCF Models (kr 11.98) versus Growth DCF (kr 2.17). Highest evidence: FCF DCF (73).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Intrum Justitia 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.

Watch INTRUM: get an alert when its fair value changes →

Peer Group

Credit Services · 338 stocks

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.

Valuation Multiples vs Credit Services median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Insider activity: 35/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 21, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Discover undervalued stocks

Pick a strategy and jump into the live analysis with that exact screen applied.

Discover tools

Frequently asked questions

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.