Intrum AB (ITJTY) AI Stock Analysis

• Market Cap: $557.11M
• Dividend Yield: N/A
• Average Volume (3M): 0.00
• Price to Earnings (P/E): ―
• Beta (1Y): 1.14
• 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: 9.72
• 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: 45 Neutral
• Price Target: $4.00 ▼(-21.10% Downside)

Intrum AB's overall stock score is primarily impacted by its financial performance challenges, including high leverage and declining profitability. Technical indicators suggest bearish momentum, and valuation metrics are unfavorable due to negative earnings. While the earnings call highlighted some operational improvements, significant financial risks remain.

Positive Factors

Cost Management

Effective cost management through workforce reduction enhances operational efficiency and margin sustainability, supporting long-term profitability.

Servicing Income Growth

Organic growth in servicing income across multiple markets indicates strong demand for Intrum's services, enhancing revenue stability and market position.

Adjusted EBIT Growth

Significant EBIT growth reflects improved operational efficiency and profitability, strengthening Intrum's financial foundation and competitive edge.

Negative Factors

High Leverage

High leverage limits financial flexibility and increases risk, potentially impacting Intrum's ability to invest in growth and weather economic downturns.

Declining Revenue

A decline in revenue suggests challenges in maintaining market share and demand, which could affect long-term growth and profitability.

Goodwill Impairment

Goodwill impairment indicates potential overvaluation of past acquisitions, impacting financial health and highlighting risks in strategic investments.

Intrum AB Business Overview & Revenue Model

Company Description

Intrum AB (ITJTY) is a leading European provider of credit management services, specializing in debt collection, credit risk assessment, and payment solutions. With a strong presence in various sectors, including retail, telecommunications, and financial services, Intrum helps businesses manage their receivables and optimize cash flow. The company operates in multiple countries, offering a range of services from debt purchase to advisory solutions that enhance clients' financial health and customer relationships.

How the Company Makes Money

Intrum AB generates revenue primarily through its debt collection services, which include both contingency collection and debt purchase. In contingency collection, the company earns fees based on the amounts collected on behalf of clients. In debt purchase, Intrum acquires non-performing loans and collects on them directly, generating income from the recovery of these debts. Additionally, the company provides credit management solutions, which include assessments and consulting services, further contributing to its revenue. Strategic partnerships with financial institutions and businesses enhance its service offerings and broaden its client base, ensuring a steady flow of income from various sectors.

Intrum AB Financial Statement Overview

Summary

Intrum AB faces significant financial challenges, with declining revenue and profitability issues. The income statement shows a negative net profit margin and declining revenue. The balance sheet indicates high leverage, posing financial stability risks. Although cash flow has improved, it is insufficient to offset net losses, highlighting the need for enhanced profitability and debt reduction.

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	19.13B	17.79B	16.85B
Gross Profit	8.41B	7.82B	10.19B	10.12B	8.23B	7.35B
EBITDA	6.39B	9.46B	6.04B	2.48B	7.93B	6.20B
Net Income	-1.70B	-3.70B	-188.00M	-4.47B	3.13B	1.88B
Balance Sheet
Total Assets	75.02B	77.54B	90.21B	88.71B	88.91B	80.77B
Cash, Cash Equivalents and Short-Term Investments	3.02B	2.39B	3.62B	3.43B	4.55B	2.04B
Total Debt	48.76B	51.41B	60.48B	57.23B	53.31B	49.57B
Total Liabilities	60.52B	62.07B	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	4.63B	9.71B	7.83B
Operating Cash Flow	6.11B	4.42B	5.31B	4.99B	10.04B	8.51B
Investing Cash Flow	46.00M	9.20B	-2.56B	-1.63B	-8.01B	-5.44B
Financing Cash Flow	-12.21B	-15.29B	-2.26B	-4.88B	401.00M	-2.57B

Intrum AB Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5.07
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 4.21, above the 50-day MA of 4.82, and above the 200-day MA of 4.45, indicating a bearish trend. The MACD of -0.26 indicates Negative momentum. The RSI at 37.34 is Neutral, neither overbought nor oversold. The STOCH value of 49.91 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
XYF	72 Outperform	$287.44M	1.22	23.70%	7.59%	46.93%	52.53%
YRD	70 Outperform	$388.83M	2.25	12.53%	9.33%	10.48%	-30.67%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QD	63 Neutral	$797.56M	7.22	6.75%	―	-62.48%	1441.74%
PRAA	61 Neutral	$632.05M	―	-31.97%	―	13.89%	-899.50%
ITJTY	45 Neutral	$557.11M	―	-0.01%	―	-2.97%	98.46%
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.