Intrum Justitia AB (SE:INTRUM)
:INTRUM
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Intrum Justitia AB
(INTRUM)
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Rating:48Neutral
Price Target:
kr39.00
▼(-5.57% Downside)
Action:ReiteratedDate:01/31/26
The score is primarily constrained by weak financial performance driven by recurring losses and high leverage (declining equity and elevated debt-to-equity), partly offset by consistently positive free cash flow. Technicals are neutral-to-slightly positive (positive MACD and price above medium-term averages), while valuation offers limited support due to negative earnings (negative P/E) and no dividend yield data.
Positive Factors
Cash generation resilience
Intrum’s persistent positive operating and free cash flow through loss-making periods is a durable strength. Reliable cash conversion funds ongoing operations, supports servicing of purchased portfolios, and provides internal liquidity that reduces near-term dependence on external financing, underpinning operational continuity over the next several months.
Negative Factors
High leverage
A roughly 4.1x debt-to-equity ratio signals a heavily leveraged capital structure that materially limits financial flexibility. High leverage elevates refinancing, interest-rate and covenant risk, constrains the ability to fund portfolio purchases organically, and increases vulnerability to macro shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation resilience
Intrum’s persistent positive operating and free cash flow through loss-making periods is a durable strength. Reliable cash conversion funds ongoing operations, supports servicing of purchased portfolios, and provides internal liquidity that reduces near-term dependence on external financing, underpinning operational continuity over the next several months.
Read all positive factors
Intrum Justitia AB (INTRUM) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr5.42B
Dividend YieldN/A
Average Volume (3M)629.19K
Price to Earnings (P/E)―
Beta (1Y)1.06
Revenue Growth-6.65%
EPS Growth95.09%
CountrySE
Employees9,042
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-13.84
Shares Outstanding136,245,470
10 Day Avg. Volume588,903
30 Day Avg. Volume629,191
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)0.46
Price to Sales (P/S)0.29
P/FCF Ratio1.09
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
kr54.00Price Target Upside30.75% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)9.4
Revenue Forecast (FY)kr16.55B
Intrum Justitia 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 primarily makes money through two broad models: (1) service-based credit management and (2) investing in credit/debt portfolios.
1) Service-based credit management (fee-for-service)
- Intrum provides collection and receivables management s...
Intrum Justitia AB Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
22
Negative
Cash Flow
63
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 17.05B | 18.03B | 17.70B | 19.13B | 17.79B |
| Gross Profit | 11.98B | 7.96B | 8.30B | 10.12B | 8.23B |
| EBITDA | 5.46B | 4.70B | 4.43B | 2.48B | 7.93B |
| Net Income | -1.43B | -3.70B | -187.00M | -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 | 43.99B | 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 | 4.54B | 3.83B | 4.96B | 4.63B | 9.71B |
| Operating Cash Flow | 4.57B | 4.42B | 5.11B | 4.99B | 10.04B |
| Investing Cash Flow | -1.56B | 9.20B | -2.56B | -1.63B | -8.01B |
| Financing Cash Flow | -2.46B | -15.29B | -2.26B | -4.88B | 401.00M |
Intrum Justitia AB Technical Analysis
Neutral
41.30
Price Trends
41.25
Negative
40.83
Negative
46.76
Negative
Market Momentum
-0.36
Negative
54.84
Neutral
87.99
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:INTRUM, the sentiment is Neutral. The current price of 41.3 is above the 20-day moving average (MA) of 38.07, above the 50-day MA of 41.25, and below the 200-day MA of 46.76, indicating a neutral trend. The MACD of -0.36 indicates Negative momentum. The RSI at 54.84 is Neutral, neither overbought nor oversold. The STOCH value of 87.99 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SE:INTRUM.
Intrum Justitia AB Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | kr11.51B | 15.87 | 26.88% | ― | 15.59% | 24.31% | |
62 Neutral | kr14.77B | 8.66 | 17.97% | 1.78% | 19.81% | 5.77% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | kr11.08B | 10.59 | ― | ― | 0.78% | 13.82% | |
48 Neutral | kr5.42B | -3.46 | -11.59% | ― | -6.65% | 95.09% |
* General Sector Average
SE:INTRUM
Intrum Justitia AB
41.30
11.88
40.38%
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Intrum Justitia AB Corporate Events
Intrum Justitia Publishes 2025 Annual Report With Focus on Strategy, Governance and Sustainability
Mar 24, 2026
Intrum Justitia AB has published its 2025 Annual Report, presenting financial statements, consolidated and parent company accounts, and a Board of Directors’ Report that integrates the company’s Sustainability Statement. The report det...
Intrum summons shareholders to 22 April 2026 AGM in Stockholm
Mar 20, 2026
Intrum AB has convened its shareholders to an Annual General Meeting to be held on 22 April 2026 in central Stockholm, setting out the formal requirements for registration, attendance, and proxy representation. The notice details procedures for sh...
Intrum Sets 2030 Strategy With Focus on Deleveraging, AI-Driven Efficiency and Margin Targets
Jan 29, 2026
Intrum has unveiled its “Intrum 2030” strategy and new financial targets for 2026–2030, prioritising short‑term deleveraging and derisking alongside long‑term efficiency gains in its Servicing business and a stronger ...
Intrum Absorbs Major Goodwill Hit but Underlying Business and Deleveraging Remain on Track
Jan 29, 2026
Intrum reported a mixed fourth quarter of 2025, with income declining 7% year-on-year to SEK 4.5 billion and unadjusted EBIT swinging to a loss of SEK 1.34 billion, driven primarily by a SEK 2.94 billion goodwill impairment booked in its annual re...
Intrum Sells JV Portfolios Above Book Value to Accelerate Deleveraging
Jan 12, 2026
Intrum has agreed to sell its remaining 35% stake in portfolios held in a joint venture with Brocc Finance AB, an affiliate of Cerberus Capital Management, for approximately EUR 215 million, a price above book value that is expected to generate a ...
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.