AU · rank #3 · 2026-07-23
KRU
GPW · PLN · $2.16B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 1.186 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/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. | -9.21% |
| 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 recoveries through proprietary collection operations.
Rationale
With 100% analyst revision agreement, a 29% consensus upside, and a 4.5/5 analyst rating from a tight but aligned three-analyst panel, the analyst_upside signal is reinforced by Q1 2026 results showing 124% y/y surge in portfolio investment and 6% cash EBITDA growth, suggesting analysts are upgrading on accelerating capital deployment into a favorable debt supply environment.
Material risks
- 1Regulatory tightening on consumer debt collection in Poland or the EU could directly compress recovery rates on the PLN 1.74 billion in nominal portfolios purchased in Q1 2026, invalidating the capital-deployment growth thesis at its core.
- 2Momentum acceleration is negative at -9.2%, and the small analyst count of three means a single downgrade or target cut would sharply shift the consensus metrics that drive this screen's signal.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.