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Intrum Justitia AB
(INTRUM)
Intrum Justitia AB (INTRUM) vs. iShares MSCI Sweden ETF (EWD)
Intrum Justitia AB Business Overview & Revenue Model
Intrum Justitia AB Financial Statement Overview
| 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 | 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 | 4.54B | 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
Intrum Justitia AB Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | kr9.91B | 8.26 | 26.88% | ― | 15.59% | 24.31% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | kr12.11B | 11.94 | 15.75% | 1.78% | 19.81% | 5.77% | |
54 Neutral | kr10.99B | 8.05 | ― | ― | 0.78% | 13.82% | |
48 Neutral | kr5.18B | -3.69 | -0.68% | ― | -6.65% | 95.09% |
Intrum Justitia AB Corporate Events
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 role as an investing partner. The group aims to leverage technology, data and AI to lower costs, boost collection performance and gain market share, while using its underwriting and pricing capabilities to attract capital partners and gradually increase balance-sheet investments as funding costs ease. By 2030, Intrum is targeting a leverage ratio of around 3x net debt to Servicing EBITDA, a total cost base of SEK 10–11 billion and a Servicing EBIT margin of 30–35 percent, with management arguing that this combination of cost reduction, balance-sheet strengthening and growth in Servicing should support improved operating profit and lower funding costs for shareholders and other stakeholders.
The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK48.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.
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 review. Despite the headline loss, the underlying operations remained solid: adjusted EBIT slipped only 4% to SEK 1.63 billion and adjusted net income turned strongly positive, lifting adjusted earnings per share to SEK 5.27 for the quarter and SEK 18 for the full year, while cash EBITDA from continuing operations reached SEK 2.4 billion in Q4. The group continued to grow its External Servicing business organically at high margins and invested SEK 436 million in debt portfolios at a robust blended IRR of 18%, indicating disciplined capital deployment. Management maintained its strategic emphasis on deleveraging, with leverage reduced to 4.8x by year-end and further balance sheet improvement expected from the sale of its remaining stake in a joint venture with Brocc announced in January 2026, signaling ongoing efforts to strengthen the company’s financial resilience and position in the credit management market.
The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK48.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.
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 realised gain of about EUR 45 million. The transaction, which keeps Intrum as servicer under an unchanged five‑year servicing agreement and leaves its strategic co‑investment arrangement with Cerberus in place, is part of the group’s capital‑light strategy and deleveraging drive, with all proceeds earmarked for debt reduction, including managing its second‑lien Exchange Notes maturing in 2027; subject to regulatory and creditor approvals, closing is anticipated in the first half of 2026 and is expected to cut net debt and improve the leverage ratio by roughly 0.2x based on Q3 2025 figures, ahead of the company’s forthcoming strategic review update and new financial targets later in January.
The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK47.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.
Intrum AB will record a non-cash impairment charge of about SEK 3.4 billion in the fourth quarter of 2025, largely driven by a SEK 3.1 billion goodwill write-down tied mainly to its Spanish real estate operations, with additional goodwill impairments in France and Germany reflecting more conservative assumptions. A further SEK 0.3 billion relates to impaired tax assets in Spain, with the overall review aligning cash flow forecasts, growth expectations and discount rates more cautiously with current market conditions and Intrum’s risk profile; the charge, booked as an item affecting comparability, reduces total goodwill to roughly SEK 30 billion and signals a recalibration of balance-sheet valuations that could influence investor perception of the group’s European portfolio, particularly in Spain.
The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK47.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.
Intrum will publish its full-year 2025 results and present key outcomes from its ongoing strategic review on 29 January 2026, with a webcast and teleconference for investors, analysts and financial media scheduled that afternoon. The event, led by CEO Johan Åkerblom and CFO Masih Yazdi, will outline new financial targets and strategic priorities, signalling potential shifts in the company’s future direction that are likely to be closely watched by creditors, shareholders and clients across the European credit management sector.
The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK47.00 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 has announced the results of its tender offers for senior secured exchange notes issued by its subsidiary, Intrum Investments and Financing AB. The company accepted €119,605,385 in aggregate principal amount of the notes, with a purchase consideration of €112,500,000. This transaction is part of Intrum’s strategy to improve its debt profile by repurchasing debt at a discount, thereby strengthening its financial position and balance sheet. The completion of this debt buyback program marks a significant step in Intrum’s recapitalization efforts, with all proceeds from the New Money Notes now fully utilized.
The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK37.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.