← Analyst Upside
AU · rank #4 · 2026-09-10
KRU
GPW · PLN · $2.08B (USD)
SignalHold
verdict · CAUTION
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.383 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | -$0.50 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 0 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $523.40 | +32.5% |
| Momentum acceleration 3-month minus 12-month momentum. | +0.08% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 5.00 |
| Gross margin TTM | +74.1% |
| 52w high | $486.44 |
| Market cap (USD) | $2.08B |
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 major European debt purchaser and credit management firm that acquires and services unsecured non-performing consumer debt portfolios.
Rationale
The substantial 32.5% analyst upside and top-tier rating are supported by resilient operations, where Q2 2026 recoveries rose 5% year-on-year to PLN 1,039m, overshadowing temporary FX-driven EPS revisions.
Material risks
- 1Dependence on banks continuing to sell non-performing loan portfolios rather than deciding to manage recoveries entirely in-house.
- 2Exposure to debt market disruptions given the group's heavy reliance on continuous bond issuance to fund large-scale portfolio acquisitions.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.
OpenAI
Caution
Claude
Caution
Gemini
Proceed