AU · rank #3 · 2026-07-21
KRU
GPW · PLN · $2.15B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 1.007 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.06 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $540.40 | +29.4% |
| Momentum acceleration 3-month minus 12-month momentum. | -12.38% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.50 |
| Gross margin TTM | +73.7% |
| 52w high | $486.44 |
| Market cap (USD) | $2.15B |
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 Poland's leading debt portfolio investor and collector, purchasing distressed consumer receivables across Europe and generating recoveries through proprietary collection operations.
Rationale
Universal analyst agreement on upward EPS revisions (100% revision agreement, net_revisions_30d at 1.0) combined with a 29% consensus price target upside and a 4.5/5 analyst rating supports the analyst_upside signal, while Q1 2026 results show accelerating portfolio investment (+124% y/y) that underpins forward earnings growth.
Material risks
- 1Regulatory tightening on debt collection practices in Poland or the EU could directly compress recovery rates on the PLN 513M of Q1 portfolios just purchased at elevated prices, invalidating the forward earnings ramp the consensus is pricing in.
- 2Momentum acceleration is negative (-12.4%), suggesting the stock has recently decelerated despite the fundamental story, which raises the risk that the 29% analyst upside reflects stale targets rather than near-term price catalysts.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.