Intrum Justitia AB (INTRUM) AI Stock Analysis

• Market Cap: kr5.83B
• Dividend Yield: N/A
• Average Volume (3M): 1.35M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.87
• Revenue Growth: -10.09%
• EPS Growth: -1.04%
• Country: SE
• Employees: 9,042
• Sector: Financial
• Sector Strength: 78
• Industry: Financial - Credit Services
• EPS (TTM): 2.69
• Shares Outstanding: 121,720,920
• 10 Day Avg. Volume: 1,363,414
• 30 Day Avg. Volume: 1,352,249
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: kr53.00
• Price Target Upside: 10.88% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 44 Neutral
• Price Target: kr53.00 ▲(10.88% Upside)

Intrum Justitia AB's overall stock score reflects significant financial challenges, including declining revenues and high leverage, which pose risks to financial stability. The technical analysis indicates bearish momentum, and valuation metrics are unfavorable with a negative P/E ratio. These factors collectively contribute to a low stock score, highlighting the need for strategic improvements to enhance future prospects.

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 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 generates revenue primarily through its core services: debt collection, credit management, and related consulting services. The company charges fees for its debt recovery efforts, which can include a percentage of the collected debts or fixed service fees. Additionally, Intrum earns money through the purchase of non-performing loans, where it buys debts at a discount and seeks to recover more than its purchase price. Key revenue streams also include the provision of credit information and risk assessment services to businesses. Significant partnerships with banks, financial institutions, and various industries enhance Intrum's market reach and contribute to its earnings by providing a steady flow of clients needing credit management solutions.

Intrum Justitia AB Financial Statement Overview

Summary

Intrum Justitia AB is facing financial challenges, with declining revenues and profitability issues. The company is heavily leveraged, which could limit its ability to navigate economic fluctuations. Despite these challenges, there are signs of operational efficiency and improved cash flow generation. The company needs to focus on reducing debt and improving profitability to enhance financial stability and growth prospects.

Income Statement

Intrum Justitia AB's income statement reveals a challenging financial environment. The company has experienced a decline in revenue growth, with a negative growth rate of -3.81% in the TTM period. Profitability metrics such as the net profit margin are negative, indicating losses. However, the gross profit margin remains relatively stable at around 49.68% in the TTM, suggesting some operational efficiency. The EBIT and EBITDA margins have shown improvement over the past year, indicating potential for recovery.

Balance Sheet

The balance sheet of Intrum Justitia AB highlights significant leverage, with a high debt-to-equity ratio of 3.83 in the TTM. This indicates a heavy reliance on debt financing, which could pose risks in a volatile market. The return on equity is negative, reflecting ongoing losses. The equity ratio is relatively low, suggesting limited financial flexibility. These factors indicate potential financial instability, although the company has managed to maintain a substantial asset base.

Cash Flow

Intrum Justitia AB's cash flow statement shows some positive trends. The free cash flow has grown by 50.79% in the TTM, indicating improved cash generation capabilities. The operating cash flow to net income ratio is positive, suggesting that the company is generating cash despite net losses. However, the free cash flow to net income ratio is high, which may indicate that cash flow is not being fully reinvested into growth opportunities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	16.93B	17.95B	19.88B	19.49B	17.79B	16.88B
Gross Profit	8.41B	7.96B	6.14B	8.05B	8.23B	7.38B
EBITDA	6.34B	4.05B	5.83B	2.48B	7.68B	6.96B
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	3.77B	3.43B	4.46B	2.04B
Total Debt	48.76B	51.41B	60.48B	57.23B	53.31B	49.57B
Total Liabilities	60.52B	62.07B	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	6.14B	9.71B	8.04B
Operating Cash Flow	6.11B	4.42B	5.11B	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 Justitia AB Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 47.80
• 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 SE:INTRUM, the sentiment is Negative. The current price of 47.8 is below the 20-day moving average (MA) of 52.62, below the 50-day MA of 58.39, and above the 200-day MA of 37.94, indicating a neutral trend. The MACD of -2.54 indicates Positive momentum. The RSI at 30.64 is Neutral, neither overbought nor oversold. The STOCH value of 2.93 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SE:INTRUM.

Intrum Justitia AB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.95B	11.54	10.27%	3.74%	9.64%	1.17%
INTRUM	44 Neutral	kr5.83B	―	-13.03%	―	-10.09%	-1.04%
0R65	―	kr8.72B	9.93	15.81%	―	―	―
0RFP	―	kr5.52B	54.79	1.44%	―	―	―
NORION	72 Outperform	kr14.48B	10.32		―	4.14%	10.95%
6TF0	―	€928.47M	5.30	27.26%	―	―	―
LEA	―	kr1.15B	11.48		―	―	―

Intrum Justitia AB Corporate Events

Intrum AB Expands Share Capital Through Directed Issue

Intrum AB has announced a change in its number of shares and votes following a directed share issue as part of its recapitalization efforts. This transaction has increased the company’s share capital by approximately SEK 322,201 and added 13,524,546 shares, bringing the total to 135,245,464 shares, potentially impacting its market positioning and stakeholder interests.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK42.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum Announces Leadership Change Following Successful Recapitalization

Intrum announced the successful completion of its recapitalization and the subsequent leadership transition, with Johan Åkerblom taking over as President and CEO from Andrés Rubio. Rubio, who played a pivotal role in transforming the company by improving servicing margins and launching a capital light strategy, steps down after positioning Intrum for future success. Åkerblom, previously Intrum’s CFO, brings extensive experience from his previous roles, including CEO of Citadele Bank, and is expected to continue the company’s strategic transformation.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK51.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum Justitia AB Reports Strong Q2 2025 Financial Performance Amid Strategic Shifts

Intrum Justitia AB reported strong financial performance in Q2 2025, with EBIT and net income showing significant improvements driven by cost-saving initiatives. Despite a 9% decline in income due to FX effects and market expectations, the company saw a 33% rise in adjusted EBIT year-over-year. The successful recapitalization transaction aligns with strategic objectives, and the rollout of their autonomous debt resolution platform, Ophelos, is progressing well, reinforcing their transition towards a technology-driven credit management service.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK51.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum Justitia AB Strengthens Position with Successful Recapitalization

Intrum Justitia AB has successfully completed a recapitalization transaction, emerging from US Chapter 11 proceedings with a stronger financial foundation. This transaction, which involved rescheduling debt maturities and securing new financing, positions Intrum to focus on a capital-light business model and enhance its industry leadership through improved client delivery and operational efficiency.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK51.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum Completes Share Issue for Recapitalization

Intrum announced the outcome of a directed share issue involving 13,524,546 ordinary shares to Skandinaviska Enskilda Banken AB (SEB) as part of a recapitalization transaction. This move is intended to fulfill obligations under Intrum’s reorganization plans approved by Swedish and US courts. SEB will transfer the shares to noteholders, with the transaction expected to conclude in July 2025, potentially impacting Intrum’s financial stability and stakeholder interests.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK51.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum to Present April-June 2025 Interim Results

Intrum is set to release its interim results for April-June 2025 on July 25, with a webcast and teleconference presentation by CEO Andrés Rubio and CFO Johan Åkerblom. This announcement is significant for stakeholders as it provides insights into the company’s financial performance and strategic positioning within the credit management industry.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK51.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum Extends Deadlines for Recapitalization Transaction

Intrum Justitia AB has announced an extension for deadlines related to its recapitalization transaction, allowing noteholders additional time to claim their entitlements and participate in a rights offering for new money notes. This extension is intended to provide more time for completing necessary documentation and obtaining essential third-party approvals, which are crucial for closing the transaction expected in July 2025. The recapitalization will involve issuing new notes, distributing ordinary shares, and amending existing credit facilities, impacting the company’s financial structure and stakeholder interests.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK30.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum Justitia AB’s 2025 AGM: Key Resolutions and Strategic Focus

Intrum Justitia AB’s 2025 Annual General Meeting resulted in several key resolutions, including the adoption of the 2024 financial accounts and the decision not to distribute dividends for the year. The meeting also saw the re-election of board members and the approval of a long-term incentive program for key employees, aimed at aligning their interests with the company’s performance. These resolutions reflect Intrum’s strategic focus on strengthening its financial position and incentivizing leadership to drive future growth.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK30.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum Justitia AB Announces Recapitalization Transaction

Intrum Justitia AB has announced a recapitalization transaction inviting noteholders to claim their exchange entitlements and participate in a rights offering for new money notes. This move is part of the company’s strategic plan to strengthen its financial position, with the transaction expected to close by mid-July, pending regulatory approvals. The recapitalization will involve the issuance of new notes and shares while canceling existing notes, potentially impacting the company’s financial structure and stakeholder interests.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK30.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum Responds to Swedish FSA Investigation

Intrum Justitia AB has acknowledged the Swedish Financial Supervisory Authority’s investigation into its reorganization process and its potential impact on Intrum Sweden’s compliance with NPL regulations. The company asserts that the reorganization pertains only to the Group entity and does not affect the market entities’ structure or operations, anticipating that the investigation will confirm no compliance issues for Intrum Sweden.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK30.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum AB Corrects Trading Dates for Medium-Term Notes Amid Recapitalisation

Intrum AB has announced a correction regarding the trading of its medium-term notes (MTNs) in advance of its Recapitalisation Transaction. The company will block trading of these notes on Nasdaq Stockholm and Euroclear Sweden starting 9 June 2025, with the last trading day being 3 June 2025. This procedural action is part of the administrative steps to facilitate the distribution of entitlements related to the Recapitalisation Transaction. The trading block applies only to the MTNs, and further instructions for creditors will be released later.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK30.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum Justitia AB Blocks Trading of Medium-Term Notes Ahead of Recapitalisation

Intrum Justitia AB has announced a temporary block on trading its medium-term notes (MTNs) on Nasdaq Stockholm and Euroclear Sweden as part of its Recapitalisation Transaction. This procedural step, effective from June 9, 2025, aims to facilitate the distribution of entitlements related to the transaction, impacting the company’s financial operations and stakeholders involved in these notes.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK30.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.