Intrum AB (ITJTY)
OTHER OTC:ITJTY
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Intrum AB
(OTC:ITJTY)
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Rating:46Neutral
Price Target:
$2.00
▼(-60.55% Downside)
Action:Reiterated
Date:05/14/26
Overall score is held down primarily by weak financial quality (ongoing net losses and high leverage) and a clear bearish technical trend. The earnings call provides some offset via a credible deleveraging and cost-reduction plan with signs of operational improvement, but valuation support is limited while profitability remains negative.
Positive Factors
Cash generation
Sustained positive operating and free cash flow provide durable coverage for interest and maturities, supporting deleveraging and selective reinvestment. Strong cash conversion relative to accounting losses increases resilience versus cyclical downturns and funds strategic flexibility.
Negative Factors
Elevated leverage
High leverage materially limits financial flexibility and amplifies refinancing risk given sizeable nominal debt (~SEK45bn). With negative net income, debt servicing relies more on cash flow; adverse funding or rate moves could constrain investing and prolong deleveraging timelines.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Sustained positive operating and free cash flow provide durable coverage for interest and maturities, supporting deleveraging and selective reinvestment. Strong cash conversion relative to accounting losses increases resilience versus cyclical downturns and funds strategic flexibility.
Read all positive factors
Intrum AB (ITJTY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$292.56M
Dividend YieldN/A
Average Volume (3M)0.00
Price to Earnings (P/E)―
Beta (1Y)0.81
Revenue Growth8.42%
EPS Growth43.55%
CountryUS
Employees9,664
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-13.51
Shares Outstanding136,245,470
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)0.44
Price to Sales (P/S)0.30
P/FCF Ratio1.11
Enterprise Value/Market Cap157.41
Enterprise Value/Revenue2.73
Enterprise Value/Gross Profit3.89
Enterprise Value/Ebitda13.50
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Intrum AB Business Overview & Revenue Model
Company Description
Intrum AB (publ), together with its subsidiaries, provides credit management and financial services in Europe and internationally. The company offers credit optimization services, including credit monitoring, credit decision, factoring, and credit...
How the Company Makes Money
Intrum makes money mainly through two broad models: (1) fee-based credit management services for clients and (2) returns from investing in receivables/NPL portfolios.
1) Fee-based credit management and collection services (service revenue)
- Intr...
Intrum AB Earnings Call Summary
Earnings Call Date:Jan 29, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Jul 23, 2026
Earnings Call Sentiment Positive
The call presented a balanced mix of tangible progress and credible strategic direction alongside near-term headwinds. Positive operational traction includes improved leverage versus a year ago, substantial cost reduction (SEK ~1.6bn annualized), elevated servicing margins (31% Q4), strong investing IRRs (18–20% on recent deals), and concrete 2030 targets (3x servicing leverage, 30–35% servicing EBIT margin, SEK 10–11bn cost base). Countering this are notable one-time impairments (goodwill ~SEK 2.9bn), FX-driven revenue declines (income down ~7% YoY; investing income down 11% YoY; Q4 investing -17% YoY), a smaller investment book and near-term constrained investing, and remaining refinancing/maturity and execution risks. Overall, the company is executing a credible plan to de-risk and transform the business, with clear milestones and evidence of operational improvements, though success hinges on execution, FX/funding-cost trends, and managing near-term impairments and maturities.Positive Updates
Leverage Improvement and Deleveraging Actions
Leverage ratio improved year-on-year from 5.3x to 4.8x; company pursuing deleveraging and balance-sheet strengthening including announced January '26 sale of remaining Brocc JV stake (expected positive impact on leverage) and plan to reduce net debt by SEK 10–15 billion toward 2030 (with ~SEK 4 billion from 2027 maturities anticipated).
Negative Updates
Goodwill and Tax Asset Write-Downs
Goodwill impairment recorded at SEK 2.9 billion (preannounced SEK 3.1 billion); additional tax asset write-downs were taken as part of the year-end review, creating one-time P&L/headline impacts.
Read all updates
Q4-2025 Updates
Positive
Negative
Leverage Improvement and Deleveraging Actions
Leverage ratio improved year-on-year from 5.3x to 4.8x; company pursuing deleveraging and balance-sheet strengthening including announced January '26 sale of remaining Brocc JV stake (expected positive impact on leverage) and plan to reduce net debt by SEK 10–15 billion toward 2030 (with ~SEK 4 billion from 2027 maturities anticipated).
Read all positive updates
Company Guidance
The guidance emphasized a clear near‑term focus on deleveraging and derisking with three financial targets: reach ~3x net leverage (measured as net debt after excluding 80% LTV of the investing book), cut underlying costs (SEK 12.3bn in 2025) by ~5% in 2026 and to SEK 10–11bn by 2030, and lift servicing EBIT margin to 30–35% by 2030. Management expects to reduce nominal debt (~SEK 45bn today) by SEK 10–15bn to 2030 (about SEK 4bn of that from 2027 maturities), use cash to repay the EUR 370m second‑lien in 2027, and keep portfolio investment volumes limited in 2026 (replacement investments ~SEK 2.5–3bn). Near‑term operating guidance assumes servicing income largely flat in 2026 (FX headwind: SEK krona ≈ +5% vs EUR), while continuing to extract value from investing (collection index >100%, now ~109% vs forecast); Q4 highlights included a 31% servicing margin (quarter), SEK 436m of Q4 investments at 18% IRR (SEK 1.2bn for 2025 at 20% IRR), ERC SEK 46bn, a SEK 2.9bn goodwill write‑down, pipeline SEK 2bn entering 2026, FTEs ~8,500 (≈6,000 in operations), automation <10%, and the expectation that initial margin gains will come mainly from cost‑outs (SEK ~1.6bn annual cost reduction observed) with scalable revenue upside from cross‑selling and new segments (management cites ~SEK 0.5bn–2.0bn+ upside by 2030 by penetrating white‑space and adjacent services).Intrum AB Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
35
Negative
Cash Flow
62
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 16.87B | 15.84B | 18.03B | 19.85B | 19.13B | 17.79B |
| Gross Profit | 11.84B | 11.18B | 7.82B | 10.19B | 10.12B | 8.23B |
| EBITDA | 3.41B | 9.08B | 9.46B | 6.04B | 2.48B | 7.93B |
| Net Income | -1.88B | -1.43B | -3.70B | -188.00M | -4.47B | 3.13B |
Balance Sheet | ||||||
| Total Assets | 70.49B | 65.47B | 77.54B | 90.21B | 88.71B | 88.91B |
| Cash, Cash Equivalents and Short-Term Investments | 3.39B | 2.57B | 2.39B | 3.62B | 3.43B | 4.55B |
| Total Debt | 46.47B | 44.42B | 51.41B | 60.48B | 57.23B | 53.31B |
| Total Liabilities | 55.57B | 52.69B | 62.07B | 71.28B | 67.51B | 64.22B |
| Stockholders Equity | 13.31B | 10.85B | 13.39B | 16.75B | 18.54B | 21.70B |
Cash Flow | ||||||
| Free Cash Flow | 4.14B | 4.27B | 3.83B | 4.96B | 4.63B | 9.71B |
| Operating Cash Flow | 4.24B | 4.30B | 4.42B | 5.31B | 4.99B | 10.04B |
| Investing Cash Flow | -1.43B | -1.47B | 9.20B | -2.56B | -1.63B | -8.01B |
| Financing Cash Flow | -2.65B | -2.31B | -15.29B | -2.26B | -4.88B | 401.00M |
Intrum AB Technical Analysis
Negative
5.07
Price Trends
3.47
Negative
4.13
Negative
4.42
Negative
Market Momentum
-0.47
Negative
30.68
Neutral
63.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ITJTY, the sentiment is Negative. The current price of 5.07 is above the 20-day moving average (MA) of 2.39, above the 50-day MA of 3.47, and above the 200-day MA of 4.42, indicating a bearish trend. The MACD of -0.47 indicates Negative momentum. The RSI at 30.68 is Neutral, neither overbought nor oversold. The STOCH value of 63.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ITJTY.
Intrum AB Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $188.01M | 0.21 | 13.36% | 8.74% | 5.56% | -27.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $118.78M | 7.49 | 0.54% | 10.37% | -1.41% | -98.13% | |
51 Neutral | $582.03M | -2.02 | -26.42% | ― | 12.38% | -498.81% | |
46 Neutral | $292.56M | -1.36 | -0.01% | ― | 8.42% | 43.55% | |
| ― | $1.30B | -3.69 | -67.58% | ― | 75.04% | -679.87% |
* Financial Sector Average
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.