Kruk S.A. Valuation Multiples

Kruk S.A. Overview

About Kruk S.A.

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.

Founded

1998

HQ

Employees

3.5K

Website

pl.kruk.eu

Sectors

Specialty FinanceFinTech

Financials (LTM)

Revenue: $899M

EBITDA: $464M

EV

$3B

Valuation Multiples

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Kruk S.A. Financials

Kruk S.A. reported last 12-month revenue of $899M and EBITDA of $464M.

In the same LTM period, Kruk S.A. generated $464M in EBITDA and $311M in net income.

Kruk S.A. P&L

In the most recent fiscal year, Kruk S.A. reported revenue of $889M and EBITDA of $458M.

Kruk S.A. expects next 12-month revenue of XXX and NTM EBITDA of XXX

Kruk S.A. Stock Performance

Kruk S.A. has current market cap of $2B, and enterprise value of $3B.

Kruk S.A.'s stock price is $127.77.

Kruk S.A. Valuation Multiples

Kruk S.A. trades at 3.7x EV/Revenue multiple, and 7.2x EV/EBITDA.

Kruk S.A. Financial Valuation Multiples

As of March 7, 2026, Kruk S.A. has market cap of $2B and EV of $3B.

Equity research analysts estimate Kruk S.A.'s 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Kruk S.A. has a P/E ratio of 8.0x.

Kruk S.A. Margins & Growth Rates

Kruk S.A.'s revenue in the last 12 month grew by 7%.

Kruk S.A.'s revenue per employee in the last FY averaged $0.3M.

Kruk S.A.'s rule of 40 is 59% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Kruk S.A.'s rule of X is 70% (created by Bessemer, rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

Kruk S.A. Public Comps

See public comps and valuation multiples for other Specialty Finance comps.

Kruk S.A. M&A Activity

Kruk S.A. acquired XXX companies to date.

Last acquisition by Kruk S.A. was on XXXXXXXX, XXXXX. Kruk S.A. acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).

Kruk S.A. Investment Activity

Kruk S.A. invested in XXX companies to date.

Kruk S.A. made its latest investment on XXXXXXXX, XXXXX. Kruk S.A. invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).