Kruso Kapital Updates 2025 Accounts and Flags Growth Amid Rising Costs

Kruso Kapital S.P.A. ( (IT:KK) ) has issued an update.

Kruso Kapital’s board has approved a new draft of its separate and consolidated financial statements for the year ended 31 December 2025, following discussions with parent company Banca Sistema on the accounting treatment of personnel change-of-control costs linked to the CF+ offer on Banca Sistema. The group reported 2025 net profit of €7.5 million at the parent level and €8.8 million on a consolidated basis, with earnings slightly higher than previously approved figures and a robust Total Capital Ratio of 29.65% on risk-weighted assets of €87.7 million.

The board will ask shareholders on 22 April 2026 to allocate 5% of net profit to the legal reserve and the remainder to retained earnings, reinforcing the company’s capital base instead of distributing dividends. Looking ahead, Kruso Kapital anticipates stable profitability as interest rates level off, a gradual rise in funding costs due to diversified funding strategies, strong but volatile gold prices, growth in pawn lending in Italy, Greece and Portugal, and higher extraordinary and structural costs stemming from the CF+ takeover, while noting that forthcoming CRR3 rules would materially reduce its capital ratio although their application is not expected before end-2026.

More about Kruso Kapital S.P.A.

Kruso Kapital S.p.A. operates in the financial services sector and is part of the Banca Sistema group, with a business focused on pawn credit and gold-backed lending in markets such as Italy, Greece and Portugal. The company’s activity is sensitive to interest-rate dynamics, funding costs and gold price volatility, which shape its profitability and capital requirements.

Average Trading Volume: 21,006

Technical Sentiment Signal: Sell

Current Market Cap: €39.87M

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