Kruk SA is the leader in the debt collection industry. It manages debts purchased on its own account and contracted by third parties. The group manages bank debt (the main client category), debts owed to loan brokers, insurance companies, leasing firms, fixed-line and mobile phone operators, cable TV companies, digital TV platforms and FMCG companies. The Group manages debt in three segments consumer debts, mortgage debts and corporate debts. Consumer debts include retail and unsecured. Mortgage debts include retail, and secured. Corporate debts include mortgage-backed and non-mortgage-backed. Geographically the company operates in segments Poland, Romania, Italy, Spain, and Other foreign markets.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.56
Equity-to-Asset	0.41
Debt-to-Equity	1.33
Debt-to-EBITDA	5.17
Interest Coverage	106.75
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.14	Distress Grey Safe
Beneish M-Score	-1.58	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	13.5
	3-Year EBITDA Growth Rate	53.6
	3-Year EPS without NRI Growth Rate	124.1
	3-Year Book Growth Rate	22.2
	Future 3-5Y EPS without NRI Growth Rate Estimate	10.34
	Future 3-5Y Total Revenue Growth Rate Estimate	23.49

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	47.43
	9-Day RSI	47.95
	14-Day RSI	48.09
	6-1 Month Momentum %	-3.48
	12-1 Month Momentum %	-5.66

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	5.61
	Quick Ratio	5.59
	Cash Ratio	5.43
	Days Inventory	5.07
	Days Sales Outstanding	3.74
	Days Payable	49.68

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.2
	Dividend Payout Ratio	0.33
	Forward Dividend Yield %	4.2
	5-Year Yield-on-Cost %	4.2
	3-Year Average Share Buyback Ratio	-0.5
	Shareholder Yield %	-11.03

Profitability Rank

10/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	52.03
	Operating Margin %	53.01
	Net Margin %	57.25
	FCF Margin %	-11.3
	ROE %	29.37
	ROA %	11.83
	ROIC %	15.22
	3-Year ROIIC %	22.41
	ROC (Joel Greenblatt) %	1213.71
	ROCE %	11.47
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.4
	Forward PE Ratio	7.37
	PE Ratio without NRI	7.77
	Shiller PE Ratio	13.89
	PEG Ratio	0.29
	PS Ratio	4.23
	PB Ratio	1.89
	Price-to-Tangible-Book	1.91
	EV-to-EBIT	10.17
	EV-to-EBITDA	9.61
	EV-to-Revenue	5.26
	EV-to-FCF	-46.61
	Price-to-Projected-FCF	8.8
	Price-to-DCF (Earnings Based)	0.33
	Price-to-Median-PS-Value	0.9
	Price-to-Peter-Lynch-Fair-Value	0.31
	Price-to-Graham-Number	0.81
	Earnings Yield (Greenblatt) %	9.83
	FCF Yield %	-2.83
	Forward Rate of Return (Yacktman) %	17.84

GF Value: zł573.14

WAR:KRU

Warning Signs

Warning! GuruFocus detected 3 Severe warning signs with KRU. Try a 7-Day Free Trial to check it out.

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