AU · rank #3 · 2026-09-11
KRU
GPW · PLN · $2.03B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.645 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | -$0.50 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 0 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $523.40 | +35.2% |
| Momentum acceleration 3-month minus 12-month momentum. | -1.22% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 5.00 |
| Gross margin TTM | +74.1% |
| 52w high | $486.44 |
| Market cap (USD) | $2.03B |
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 Polish debt management group that purchases and services unsecured non-performing consumer and SME credit portfolios across Poland and Romania.
Rationale
The 35.2% analyst upside is supported by solid operational expansion, including an 8% year-on-year increase in H1 2026 cash EBITDA and a 12% growth in assets, making the recent stock price drop an attractive entry point.
Material risks
- 1Persistent downward EPS revisions over the last 90 days signal that analysts may soon cut their price targets to reflect flat H1 2026 net profits and muted revenue growth.
- 2A significant year-on-year decline in Q2 2026 new portfolio investments to PLN 351 million could limit future revenue generation and collection capacity.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.