Intrum AB (ITJTY) AI Stock Analysis

• Market Cap: $557.09M
• Dividend Yield: N/A
• Average Volume (3M): 0.00
• Price to Earnings (P/E): ―
• Beta (1Y): 1.19
• Revenue Growth: -2.97%
• EPS Growth: 98.46%
• Country: US
• Employees: 9,664
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -1.77
• Shares Outstanding: 136,245,470
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 0
• PEG Ratio: 0.05
• Price to Book (P/B): 0.44
• Price to Sales (P/S): 0.28
• P/FCF Ratio: 1.11
• Enterprise Value/Market Cap: 83.63
• Enterprise Value/Revenue: 2.74
• Enterprise Value/Gross Profit: 4.37
• Enterprise Value/Ebitda: 13.02
• 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: 49 Neutral
• Price Target: $4.00 ▼(-21.10% Downside)
• Action: Reiterated Date: 02/02/26
• Date: Action: Reiterated 02/02/26

The score is held back primarily by weak financial performance (persistent net losses and high leverage with declining equity). Offsetting this are constructive technicals (price above key moving averages with positive MACD) and a more credible, execution-backed deleveraging/cost-out plan from the earnings call, though impairments, FX headwinds, and refinancing/execution risks keep the overall assessment below average.

Positive Factors

Free Cash Flow

Consistent positive free cash flow provides a durable internal funding source to support debt paydown, limited reinvestment and servicing operations. Over 2–6 months this underpins deleveraging targets, reduces immediate refinancing pressure and improves financial flexibility.

Servicing Profitability

Elevated and improving servicing margins signal durable operating strength in the fee-based business, generating steady cash and scalable economics. Strong servicing profitability lessens dependence on volatile portfolio returns and supports margin expansion targets over the medium term.

Cost Reductions & Strategic Targets

Meaningful cost cuts and explicit 2030 targets provide a clear structural roadmap to improve margins and leverage. Durable cost base reductions increase operating leverage, enhance cash conversion and make the deleveraging plan credible if execution continues over coming quarters.

Negative Factors

High Leverage

Very elevated leverage materially limits balance-sheet flexibility and raises refinancing and interest-rate vulnerability. Over the medium term, high debt amplifies downside from earnings volatility and constrains the speed at which the company can resume portfolio investments.

Persistent Net Losses & Shrinking Revenue

Sustained top-line decline and repeated net losses erode equity and creditworthiness, reducing headroom for growth initiatives. This structural earnings weakness makes reliance on one-off adjustments or portfolio gains less sustainable absent a clear, durable recovery in organic servicing revenue.

Smaller Investment Book & Constrained Investing

A materially smaller investing book reduces future investing income and the firm's ability to deploy capital into high‑IRR portfolios. Constrained purchases while deleveraging limit growth runway and make long-term earnings recovery contingent on external funding cost improvements.

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 information services; and debt collection comprising surveillance and purchase services. It also provides payment services, such as reminder, payment guarantee, and VAT services; e-commerce services comprising credit management, payment solutions, and collection services; accounts receivables services that include invoicing, payment booking, monitoring of due dates, reminder, and collection services; and financing and portfolio investment services. Intrum AB (publ) was founded in 1923 and is headquartered in Stockholm, Sweden.

How the Company Makes Money

Intrum makes money primarily through (1) fee-based credit management services and (2) returns from investing in and collecting on debt portfolios it owns. In its service-based business, Intrum earns revenue by providing outsourced credit management for clients (such as invoicing support, reminders, amicable collection, and legal collection/ enforcement processes where applicable), typically charging service fees that may be structured as fixed fees, activity-based fees, and/or performance-based commissions tied to amounts recovered. In its portfolio investment business, Intrum purchases portfolios of overdue receivables (including NPLs) from creditors—often at a discount to face value—and then generates revenue as it collects cash from debtors over time; the economic profit depends on collection performance relative to the purchase price and the costs of servicing and legal enforcement. Intrum may also enter into long-term servicing or joint arrangements with financial institutions in connection with portfolio transactions, where it can earn ongoing servicing fees and/or share in collections depending on the structure. Key factors affecting earnings include the volume of new servicing mandates, the supply and pricing of portfolios available for purchase, collection effectiveness, regulatory and court/ enforcement environments in the countries where it operates, and the cost of funding used to finance portfolio investments.

Intrum AB Financial Statement Overview

Summary

Weak overall fundamentals: shrinking revenue, net losses across 2022–2025, and very high leverage with declining equity outweigh the support from consistently positive free cash flow and comparatively solid operating margins.

Income Statement

Revenue has been shrinking recently (down ~4.3% in 2025 after ~0.1% decline in 2024), and the company has reported net losses for most of the last four years (2022–2025), with a negative net margin in 2025. Offsetting that, operating profitability looks comparatively stronger: 2025 operating profit and EBITDA margins remain healthy versus many financial services peers, and operating profit improved versus 2023. Overall, strong operating earnings are being undermined by persistent bottom-line losses and weakening top-line momentum.

Balance Sheet

Leverage is the key constraint: debt is very high relative to equity (debt-to-equity ~4.1x in 2025), and equity has trended down materially since 2020, reducing balance-sheet flexibility. Returns to shareholders are also negative in recent years due to net losses (negative return on equity in 2022–2025). While total assets remain sizable, the combination of high leverage and declining equity profile elevates risk, particularly if earnings remain volatile.

Cash Flow

Cash generation is a relative bright spot: operating cash flow and free cash flow are positive each year shown, including 2025 (~4.3B free cash flow). However, cash flow has softened from 2021 highs and free cash flow growth has been negative for several years. A positive factor is that free cash flow has generally tracked reported earnings closely in the data provided, suggesting cash conversion is not the primary issue—rather, durability and trajectory of cash flows are.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	17.03B	18.03B	19.85B	19.13B	17.79B
Gross Profit	10.66B	7.82B	10.19B	10.12B	8.23B
EBITDA	5.13B	9.46B	6.04B	2.48B	7.93B
Net Income	-1.43B	-3.70B	-188.00M	-4.47B	3.13B
Balance Sheet
Total Assets	65.47B	77.54B	90.21B	88.71B	88.91B
Cash, Cash Equivalents and Short-Term Investments	2.57B	2.39B	3.62B	3.43B	4.55B
Total Debt	44.42B	51.41B	60.48B	57.23B	53.31B
Total Liabilities	52.69B	62.07B	71.28B	67.51B	64.22B
Stockholders Equity	10.85B	13.39B	16.75B	18.54B	21.70B
Cash Flow
Free Cash Flow	4.27B	3.83B	4.96B	4.63B	9.71B
Operating Cash Flow	4.30B	4.42B	5.31B	4.99B	10.04B
Investing Cash Flow	-1.47B	9.20B	-2.56B	-1.63B	-8.01B
Financing Cash Flow	-2.31B	-15.29B	-2.26B	-4.88B	401.00M

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 4.27, above the 50-day MA of 4.79, and above the 200-day MA of 5.00, indicating a bearish trend. The MACD of -0.17 indicates Negative momentum. The RSI at 39.09 is Neutral, neither overbought nor oversold. The STOCH value of 20.70 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
YRD	73 Outperform	$175.41M	2.91	12.66%	10.37%	10.48%	-30.67%
XYF	72 Outperform	$185.08M	0.40	23.88%	8.74%	46.93%	52.53%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PRAA	53 Neutral	$683.32M	-2.27	-27.34%	―	13.89%	-899.50%
ITJTY	49 Neutral	$557.09M	-3.32	-0.01%	―	-2.97%	98.46%
AHG	45 Neutral	$2.07B	―	-67.59%	―	510.69%	-145.92%