KRUK Spólka Akcyjna stock
KRU.WAWSEFinancial ServicesISIN PLKRK0000010
71Score 71 out of 100, Strong
Price and trend
35 / 100
Price history
−29% in one yearThe chart shows daily closes over 16 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 21% below it.
Since May 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 33).
The price is 34% below its 52-week high. Largest decline in 16 years: 82% (August 2017 to March 2020).
Chart figures for advanced users
- SMA 50$91.46
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$105.85
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)33
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$82.78
- The lowest closing price of the last twelve months.
- Resistance$127.02
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- KRUK Spólka Akcyjna belongs to the Financial (Credit Services) industry (Poland) and, with a market value of $1.63B, is number 40 of 59 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $495.02M (down 9.5% year on year) and earnings of $273.01M (up 1%).
- MEQIRI Score 71 out of 100 (Strong): rank 371 of 975 in Financial Services, median 68.
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- The P/E is 7 (Financial (Credit Services) median 11.8, own median of recent years 9.2).
- Our model puts fair value at $171.03, with the price 51% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 67.1% a year since 2020.Growth 91
- High return on equityReturn on equity 17.3% over the last 12 months.Profitability 75
- Below fair valuePrice 51% below the fair value of $171.03.Valuation 100
Weaknesses
- Margin may fall backOperating margin 108.5%, average of the prior years 70.1%, which ranged from 29.1% to 74.5%. After peaks like this, the margin was more than a quarter lower two years later in 44 of 100 cases, against 24 of 100 for other companies with high margins.
Its standout strengths are valuation and fundamentals, while technical analysis and momentum hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 72 to 71.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
- price far below its 52-week high
- weak momentum
What lowers it
- solid fundamentals
- calm price action
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $131.56 and expensive above $244.32 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $201.94 (excess return model) and $140.12 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 12.3%. At 13.3% the fair value would be $158.06, at 11.3% it would be $188.48.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 1.5% on the twelve months before. Revenue has grown strongly since 2005, at around 16% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 108%, net 55%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 40%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 4 Mar 2027in 111 days
- Last reported
- 27 Oct 2026EPS reported $2.55
Analyst estimates
Analysts have cut their 2027 earnings estimate by 11.3% since 26 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $12.13−11.0%
- Revenue
- $802.41M−1.5%
- Earnings per share
- $13.94−11.3%
- Revenue
- $887.78M−2.3%
MEQIRI has stored the estimates since 26 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook lowered
Share price after the results: −6.0%KRUK lowered its outlook for full year 2026: net profit and revaluation gains are below plan, full year results may come in below 2025, and the investment guideline was cut to around PLN 2 billion from about PLN 2.3 billion.
“And in a year or 2 years, it will turn out that we can buy portfolios at lower prices at better IRRs, and we will win.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 28 Oct 2026 (fiscal Q3 2026), read by AI.
What happened at KRUK Spólka Akcyjna
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 71
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Western UnionWU $2.08B61
- Federal Agricultural MortgageAGM $1.9B67
- Upstart HoldingsUPST $1.89B31
- Hoist FinanceHOFI.ST $1.8B79
- EZCORPEZPW $1.58B68
- Moltiply GroupMOL.MI $1.55B61
- PROG HoldingsPRG $1.47B68
- Atlanticus HoldingsATLC $1.22B78
ETFs that hold KRUK Spólka Akcyjna
Held by 11 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Expat Poland WIG20 UCITS ETFPLX | 1.02% | 6.80% | €1.83M |
| iShares MSCI EM Small Cap UCITS ETFEUNI | 0.10% | 0.74% | €279.38M |
| State Street SPDR MSCI Emerging Markets Small Cap UCITS ETFSPYX | 0.09% | 0.55% | €528.3M |
Show 5 more
| Avantis Emerging Markets Equity UCITS ETF USD AccAVEM | 0.02% | 0.35% | €284.54M |
| iShares Core MSCI EM IMI UCITS ETFIS3N | 0.01% | 0.18% | €37.98B |
| iShares MSCI EM IMI Screened UCITS ETF USD (Acc)AYEM | 0.01% | 0.18% | €5.26B |
| Vanguard ESG Global All Cap UCITS ETF (USD) AccumulatingV3AA | 0.00% | 0.24% | €1.69B |
| State Street SPDR MSCI All Country World Investable Market UCITS ETF (Acc)SPYI | 0.00% | 0.17% | €8.84B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = PLN 3.9742)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 3 Apr 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.