AU · rank #4 · 2026-07-24
KRU
GPW · PLN · $2.10B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.976 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.06 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $540.40 | +32.5% |
| Momentum acceleration 3-month minus 12-month momentum. | -10.47% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.50 |
| Gross margin TTM | +73.7% |
| 52w high | $486.44 |
| Market cap (USD) | $2.10B |
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 (KRU@GPW) 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
100% analyst revision agreement, a 32.5% consensus upside target, and a 4.5/5 internal rating signal unusually strong and aligned analyst conviction for a small-cap credit servicer, reinforced by Q1 2026 EPS growth and a 124% surge in portfolio investment that underpins forward earnings visibility.
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, hitting the very earnings base analysts are upgrading.
- 2Momentum acceleration is negative at -10.5%, meaning price has been decelerating despite the bullish analyst setup — the 32% upside gap may reflect analyst optimism lagging a market that is already discounting macro or regulatory headwinds.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.