Added to YB: 2026-07-20
Pitch date: 2026-07-16
KRU.WA [neutral]
KRUK Spólka Akcyjna
Author Info
Undervalued and undercovered searches for undervalued stocks with little coverage. Sign up for the newsletter.
Company Info
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.
Market Cap
PLN 8.2B
Pitch Price
N/A
Price Target
N/A
Dividend
4.29%
EV/EBITDA
7.17
P/E
7.87
EV/Sales
5.82
Sector
Consumer Finance
Category
value
The NPL Industry: Left for Dead, Antifragile, and Cheap. High Uncorrelated Returns? - KRUK Spólka Akcyjna
KRU.WA (overview): Polish NPL debt collector, ~20% ROE for 15 straight yrs. FY25 record net profit PLN1.09B, cash EBITDA PLN2.67B (+12%), recoveries PLN3.92B (+11%). 60% foreign, 91% unsecured retail, 45% Polish share. Trades 7.5x earnings, 1.5x book, 5%+ yield. Risk: vintage IRR fading 22.7%→20.9% as NPL competition rises.
Read full article (2 min)