Intrum AB (ITJTY) AI Stock Analysis

• Market Cap: $594.84M
• Dividend Yield: N/A
• Average Volume (3M): 0.00
• Price to Earnings (P/E): ―
• Beta (1Y): 1.07
• Revenue Growth: -2.97%
• EPS Growth: 98.46%
• Country: US
• Employees: 9,664
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.32
• Shares Outstanding: 136,245,470
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 0
• PEG Ratio: <0.01
• Price to Book (P/B): 0.24
• Price to Sales (P/S): 0.18
• P/FCF Ratio: 0.84
• Enterprise Value/Market Cap: 9.10
• Enterprise Value/Revenue: 0.32
• Enterprise Value/Gross Profit: 0.64
• Enterprise Value/Ebitda: 0.85
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 46 Neutral
• Price Target: $4.50 ▼(-11.24% Downside)

Intrum AB's overall stock score reflects significant financial challenges, including declining revenue, high leverage, and unprofitability, as indicated by the financial performance and valuation scores. Technical analysis suggests bearish momentum, although the stock is nearing oversold conditions. The earnings call highlighted some operational improvements, but these are overshadowed by financial difficulties and high leverage.

Intrum AB Business Overview & Revenue Model

Company Description

Intrum AB (ITJTY) is a leading European credit management services company headquartered in Stockholm, Sweden. The company specializes in providing solutions for credit management and financial services, helping businesses manage and collect their outstanding receivables. Intrum operates across several sectors, including financial institutions, healthcare, telecommunications, and utilities, offering comprehensive services such as debt collection, credit optimization, and portfolio management.

How the Company Makes Money

Intrum AB generates revenue through its core service offerings in credit management and financial services. The company earns money by providing debt collection services, where it charges fees for collecting outstanding debts on behalf of its clients. Additionally, Intrum purchases portfolios of non-performing loans from financial institutions at a discounted rate and then seeks to recover the full amount owed, thereby realizing a profit. Other revenue streams include credit optimization services, where Intrum assists clients in improving their credit management processes, and financial advisory services. Significant partnerships with banks and other financial institutions also contribute to Intrum's revenue by expanding its client base and service offerings.

Intrum AB Financial Statement Overview

Summary

Intrum AB faces significant financial challenges, with declining revenue and profitability issues reflected in the income statement. The balance sheet shows high leverage, raising concerns about financial stability. While cash flow has improved, it is not sufficient to offset net losses. The company needs to focus on enhancing profitability and reducing debt to strengthen its financial position.

Income Statement

Intrum AB's income statement reveals a challenging financial period with declining revenue and negative net income. The TTM data shows a negative net profit margin of -10.03%, indicating profitability issues. Revenue has decreased by 3.81% compared to the previous period, and EBIT and EBITDA margins have also declined. The company needs to address these profitability challenges to improve its financial health.

Balance Sheet

The balance sheet indicates high leverage with a debt-to-equity ratio of 3.83, which poses a risk in terms of financial stability. The return on equity is negative, reflecting the company's struggles to generate profit from shareholders' equity. The equity ratio is relatively low, suggesting a heavy reliance on debt financing. These factors highlight potential risks and the need for improved financial management.

Cash Flow

Cash flow analysis shows a positive trend with a significant increase in free cash flow growth of 50.79% in the TTM period. The operating cash flow to net income ratio is positive, indicating that the company is generating cash from its operations despite net losses. However, the free cash flow to net income ratio suggests that cash flow is not fully covering net losses, pointing to areas for improvement.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	16.93B	18.03B	19.85B	19.49B	17.79B	16.88B
Gross Profit	8.41B	7.82B	10.19B	8.05B	8.23B	7.38B
EBITDA	6.39B	9.46B	6.04B	2.48B	7.93B	6.20B
Net Income	-1.70B	-3.70B	-188.00M	-4.38B	3.13B	1.88B
Balance Sheet
Total Assets	75.02B	78.25B	90.21B	88.71B	88.91B	80.77B
Cash, Cash Equivalents and Short-Term Investments	3.02B	2.50B	3.77B	3.43B	4.46B	2.04B
Total Debt	48.76B	51.41B	60.48B	57.23B	53.31B	49.57B
Total Liabilities	60.52B	62.78B	71.28B	67.51B	64.22B	58.80B
Stockholders Equity	12.73B	13.39B	16.75B	18.54B	21.70B	19.12B
Cash Flow
Free Cash Flow	5.54B	3.83B	4.96B	6.14B	9.71B	8.04B
Operating Cash Flow	6.11B	4.42B	5.31B	6.51B	10.04B	8.72B
Investing Cash Flow	46.00M	9.20B	-2.56B	-6.58B	-8.01B	-5.44B
Financing Cash Flow	-12.21B	-15.29B	-2.26B	-2.23B	401.00M	-2.78B

Intrum AB Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5.07
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 4.94, above the 50-day MA of 5.05, and above the 200-day MA of 4.36, indicating a neutral trend. The MACD of -0.23 indicates Positive momentum. The RSI at 35.17 is Neutral, neither overbought nor oversold. The STOCH value of 4.91 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ITJTY.

Intrum AB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
XYF	77 Outperform	$503.45M	2.27	24.28%	4.40%	45.25%	46.56%
YRD	75 Outperform	$453.63M	2.56	13.64%	8.30%	12.69%	-35.36%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QD	64 Neutral	$786.00M	11.22	4.57%	―	-39.25%	―
ITJTY	46 Neutral	$594.84M	―	-0.01%	―	-2.97%	98.46%
PRAA	46 Neutral	$529.64M	―	-31.97%	―	13.79%	-899.50%
AHG	45 Neutral	$878.07M	-3.36	-79.90%	―	510.69%	-145.92%

Intrum AB Corporate Events

Intrum AB Reports Solid Q3 2025 Performance Amid Strategic Shifts

Intrum AB Unsponsored ADR is a leading European credit management company that specializes in debt collection and credit services, playing a crucial role in financial stability by facilitating the recovery of late payments across Europe. In its third-quarter 2025 earnings report, Intrum highlighted a solid performance despite a slight decrease in total income compared to the previous year, primarily due to foreign exchange effects and a smaller investment book. The company successfully completed a recapitalization transaction, resulting in a net gain of SEK 2.1 billion, which positively impacted its financial results.

Intrum AB Earnings Call: Mixed Results Amid Growth

Intrum AB’s recent earnings call painted a mixed picture, highlighting both achievements and challenges. While the company celebrated significant strides in cost management and servicing income growth, it also faced hurdles with reported earnings and a high leverage ratio. The underlying business performance showed encouraging signs of improvement, yet substantial one-offs and impairments negatively impacted the financial results.