Interim Reports 3Q 2025
The Management Board of KRUK S. A. publishes KRUK Group’s report for the period January 1st- September 30th 2025, issued on October 29th 2025.
The report consists of three parts:
- KRUK Group FS Q3 2025_1part
- KRUK FS Q3 2025_2part
- KRUK's Q3 2025 additional information_3part
Financial highlights
|
Financial highlights |
PLN ‘000 |
EUR ‘000 |
||
|
For the period |
1 Jan–30 Sep 2025 unaudited |
1 Jan–30 Sep 2024 unaudited |
1 Jan–30 Sep 2025 unaudited |
1 Jan–30 Sep 2024 unaudited |
|
Revenue |
2,403,047 |
2,324,643 |
567,225 |
540,338 |
|
Operating profit |
1,218,959 |
1,246,785 |
287,728 |
289,802 |
|
Profit before tax |
891,035 |
957,498 |
210,323 |
222,560 |
|
Net profit attributable to owners of the Parent |
876,620 |
958,753 |
206,921 |
222,852 |
|
Net cash from operating activities |
427,693 |
95,197 |
100,954 |
22,128 |
|
Purchase of debt portfolios at prices as per agreement |
1,426,964 |
1,642,678 |
336,826 |
381,823 |
|
Cash recoveries |
2,920,909 |
2,601,666 |
689,463 |
604,729 |
|
Net cash from investing activities |
(56,349) |
(17,421) |
(13,301) |
(4,049) |
|
Net cash from financing activities |
(271,908) |
(287,874) |
(64,182) |
(66,913) |
|
Net change in cash |
99,436 |
(210,098) |
23,471 |
(48,835) |
|
Diluted earnings per share (PLN/EUR) |
42.94 |
46.84 |
10.14 |
10.89 |
|
Average number of shares (‘000) |
19,396 |
19,323 |
19,396 |
19,323 |
|
Earnings per share (PLN/EUR) |
45.20 |
49.62 |
10.67 |
11.53 |
|
|
|
|
|
|
|
As at |
30 Sep 2025 unaudited |
31 Dec 2024 |
30 Sep 2025 unaudited |
31 Dec 2024 |
|
Total assets |
12,629,726 |
11,648,879 |
2,958,336 |
2,726,159 |
|
Non-current liabilities |
6,982,066 |
6,504,482 |
1,635,451 |
1,522,228 |
|
Current liabilities |
563,802 |
615,740 |
132,063 |
144,100 |
|
Equity |
5,083,858 |
4,528,657 |
1,190,822 |
1,059,831 |
|
Share capital |
19,403 |
19,382 |
4,545 |
4,536 |
|
Book value per ordinary share |
262.01 |
233.65 |
61.37 |
54.68 |
The interim report for the third quarter has not been reviewed by the company’s auditor.