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KRUK SA (PL:KRU)
:KRU
Earnings Data
Report Date
Apr 29, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
12.35Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive operating story: record recoveries, double‑digit EBITDA and asset growth, 20% ROE, a strengthened ERC, solid IRR/money‑multiple metrics, good lending EBITDA, and stable funding. Key negatives were tax-related net profit drag, currency effects (RON depreciation ~PLN 41m), higher operating/digital costs (~PLN 30m OpEx) and market-specific underperformance (Spain, France, some Slovak sales losses) plus investments slightly below plan. Overall, management presents a constructive long‑term strategy (digital transformation, reorganization to an investment vehicle) and expects higher or sustained investment activity in 2026, supporting a positive outlook despite near‑term headwinds.Company Guidance
Record Operating Performance
EBITDA and cash EBITDA grew by 12% year‑on‑year in 2025, marking a record year for the business.
Portfolio and Asset Growth
Portfolio on the balance sheet reached PLN 11.6 billion (approx.), with assets growing ~11–12% year‑on‑year.
Strong Recoveries and ERC Expansion
Record high recoveries in 2025, with recoveries PLN 225 million above the accounting forecast; ERC increased from ~PLN 21 billion previously to PLN 26 billion (management operating plan remains ~PLN 8 billion above accounting ERC).
Solid Returns and Investment Metrics
Gross IRR for 2025 investments ~21% with a ~3x money multiple; management achieved budgetary IRR targets while investing more selectively.
Return on Equity and Capital Structure
Return on equity reached 20% in 2025; leverage remained contained with net debt to cash EBITDA of 2.6x and good access to bank and bond funding.
Lending Business Performance (Wonga)
Lending segment delivered strong results with PLN 170 million EBITDA in 2025 following consolidation of lending activities under the Wonga brand.
Market Leadership and Geographic Strengths
Poland contributed ~40% of recoveries and remains #1 in unsecured consumer portfolio purchases (though market share moderated); Romania posted excellent results with market size rising to ~PLN 800 million (from ~PLN 500 million) and KRUK taking ~70% market share; Italy delivered nearly PLN 300 million EBITDA for the year.
Digital Transformation Progress and Funding Stability
Digital transformation program is underway (PLN ~500 million program earmarked; ~PLN 70 million spent to date with ~PLN 30 million OpEx in 2025); MVP testing planned in H2 2026 and full functionality targeted by 2029. Funding markets (banks and bonds) remain accessible.
PL:KRU Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
PL:KRU Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 26, 2026 | zł466.20 | zł467.00 | +0.17% |
Oct 29, 2025 | zł469.50 | zł467.10 | -0.51% |
Aug 26, 2025 | zł426.10 | zł425.80 | -0.07% |
Apr 28, 2025 | zł371.41 | zł375.14 | +1.00% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does KRUK SA (PL:KRU) report earnings?
KRUK SA (PL:KRU) is schdueled to report earning on Apr 29, 2026, TBA (Confirmed).
What is KRUK SA (PL:KRU) earnings time?
KRUK SA (PL:KRU) earnings time is at Apr 29, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of KRUK SA stock?
The P/E ratio of KRUK SA is N/A.
What is PL:KRU EPS forecast?
Currently, no data Available