AU · rank #3 · 2026-07-22
KRU
GPW · PLN · $2.16B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 1.300 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.06 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $540.40 | +29.0% |
| Momentum acceleration 3-month minus 12-month momentum. | -9.83% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.50 |
| Gross margin TTM | +73.7% |
| 52w high | $486.44 |
| Market cap (USD) | $2.16B |
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 unsecured retail receivables across Central Europe and Italy and generating returns through multi-year recovery programs.
Rationale
Universal analyst agreement on upward EPS revisions (100% revision agreement, net_revisions_30d at 1.0) combined with a 28.97% consensus price target upside and a 4.5/5 analyst rating suggests a tightly-covered, high-conviction bullish re-rating thesis backed by Q1 2026 cash EBITDA growth of 6% and a 124% surge in portfolio investment.
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 already purchased at elevated prices, invalidating the return assumptions underpinning analyst target upgrades.
- 2Negative momentum acceleration (-9.83%) signals price momentum is decelerating despite positive fundamental revisions, meaning the re-rating catalyst may already be partially priced or facing near-term selling pressure before consensus targets are reached.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.