June 2026
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Largest Specialty Finance Public Companies in Poland
Benchmark revenue and EBITDA valuation multiples for public comps like
Kruk S.A., BEST S.A., Indos, Novina and Kancelaria Prawna Inkaso.
 | Kruk SA is the leader in the debt collection industry. It manages debts purchased on its own account and contracted by third parties. The group manages bank debt (the main client category), debts owed to loan brokers, insurance companies, leasing firms, fixed-line and mobile phone operators, cable TV companies, digital TV platforms and FMCG companies. The Group manages debt in three segments consumer debts, mortgage debts and corporate debts. Consumer debts include retail and unsecured. Mortgage debts include retail, and secured. Corporate debts include mortgage-backed and non-mortgage-backed. Geographically the company operates in segments Poland, Romania, Italy, Spain, and Other foreign markets. | $109 | 0% | $2B | $3B | 3.5x | 6.8x | ||
| Przedsiebiorstwo Handlowe Best SA is a Poland based company engaged in the business of debt collection. It provides debt collection services for third parties, including banks, borrowing companies, telecommunication operators, power companies, and other mass service providers. | $9 | +34% | $257M | $649M | 4.9x | 22.9x | ||
| Indos SA is a factoring and debt collection company. It specializes in debt collection, factoring, debt purchase and corporate finance. | $1 | -9% | $7M | $16M | 2.7x | 5.2x | ||
| Novina Pozyczkihipoteczne.Eu SA formerly Novina SA is an investment company engaged in the financing of projects. The company operates in areas including private equity and secured loan. | $0 | -10% | $6M | $7M | 3.7x | 5.7x | ||
| Kancelaria Prawna - Inkaso Wec SA is engaged in recovering unpaid dues. The company's services include Debt Collection, Mass Recovery, Purchase of Receivables, Exchange of Receivables, Redemption, Prevention, Compensation, Microfactoring, Law Firm and Training Services. | $1 | +1% | $5M | $16M | 3.5x | 14.3x | ||
| NPL Nova SA is a Poland based company engaged in the debt collection services. It specializes in recovering the amounts due to economic turnover and providing debt management services. | $1 | -4% | $3M | $4M | 3.1x | (70.8x) | ||
| Fon SE is engaged in financial activities and capital investments. The company offers medium-term cash loans to retail clients and small businesses and generates revenue through interest on loans granted. Geographically, it derives a majority of its revenue from its customers in Poland and the rest from Estonia. | $0 | -80% | $3M | $2M | 2.3x | 2.5x | ||
| PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities. | $0 | +44% | $3M | $2M | 2.2x | 67.0x | ||
| Dr.Finance SA is a financial intermediary in the sale of loans and other financial products. It operates in the business of Working capital loans, Investment loans, Leasing, and Factoring. | $0 | +84% | $2M | $2M | 1.2x | (20.4x) | ||
| Wierzyciel SA is a Poland based company engaged in the consumer financial services provision. The company also operates on the cash loan sales market. | $0 | +27% | $1M | $984K | 1.3x | (43.8x) | ||
| One Solution SA is a joint-stock company dealing with the purchase of primary and secondary business debt portfolios (B2B) as well as debt collection on orders. The company operates in the debt collection market, offering a wide range of debt management services. | $0 | -2% | $1M | $750K | 1.7x | 19.6x | ||
| Ditix SA, formerly FTI Profit SA is engaged in the acquisition of packages of monetary and consumer receivables on own account, originating from bank loans or other similar loans such as telecommunications, railway tickets and others. | $0 | +8% | $1M | $1M | 15.0x | 94.0x | ||
| LexBono SA is a debt collection company. It covers a comprehensive range of activities such as monitoring and supervision, amicable, remote and field debt collection, court enforcement and others. | $0 | -54% | $671K | $2M | 3.2x | 160.5x | ||
| Akcept Finance SA provides various financial services to micro-enterprises, SMEs, and publicly traded companies. The company's financial services include full factoring services, half-factoring, discounting of bills and funds raising in Europe. | $0 | +13% | $337K | $1M | 73.4x | (16.3x) | ||
| Femion Technology SA operates as a holding company; its main business activity is: Acquisition of blocks of shares or stakes in business enterprises; Consulting and management of companies belonging to the Capital Group; Obtaining financing for companies of the Capital Group; IT system licensing. | $0 | -96% | $248K | ($2M) | (1.5x) | 43.7x | ||
| Marka SA is a financial institution. The company is engaged in granting cash loans to natural persons. The company offers loans in two variants: a loan with a representative service in the customer's home with weekly installments and a loan to a bank account with monthly installments. | $0 | -37% | $221K | $4M | 17.0x | (18.4x) | ||
| Median | $0 | -1% | $2M | $2M | 3.1x | 6.2x |
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