KRUK Spólka Akcyjna, (KRU) Fair Value & Analysis

Financial Services · PL · Market cap 8.2B PLN

A solid business, screening 37% undervalued on our models.

What matters now

• The model range is unusually wide (391.95 PLN to 1,320 PLN). The outcome hinges heavily on assumptions, so read the point estimate with caution.
• Solid quality (60/100) 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 Jul 17, 2026.

How to read this chart

60‑month range 139.36 PLN – 481.48 PLN · fair‑value band 391.95 PLN – 1,320 PLN · the 430.40 PLN price screens below the 589.90 PLN fair value. Dashed = 300-day average. As of Jul 17, 2026.

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Analysis

KRUK Spólka Akcyjna, (KRU) currently trades at 430.40 PLN, while our model-based Fair Value estimate is 589.90 PLN, implying the stock looks roughly 37.1% undervalued today. The Quality Score stands at 60/100 (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: high), always confirm before acting.

Over the trailing twelve months, KRUK Spólka Akcyjna, generated revenue of 2.6B PLN at a net margin of 42.0%. Revenue grew 10.7% year over year. It earns a return on equity of 21.1%. Net debt stands at 6.9B PLN. Fundamentals as of Jul 17, 2026

Our scenario range runs from 391.95 PLN (bear case) to 1,320 PLN (bull case); at 430.40 PLN, 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. The share trades about 12% below its 52-week high and 25% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 37%, KRU 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: Earnings-Based (1,039 PLN) versus Growth DCF (12.06 PLN). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, France, Germany, and Spain. The company operates through three segments: Consumer Debts, Mortgage Debts, and Corporate Debts.

Full company description

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, France, Germany, and Spain. The company operates through three segments: Consumer Debts, Mortgage Debts, and Corporate Debts. It offers credit management services, including receivables management services to banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and companies from the FMCG sector. The company also purchases and manages debt portfolios, including consumer, mortgage, and corporate debts. In addition, it offers consumer unsecured, mortgage, and SME/corporate loans. Further, the company provides auxiliary services to small and medium-sized enterprises. Additionally, the company engages in the acquisition and management of real estate properties; purchase of farmland; and IT and software development; and in law firm related activities. KRUK Spólka Akcyjna was founded in 1998 and is headquartered in Wroclaw, Poland.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

KRUK Spólka Akcyjna, reported revenue of 2.5B PLN in FY2025 versus 1.2B PLN in FY2021, a compound +20.6%/yr. Reported net income was 1.1B PLN in FY2025, compounding +11.8%/yr from FY2021.

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Peer Group

Credit Services · 333 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.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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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.