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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 $786M
LTM EBITDA $406M
$2.7B
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 of $786M and a last 12-month EBITDA of $406M.
In the most recent fiscal year, Kruk S.A. achieved revenue of $566M and an EBITDA of $258M.
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| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $461M | $566M | XXX | XXX | XXX |
| Gross Profit | $219M | $245M | XXX | XXX | XXX |
| Gross Margin | 47% | 43% | XXX | XXX | XXX |
| EBITDA | $264M | $258M | XXX | XXX | XXX |
| EBITDA Margin | 57% | 46% | XXX | XXX | XXX |
| Net Profit | $207M | $253M | XXX | XXX | XXX |
| Net Margin | 45% | 45% | XXX | XXX | XXX |
| Net Debt | $944M | $1.3B | XXX | XXX | XXX |
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As of April 15, 2025, Kruk S.A.'s stock price is PLN 373 (or $96).
Kruk S.A. has current market cap of PLN 7.2B (or $1.9B), and EV of PLN 10.4B (or $2.7B).
See Kruk S.A. trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $2.7B | $1.9B | XXX | XXX | XXX | XXX | $14.29 |
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Sign UpAs of April 15, 2025, Kruk S.A. has market cap of $1.9B and EV of $2.7B.
Kruk S.A.'s trades at 3.4x LTM EV/Revenue multiple, and 6.6x LTM EBITDA.
Analysts estimate Kruk S.A.'s 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Kruk S.A. and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $2.7B | XXX | XXX | XXX |
| EV/Revenue | 4.7x | XXX | XXX | XXX |
| EV/EBITDA | 10.3x | XXX | XXX | XXX |
| P/E | 6.7x | XXX | XXX | XXX |
| P/E/Growth | 0.8x | XXX | XXX | XXX |
| EV/FCF | -19.1x | 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.
Sign UpKruk S.A.'s NTM/LTM revenue growth is 12%
Kruk S.A.'s revenue per employee for the last fiscal year averaged $0.2M, while opex per employee averaged $17K for the same period.
Over next 12 months, Kruk S.A.'s ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Kruk S.A.'s 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Kruk S.A. and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 23% | XXX | XXX | XXX | XXX |
| EBITDA Margin | 46% | XXX | XXX | XXX | XXX |
| EBITDA Growth | -2% | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | 57% | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.2M | XXX | XXX | XXX | XXX |
| Opex per Employee | $17K | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 1% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 26% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | 11% | XXX | 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 |
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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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Sign Up| 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 $1.9B |
| What is the current revenue of Kruk S.A.? | Kruk S.A.'s last 12-month revenue is $786M. |
| What is the current EBITDA of Kruk S.A.? | Kruk S.A.'s last 12-month EBITDA is $406M. |
| What is the current EV/Revenue multiple of Kruk S.A.? | Current revenue multiple of Kruk S.A. is 3.4x. |
| 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 revenue growth of Kruk S.A.? | Kruk S.A. revenue growth between 2023 and 2024 was 23%. |
| Is Kruk S.A. profitable? | Yes, Kruk S.A. is EBITDA-positive (as of the last 12 months). |
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