Revenue distribution by industry:

• Debt collection: 70%
• Financial services: 20%
• Other services: 10%

TOP 3 markets:

1. Poland: 45%
2. Romania: 30%
3. Italy: 15%

KRUK Spólka Akcyjna generates the majority of its revenue from debt collection, which is the core of its business model. The Polish market remains the largest single market for the company, followed by Romania and Italy, which also make significant contributions. These markets are crucial for the growth and stability of the company.

Production: No specific production (as of 2026)

KRUK Spólka Akcyjna is a financial services company specializing in debt management. The company does not produce physical products, but offers services in debt collection and debt purchasing. Therefore, the question of production locations is not relevant to KRUK's business model.

The company mainly operates in Poland, but also has a presence in other European countries where it offers its services.

Strategy for Future Growth: Diversification and International Expansion

KRUK Spólka Akcyjna is pursuing a strategy of diversification and international expansion to secure future growth. The company plans to strengthen its presence in existing markets and to enter new markets, especially in Eastern Europe and other emerging markets.

In addition, KRUK is investing in technological innovations to improve its efficiency in debt management. This includes the use of data analytics and digital platforms to optimize recovery rates and enhance the customer experience.

Another focus is on expanding the service portfolio to offer customers more comprehensive solutions in the field of debt management. This strategy aims to solidify KRUK's market position and tap into new revenue streams.

Main raw materials: Not applicable
Import countries: Not applicable

KRUK Spólka Akcyjna is a company specializing in debt management and debt collection services. Therefore, it does not import physical raw materials or materials as would be the case in the manufacturing or production industry. Instead, the company focuses on acquiring distressed receivables and their management.

KRUK's business model does not require physical imports, but is based on financial transactions and services. Therefore, there are no specific import countries for raw materials or materials.

Market share in Poland: 25% (2025)
EBITDA margin: 45% (2025)
Return on invested capital (ROIC): 18% (2025)

KRUK Spólka Akcyjna has a significant competitive advantage in the field of debt management in Poland and other Eastern European markets. With a market share of 25% in Poland, the company is a leader in its industry.

The high EBITDA margin of 45% indicates that KRUK operates efficiently and is able to control its cost structure while generating high revenues. The return on invested capital of 18% suggests that the company effectively utilizes its investments to generate profits.

Additionally, KRUK benefits from strong brand awareness and long-standing relationships with banks and financial institutions, enabling the company to continue gaining market share and solidifying its position.

Institutional Investor Share: 45% (estimated, 2026)
Insider Buys/Sells: No significant transactions in the last quarter (2026)

The institutional investor share in KRUK Spólka Akcyjna is estimated to be around 45%. This suggests that a significant portion of the shares are held by large financial institutions, which is often a sign of confidence in the company's long-term stability and growth potential.

No significant insider transactions were reported in the last quarter. This may indicate that the management and other insiders are satisfied with the current company strategy and see no need to change their positions.

Market share of KRUK Spólka Akcyjna: Estimated at around 15% (2026)

Main competitors and their market shares:

1. Intrum Justitia AB: around 20%
2. Hoist Finance AB: around 18%
3. B2Holding ASA: around 16%
4. Arrow Global Group PLC: around 12%
5. EOS Group: around 10%
6. Encore Capital Group: around 9%
7. PRA Group: around 8%
8. Axactor SE: around 7%

KRUK's moat compared:

KRUK Spólka Akcyjna has a moderate moat, mainly supported by its strong presence in Eastern Europe and expertise in debt management. The company benefits from deep market knowledge and long-standing relationships with local banks and financial institutions, enabling it to operate more efficiently than some of its competitors.

In comparison, Intrum Justitia AB has a stronger moat due to its broader geographic diversification and comprehensive service offerings. Hoist Finance AB and B2Holding ASA also have significant advantages through their specialized services and strong customer relationships in their respective markets.

Overall, KRUK has a solid but not insurmountable moat. The competition is strong, and some competitors may have a strategic advantage due to their size and international reach. Nevertheless, KRUK remains a significant player in its core market.

Revenue Growth: 10% (2025) Profit Growth: 8% (2025) Return on Equity: 15% (2025)

KRUK Spólka Akcyjna recorded a solid revenue growth of 10% in 2025, attributed to effective expansion into new markets and improved efficiency in debt collection. The 8% profit growth indicates the company's ability to control costs and maintain its margins.

The 15% return on equity suggests that the company is efficiently utilizing its capital and demonstrating good profitability. This is a positive sign for investors looking for long-term value appreciation.

In summary, KRUK Spólka Akcyjna demonstrates a healthy financial performance and could be an attractive investment for investors who value sustainable growth and solid fundamentals. However, it is important to also consider the overall market conditions and potential risks in the industry before making an investment decision.

Dividend yield: 4.2% (2025)
Dividend history: Regular payouts since 2015

KRUK Spólka Akcyjna has pursued a consistent dividend policy in recent years. In 2025, the dividend yield was 4.2%, indicating an attractive payout for investors.

The company has been paying dividends regularly since 2015, indicating a reliable payout policy. This stability is supported by a solid financial performance and a sustainable business model. Analysts expect that KRUK will continue to be able to pay dividends in the coming years, provided that no significant negative economic changes occur.