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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.
1998
3.4K+
LTM Revenue $823M
LTM EBITDA $419M
$2.8B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Kruk S.A. has a last 12-month revenue (LTM) of $823M and a last 12-month EBITDA of $419M.
In the most recent fiscal year, Kruk S.A. achieved revenue of $584M and an EBITDA of $266M.
Kruk S.A. expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Kruk S.A. valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $823M | XXX | $584M | XXX | XXX | XXX |
| Gross Profit | $823M | XXX | $311M | XXX | XXX | XXX |
| Gross Margin | 100% | XXX | 53% | XXX | XXX | XXX |
| EBITDA | $419M | XXX | $266M | XXX | XXX | XXX |
| EBITDA Margin | 51% | XXX | 46% | XXX | XXX | XXX |
| EBIT | $405M | XXX | $250M | XXX | XXX | XXX |
| EBIT Margin | 49% | XXX | 43% | XXX | XXX | XXX |
| Net Profit | $284M | XXX | $285M | XXX | XXX | XXX |
| Net Margin | 35% | XXX | 49% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $1.7B | XXX | XXX | XXX |
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As of May 30, 2025, Kruk S.A.'s stock price is PLN 392 (or $104).
Kruk S.A. has current market cap of PLN 7.6B (or $2.0B), and EV of PLN 10.4B (or $2.8B).
See Kruk S.A. trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $2.8B | $2.0B | XXX | XXX | XXX | XXX | $14.30 |
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Start Free TrialAs of May 30, 2025, Kruk S.A. has market cap of $2.0B and EV of $2.8B.
Kruk S.A.'s trades at 4.7x EV/Revenue multiple, and 10.3x EV/EBITDA.
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 7.1x.
See valuation multiples for Kruk S.A. and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $2.0B | XXX | $2.0B | XXX | XXX | XXX |
| EV (current) | $2.8B | XXX | $2.8B | XXX | XXX | XXX |
| EV/Revenue | 3.3x | XXX | 4.7x | XXX | XXX | XXX |
| EV/EBITDA | 6.6x | XXX | 10.3x | XXX | XXX | XXX |
| EV/EBIT | 6.8x | XXX | 11.0x | XXX | XXX | XXX |
| EV/Gross Profit | 3.3x | XXX | n/a | XXX | XXX | XXX |
| P/E | 7.1x | XXX | 7.1x | XXX | XXX | XXX |
| EV/FCF | -16.6x | XXX | -19.2x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialKruk S.A.'s last 12 month revenue growth is 11%
Kruk S.A.'s revenue per employee in the last FY averaged $0.2M, while opex per employee averaged $18K for the same period.
Kruk S.A.'s rule of 40 is 69% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Kruk S.A.'s rule of X is 79% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Kruk S.A. and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 11% | XXX | 29% | XXX | XXX | XXX |
| EBITDA Margin | 51% | XXX | 46% | XXX | XXX | XXX |
| EBITDA Growth | 8% | XXX | 26% | XXX | XXX | XXX |
| Rule of 40 | 69% | XXX | 57% | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | 79% | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $18K | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 1% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 11% | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Liberty Financial Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Latitude Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Kruk S.A. acquired XXX companies to date.
Last acquisition by Kruk S.A. was XXXXXXXX, XXXXX XXXXX XXXXXX . Kruk S.A. acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Kruk S.A. founded? | Kruk S.A. was founded in 1998. |
| Where is Kruk S.A. headquartered? | Kruk S.A. is headquartered in Poland. |
| How many employees does Kruk S.A. have? | As of today, Kruk S.A. has 3.4K+ employees. |
| Is Kruk S.A. publicy listed? | Yes, Kruk S.A. is a public company listed on WAR. |
| What is the stock symbol of Kruk S.A.? | Kruk S.A. trades under KRU ticker. |
| When did Kruk S.A. go public? | Kruk S.A. went public in 2011. |
| Who are competitors of Kruk S.A.? | Similar companies to Kruk S.A. include e.g. Credit Clear, Humm Group, Liberty Financial Group, Latitude Financial Services. |
| What is the current market cap of Kruk S.A.? | Kruk S.A.'s current market cap is $2.0B |
| What is the current revenue of Kruk S.A.? | Kruk S.A.'s last 12 months revenue is $823M. |
| What is the current revenue growth of Kruk S.A.? | Kruk S.A. revenue growth (NTM/LTM) is 11%. |
| What is the current EV/Revenue multiple of Kruk S.A.? | Current revenue multiple of Kruk S.A. is 3.3x. |
| Is Kruk S.A. profitable? | Yes, Kruk S.A. is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of Kruk S.A.? | Kruk S.A.'s last 12 months EBITDA is $419M. |
| What is Kruk S.A.'s EBITDA margin? | Kruk S.A.'s last 12 months EBITDA margin is 51%. |
| What is the current EV/EBITDA multiple of Kruk S.A.? | Current EBITDA multiple of Kruk S.A. is 6.6x. |
| What is the current FCF of Kruk S.A.? | Kruk S.A.'s last 12 months FCF is -$166M. |
| What is Kruk S.A.'s FCF margin? | Kruk S.A.'s last 12 months FCF margin is -20%. |
| What is the current EV/FCF multiple of Kruk S.A.? | Current FCF multiple of Kruk S.A. is -16.6x. |
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