Intrum Justitia AB (INTRUM) AI Stock Analysis

• Market Cap: kr5.58B
• Dividend Yield: N/A
• Average Volume (3M): 629.19K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.94
• Revenue Growth: -6.65%
• EPS Growth: 95.09%
• Country: SE
• Employees: 9,042
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 3.00
• Shares Outstanding: 136,245,470
• 10 Day Avg. Volume: 588,903
• 30 Day Avg. Volume: 629,191
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.25
• Price to Sales (P/S): 0.18
• P/FCF Ratio: 0.86
• 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: kr50.50
• Price Target Upside: 20.70% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: kr42.00 ▲(0.38% Upside)

Intrum Justitia AB's overall stock score is primarily impacted by its challenging financial performance and bearish technical indicators. The company's high leverage and negative P/E ratio further contribute to a cautious outlook. While there are some signs of operational efficiency and cash flow improvement, significant risks remain due to financial instability and valuation concerns.

Intrum Justitia AB Business Overview & Revenue Model

Company Description

Intrum Justitia AB (INTRUM) is a leading European credit management services company that specializes in providing debt collection and credit management solutions. Founded in Sweden, Intrum operates in multiple sectors, including financial services, telecommunications, and retail, offering various services such as debt recovery, credit risk assessment, and accounts receivable management. The company aims to improve cash flow for its clients while enhancing customer relationships through responsible debt management practices.

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 faces 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: 41.84
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 41.84 is below the 20-day moving average (MA) of 46.73, below the 50-day MA of 47.58, and below the 200-day MA of 42.55, indicating a bearish trend. The MACD of -1.98 indicates Positive momentum. The RSI at 35.86 is Neutral, neither overbought nor oversold. The STOCH value of 13.75 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
NORION	72 Outperform	kr14.05B	9.80	―	―	0.78%	13.82%
TFBANK	72 Outperform	€11.64B	6.69	26.88%	―	15.59%	24.31%
HOFI	70 Neutral	kr8.59B	9.53	15.75%	2.10%	19.81%	5.77%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RESURS	63 Neutral	kr7.07B	69.38	1.44%	―	-1.57%	―
INTRUM	44 Neutral	kr5.58B	-39.03	-0.68%	―	-6.65%	95.09%

Intrum Justitia AB Corporate Events

Intrum Announces Nomination Committee for 2026 AGM

Intrum has announced the formation of a Nomination Committee for its Annual General Meeting in 2026, consisting of representatives from its largest shareholders. This move is part of Intrum’s ongoing efforts to ensure effective governance and stakeholder engagement, reflecting its commitment to transparency and accountability in its operations.

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 Completes Strategic Share Transaction for Ophelos Acquisition

Intrum has completed a significant financial transaction by paying approximately SEK 51.25 million to the sellers of Ophelos through a new share issue and transfer of treasury shares, as approved by the extraordinary general meeting. This strategic move increases the number of shares and votes in Intrum, potentially impacting its market position and shareholder value.

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 to Announce Q3 2025 Interim Results

Intrum is set to announce its interim results for July-September 2025 on 30 October. The results will be presented by the company’s President and CEO, Johan Åkerblom, and CFO, Masih Yazdi, through a webcast and teleconference, allowing stakeholders to engage and ask questions. This announcement is significant as it provides insights into the company’s financial performance and strategic positioning in the credit management industry.

The most recent analyst rating on (SE:INTRUM) stock is a Sell with a SEK50.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum AB Finalizes Ophelos Acquisition Through Share Issue and Transfer

Intrum AB’s Extraordinary General Meeting approved a directed issue of up to 1,000,000 shares to the sellers of Ophelos to settle the remaining purchase price, with the subscription price based on the weighted average closing price of Intrum shares on Nasdaq Stockholm. Additionally, if the newly issued shares are insufficient, the purchase price will be covered by transferring Intrum’s own treasury shares, also priced according to the weighted average closing price. This strategic move is expected to finalize the acquisition of Ophelos and could strengthen Intrum’s market position by expanding its service offerings.

The most recent analyst rating on (SE:INTRUM) stock is a Sell with a SEK50.00 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 Tender Offer Results for Senior Secured Notes

Intrum Justitia AB announced the results of its tender offers for senior secured exchange notes issued by its subsidiary, Intrum Investments and Financing AB. The offers, part of a recapitalization transaction, resulted in the acceptance of notes up to a maximum principal amount of €250 million at 94.4% of their nominal value. This move is expected to impact the company’s financial structuring and stakeholder interests by optimizing its debt profile.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK53.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum AB Calls Extraordinary General Meeting to Address Share Structure

Intrum AB has announced an Extraordinary General Meeting for its shareholders to be held on October 10, 2025, in Stockholm. The meeting will address several key agenda items, including the election of a chairperson, approval of the voting list, and resolutions regarding the directed issue and transfer of shares. This meeting is significant for stakeholders as it involves decisions that could impact the company’s share structure and governance.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK53.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Swedish FSA Closes Investigation into Intrum Sweden

The Swedish Financial Supervisory Authority (FSA) has concluded its investigation into Intrum Sweden’s compliance with the NPL regulation following the company’s reorganization process. The closure of the investigation without further action suggests a positive outcome for Intrum, potentially reinforcing its position in the credit management industry and reassuring stakeholders of its regulatory compliance.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK53.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum Appoints New CFO to Drive Strategic Transformation

Intrum has appointed Masih Yazdi as the new Group Chief Financial Officer, effective 15 September 2025. Yazdi, who brings extensive capital markets experience from his previous role as CFO at SEB, is expected to play a crucial role in Intrum’s ongoing transformation and strategic plan execution. His appointment is seen as a significant step in strengthening Intrum’s financial leadership and enhancing its market position.

The most recent analyst rating on (SE:INTRUM) stock is a Hold with a SEK53.00 price target. To see the full list of analyst forecasts on Intrum Justitia AB stock, see the SE:INTRUM Stock Forecast page.

Intrum AB 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.