AU · rank #5 · 2026-07-20
KRU
GPW · PLN · $2.14B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.892 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.06 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $540.40 | +30.5% |
| Momentum acceleration 3-month minus 12-month momentum. | -13.32% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.50 |
| Gross margin TTM | +73.7% |
| 52w high | $486.44 |
| Market cap (USD) | $2.14B |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
Kruk SA is a vertically integrated European debt purchaser and collector focused predominantly on unsecured retail receivables, with consumer lending operations under the Wonga brand across multiple markets.
Rationale
100% analyst revision agreement, a 30.5% consensus upside, and a 4.5/5 internal rating signal unusually tight bullish conviction among the three covering analysts, reinforced by accelerating portfolio investments (doubling y/y in Q1 2026) and management's explicit ≥12% gross profit growth target for 2026.
Material risks
- 1The analyst coverage base is only three analysts, meaning the 100% revision agreement and 30% upside reflect a thin consensus that can reverse sharply on a single downgrade or miss — the signal's apparent strength is partly a small-sample artifact.
- 2Negative momentum acceleration (-13.3%) signals the price trend is decelerating despite fundamental strength, suggesting the market may already be discounting near-term headwinds such as rising portfolio acquisition costs or regulatory pressure on debt collection in core markets like Poland or Italy.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.