Kruk SA KRU
About Quantitative Ratings
Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.
Trading Information
- Previous Close Price
- —
- Day Range
- —–—
- 52-Week Range
- —–—
- Bid/Ask
- — / —
- Market Cap
- —
- Volume/Avg
- — / —
Key Statistics
- Price/Earnings (Normalized)
- 6.63
- Price/Sales
- 4.76
- Dividend Yield (Trailing)
- 3.95%
- Dividend Yield (Forward)
- 3.95%
- Total Yield
- 4.09%
Company Profile
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.
- Sector
- Financial Services
- Industry
- Credit Services
- Stock Style Box
- Small Core
- Total Number of Employees
- 3,414
- Website
- https://www.pl.kruk.eu
Comparables
Valuation
|
Metric
|
KRU
|
HOFI
|
AGO
|
|---|---|---|---|
Price/Earnings (Normalized) | 6.63 | 8.01 | 6.63 |
Price/Book Value | 2.04 | 1.00 | 0.76 |
Price/Sales | 4.76 | 1.60 | 4.43 |
Price/Cash Flow | 8.67 | 1.97 | 59.66 |
Price/Earnings
KRU
HOFI
AGO
Financial Strength
|
Metric
|
KRU
|
HOFI
|
AGO
|
|---|---|---|---|
Quick Ratio | 4.32 | — | — |
Current Ratio | 4.40 | — | — |
Interest Coverage | — | — | 8.52 |
Quick Ratio
KRU
HOFI
AGO
Profitability
|
Metric
|
KRU
|
HOFI
|
AGO
|
|---|---|---|---|
Return on Assets (Normalized) | 12.27% | 2.66% | 4.93% |
Return on Equity (Normalized) | 30.00% | 18.37% | 12.79% |
Return on Invested Capital (Normalized) | 12.75% | — | 10.89% |
Return on Assets
KRU
HOFI
AGO
Credit Services Industry Comparables
|
Ticker
|
Name
|
Morningstar Rating for Stocks
|
Capital Allocation
|
Economic Moat
|
Market Cap
|
|---|---|---|---|---|---|
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AXP
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PYPL
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COF
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DFS
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SYF
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ALLY
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SOFI
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WU
| The Western Union Co | Qwfsywh | Ysgmdl | $4.3 Bil |