AU · rank #2 · 2026-07-27
KRU
GPW · PLN · $2.13B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.957 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.06 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $540.40 | +31.4% |
| Momentum acceleration 3-month minus 12-month momentum. | -9.08% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.50 |
| Gross margin TTM | +73.7% |
| 52w high | $486.44 |
| Market cap (USD) | $2.13B |
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 leading European debt purchasing and management firm specializing in acquiring and recovering non-performing loan portfolios across Poland, Italy, and Spain.
Rationale
The analyst_upside signal is validated by 100% positive revision agreement, a 4.5 consensus rating, and a 31.4% target price upside, backed by solid Q1 2026 results including a 6% increase in cash EBITDA and a 25% expansion in portfolio investments.
Material risks
- 1Adverse regulatory and legal changes within Poland and the wider EU that restrict debt collection practices and deteriorate unit economics.
- 2Continued weakness in the consumer loan segment, which saw Q1 2026 EBITDA drop 50% year-on-year to PLN 21m, or a contraction in the favorable NPL supply backdrop.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.