Intrum Justitia AB (SE:INTRUM)
:INTRUM
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Intrum Justitia AB
(INTRUM)
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Rating:43Neutral
Price Target:
kr4.00
▼(-91.12% Downside)
Action:Upgraded
Date:06/10/26
The score is held down primarily by weak financial quality (net losses, very high leverage) despite positive free cash flow, and by clearly bearish technicals with the stock trading well below major moving averages and a negative MACD. Valuation is difficult to support because the company is loss-making and dividend yield data is unavailable.
Positive Factors
Cash generation resilience
Intrum's ability to produce positive operating and free cash flow while reporting net losses indicates persistent cash-generative operations. This durable cash generation supports servicing debt, funding portfolio purchases, and operational continuity even during earnings volatility.
Negative Factors
Very high leverage
A debt-to-equity ratio around 4.1x materially constrains financial flexibility. High leverage raises refinancing and interest-rate sensitivity, limits capacity for opportunistic portfolio purchases, and increases downside risk if collection rates or funding costs deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation resilience
Intrum's ability to produce positive operating and free cash flow while reporting net losses indicates persistent cash-generative operations. This durable cash generation supports servicing debt, funding portfolio purchases, and operational continuity even during earnings volatility.
Read all positive factors
Intrum Justitia AB (INTRUM) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr10.54B
Dividend YieldN/A
Average Volume (3M)629.19K
Price to Earnings (P/E)―
Beta (1Y)1.24
Revenue Growth-4.01%
EPS Growth50.66%
CountrySE
Employees9,042
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-2.75
Shares Outstanding2,569,500,000
10 Day Avg. Volume588,903
30 Day Avg. Volume629,191
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)2.27
Price to Sales (P/S)1.45
P/FCF Ratio5.43
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
kr28.00Price Target Upside-37.81% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.56
Revenue Forecast (FY)kr16.51B
Intrum Justitia AB Business Overview & Revenue Model
Company Description
Intrum AB (publ), along with its affiliated companies, delivers a broad spectrum of credit management and financial services to clients across Europe and globally. The company's services include credit optimization, featuring aspects like credit m...
How the Company Makes Money
Intrum primarily makes money through two broad activity areas: (1) service-based credit management and (2) investing in debt portfolios.
1) Service-based credit management (fee-for-service):
- Debt collection (third-party/contingent collections):...
Intrum Justitia AB Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
22
Negative
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.35B | 17.05B | 18.03B | 17.70B | 19.13B | 17.79B |
| Gross Profit | 11.84B | 11.98B | 7.96B | 8.30B | 10.12B | 8.23B |
| EBITDA | 3.38B | 5.46B | 4.70B | 4.43B | 2.48B | 7.93B |
| Net Income | -1.90B | -1.43B | -3.70B | -187.00M | -4.47B | 3.13B |
Balance Sheet | ||||||
| Total Assets | 70.88B | 65.47B | 77.54B | 90.21B | 88.71B | 88.91B |
| Cash, Cash Equivalents and Short-Term Investments | 3.40B | 2.57B | 2.39B | 3.62B | 3.43B | 4.55B |
| Total Debt | 46.73B | 43.99B | 51.41B | 60.48B | 57.23B | 53.31B |
| Total Liabilities | 55.88B | 52.69B | 62.07B | 71.28B | 67.51B | 64.22B |
| Stockholders Equity | 13.39B | 10.85B | 13.39B | 16.75B | 18.54B | 21.70B |
Cash Flow | ||||||
| Free Cash Flow | 4.05B | 4.54B | 3.83B | 4.96B | 4.63B | 9.71B |
| Operating Cash Flow | 4.16B | 4.57B | 4.42B | 5.11B | 4.99B | 10.04B |
| Investing Cash Flow | -1.48B | -1.56B | 9.20B | -2.56B | -1.63B | -8.01B |
| Financing Cash Flow | -2.62B | -2.46B | -15.29B | -2.26B | -4.88B | 401.00M |
Intrum Justitia AB Technical Analysis
Neutral
45.02
Price Trends
5.84
Negative
7.20
Negative
8.00
Negative
Market Momentum
-0.44
Negative
51.27
Neutral
69.98
Neutral
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 45.02 is above the 20-day moving average (MA) of 3.82, above the 50-day MA of 5.84, and above the 200-day MA of 8.00, indicating a neutral trend. The MACD of -0.44 indicates Negative momentum. The RSI at 51.27 is Neutral, neither overbought nor oversold. The STOCH value of 69.98 is Neutral, 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)
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Intrum Justitia AB
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SE:LEA
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Intrum Justitia AB Corporate Events
Moody’s Lifts Intrum’s Credit Rating After SEK 7.5bn Capital Raise Approval
Jun 12, 2026
Moody’s has upgraded Intrum’s corporate family rating by two notches to B3 from Caa2 with a stable outlook, following shareholder approval of the company’s fully underwritten SEK 7.5 billion capital raise. The agency also raised ...
Intrum launches 2026 cash-based incentive plan for key executives
Jun 12, 2026
Intrum has adopted a new long-term incentive plan for 2026 aimed at up to 46 key executives, including its CEO and executive management, in line with remuneration guidelines approved at its April 2026 AGM. The cash-based program requires participa...
Intrum Publishes Prospectus for SEK 7.5 Billion Capital Raise
Jun 12, 2026
Intrum AB has published the prospectus for its fully guaranteed SEK 7.5 billion capital raise, comprising a directed share issue of about SEK 1.5 billion and a fully underwritten rights issue of approximately SEK 6 billion. The capital raise, appr...
Intrum Launches First SEK 1 Billion Tranche of Directed Share Issue
Jun 11, 2026
Intrum AB has launched the first tranche of a previously announced SEK 7.5 billion capital raise, resolving on a directed share issue of about SEK 1 billion to selected institutional and strategic investors. This First Directed Issue, priced at SE...
Intrum Secures Shareholder Approval for SEK 7.5 Billion Capital Raise and Delays Q2 Report
Jun 9, 2026
Intrum AB’s extraordinary general meeting has approved a SEK 7.5 billion capital raise, combining a SEK 1.5 billion directed share issue to selected investors with a fully guaranteed SEK 6 billion rights issue. The capital increase, which in...
Intrum Sets Terms for Fully Underwritten SEK 7.5 Billion Capital Raise
Jun 3, 2026
Intrum AB has set the terms for a fully guaranteed SEK 7.5 billion capital raise, combining an approximately SEK 6 billion rights issue with a SEK 1.5 billion directed share issue at a subscription price of SEK 2.45 per share. The move, backed by ...
Intrum Releases Detailed Strategy Update Tied to SEK 7.5 Billion Capital Raise
May 20, 2026
Intrum AB has published a supplementary investor presentation detailing its Intrum 2030 strategy and the approximate SEK 7.5 billion capital raise announced earlier in May 2026. The materials, available on the company’s website, aim to give ...
Intrum Enters First Eastern European Co-Investment with Hungarian NPL Deal
May 18, 2026
Intrum AB has completed its first co-investment transaction in Eastern Europe, acquiring a secondary market non-performing loan portfolio in Hungary with a total face value of about HUF 41 billion across roughly 25,000 accounts. The deal is execut...
Intrum calls June EGM to seek approval for capital structure changes
May 8, 2026
Intrum AB has called an Extraordinary General Meeting of shareholders to be held on 9 June 2026 in Stockholm, setting out the formal requirements for attendance, registration and proxy representation. Shareholders must be registered with Euroclear...
Intrum launches SEK 7.5 billion equity raise to speed deleveraging and fund growth
May 7, 2026
Intrum AB plans to raise approximately SEK 7.5 billion in new equity through a directed share issue and a fully underwritten rights issue to selected and existing investors. The move is backed by the board and top management, who intend to partici...
Intrum Justitia Launches New Strategy as Capital Raise Targets Deleveraging
May 7, 2026
Intrum Justitia’s first quarter of 2026 marked the launch of its new strategy, with overall financial performance in line with plans as cost reductions ran ahead of schedule while servicing income lagged slightly, both influenced by foreign ...
Intrum to Present First‑Quarter 2026 Results in Webcast and Teleconference
Apr 23, 2026
Intrum will publish its interim results for the January–March 2026 period on 7 May at 07:00 CET and present the report in an English‑language webcast and teleconference at 09:00 CET the same day. President and CEO Johan Åkerblom a...
Intrum AGM Backs Board, Halts Dividend and Extends Capital-Raising Mandate
Apr 22, 2026
Intrum AB’s 2026 Annual General Meeting approved the 2025 financial statements and confirmed that no dividend will be paid for the year, underscoring a continued focus on preserving capital in a challenging operating environment. The meeting...
Intrum Warns Late Payments Are Threatening European Growth
Apr 21, 2026
Late payments across Europe have risen above 12 percent of revenues, surpassing what businesses consider a sustainable threshold and putting pressure on cash flow, according to Intrum’s 29th European Payment Report. More than half of compani...
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...
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.