Kruk SA
LSE:0Q3Y
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Sempra Energy
NYSE:SRE
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US |
EV/EBIT
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Valuation Scenarios
If EV/EBIT returns to its 3-Year Average (7.7), the stock would be worth zł252.84 (1% downside from current price).
| Scenario | EV/EBIT Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 7.8 | zł256 |
0%
|
| 3-Year Average | 7.7 | zł252.84 |
-1%
|
| 5-Year Average | 7.9 | zł260.92 |
+2%
|
| Industry Average | 8 | zł261.13 |
+2%
|
| Country Average | 11.3 | zł369.84 |
+44%
|
Forward EV/EBIT
Today’s price vs future ebit
| Today's Enterprise Value | EBIT | Forward EV/EBIT | ||
|---|---|---|---|---|
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zł15.7B
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/ |
Jan 2026
zł2B
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= |
|
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zł15.7B
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/ |
Dec 2026
zł1.8B
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= |
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zł15.7B
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/ |
Dec 2027
zł2B
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= |
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zł15.7B
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/ |
Dec 2028
zł2.2B
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= |
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zł15.7B
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/ |
Dec 2029
zł2.3B
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= |
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zł15.7B
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/ |
Dec 2030
zł2.5B
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= |
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zł15.7B
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/ |
Dec 2031
zł2.7B
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= |
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zł15.7B
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/ |
Dec 2032
zł2.8B
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= |
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zł15.7B
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/ |
Dec 2033
zł2.9B
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= |
|
Forward EV/EBIT shows whether today’s EV/EBIT still looks high or low once future ebit are taken into account.
Peer Comparison
| Market Cap | EV/EBIT | P/E | ||||
|---|---|---|---|---|---|---|
| PL |
K
|
Kruk SA
LSE:0Q3Y
|
9.2B PLN | 7.8 | 8.5 | |
| US |
|
American Express Co
NYSE:AXP
|
215.5B USD | 27.5 | 20.1 | |
| US |
|
Capital One Financial Corp
NYSE:COF
|
117.9B USD | 0 | 40.8 | |
| IN |
|
Bajaj Finance Ltd
NSE:BAJFINANCE
|
5.7T INR | 26.1 | 31.6 | |
| US |
|
Discover Financial Services
NYSE:DFS
|
50.3B USD | 0 | 9.1 | |
| US |
|
Synchrony Financial
NYSE:SYF
|
25.7B USD | 0 | 7.3 | |
| IN |
|
Shriram Finance Ltd
NSE:SHRIRAMFIN
|
2.4T INR | 26.7 | 20.5 | |
| US |
|
SoFi Technologies Inc
NASDAQ:SOFI
|
23.4B USD | 0 | 48.7 | |
| KZ |
K
|
Kaspi.kz AO
NASDAQ:KSPI
|
16.3B USD | 0 | 0 | |
| IN |
|
Muthoot Finance Ltd
NSE:MUTHOOTFIN
|
1.4T INR | 21.5 | 16 | |
| IN |
|
Tata Capital Ltd
NSE:TATACAP
|
1.4T INR | 12.6 | 32.1 |
Market Distribution
| Min | 0.5 |
| 30th Percentile | 8.1 |
| Median | 11.3 |
| 70th Percentile | 16 |
| Max | 313.7 |
Other Multiples
Kruk SA
Glance View
Kruk SA, founded in 1998, has grown to become a leader in the debt management industry across Central and Eastern Europe. The company carved out its niche by offering comprehensive end-to-end credit management services. Kruk's primary business revolves around purchasing large portfolios of non-performing loans (NPLs) from banks and other financial institutions at a discount. Once acquired, Kruk employs its expertise in debt collection to recover these loans, using a diligent and client-sensitive approach. They pride themselves on treating debtors with respect and working towards constructive solutions that aim to rehabilitate their financial situations, ultimately maximizing the recovery rate for each portfolio. In addition to its core NPL business, Kruk has diversified to include credit management services extending beyond debt recovery. This includes offering outsourcing solutions to manage receivables for other businesses, showcasing its expertise in risk assessment, and financial restructuring. The company's substantial data-driven insights into debtor behavior enhance its ability to tailor its strategies effectively, ensuring both profitability and long-term sustainability. Kruk's operations are not just limited to Poland; it has expanded its footprint to Romania, the Czech Republic, Slovakia, Germany, and beyond, reflecting its robust business model and versatility in adapting to varying financial landscapes. This cross-border expansion underscores its commitment to maintaining a leadership stance in the integrated money management market.
