Interim Reports 3Q 2026
The Management Board of KRUK S. A. publishes KRUK Group’s report for the period January 1st- September 30th, 2026, issued on October 27th, 2026.
The report consists of three parts:
- KRUK Group FS Q3 2026_1part
- KRUK FS Q3 2026_2part
- KRUK's Q3 2026 additional information_3part
Financial highlights
|
PLN ‘000 |
EUR ‘000 |
|||
|
For the period |
1 Jan–30 Sep 2026 |
1 Jan–30 Sep 2025 |
1 Jan–30 Sep 2026 |
1 Jan–30 Sep 2025 |
|
Revenue |
2,299,211 |
2,403,047 |
537,199 |
567,225 |
|
Operating profit |
1,110,689 |
1,218,959 |
259,507 |
287,728 |
|
Profit before tax |
794,419 |
891,035 |
185,612 |
210,323 |
|
Net profit attributable to owners of the Parent |
752,869 |
876,620 |
175,904 |
206,921 |
|
Net cash from (used in) operating activities |
648,528 |
427,693 |
151,525 |
100,954 |
|
Purchase of debt portfolios at prices determined under the agreement |
1,211,633 |
1,426,964 |
283,092 |
336,826 |
|
Cash recoveries |
2,970,651 |
2,920,909 |
694,077 |
689,463 |
|
Net cash from (used in) investing activities |
(100,294) |
(56,349) |
(23,433) |
(13,301) |
|
Net cash from (used in) financing activities |
(495,463) |
(271,908) |
(115,762) |
(64,182) |
|
Net change in cash |
52,771 |
99,436 |
12,330 |
23,471 |
|
Diluted earnings per share (PLN/EUR) |
36.44 |
42.94 |
8.51 |
10.14 |
|
Average number of shares (‘000) |
19,522 |
19,396 |
19,522 |
19,396 |
|
Earnings per share (PLN/EUR) |
38.57 |
45.20 |
9.01 |
10.67 |
|
|
|
|
|
|
|
As at |
30 Sep 2026 |
31 Dec 2025 |
30 Sep 2026 |
31 Dec 2025 |
|
Total assets |
13,791,718 |
13,032,173 |
3,158,023 |
3,083,297 |
|
Non-current liabilities |
6,972,173 |
7,075,799 |
1,596,486 |
1,674,072 |
|
Current liabilities |
1,015,690 |
629,910 |
232,572 |
149,031 |
|
Equity |
5,803,855 |
5,326,464 |
1,328,965 |
1,260,194 |
|
Share capital |
19,543 |
19,492 |
4,475 |
4,612 |
|
Book value per ordinary share |
296.98 |
273.26 |
68.00 |
64.65 |
The interim report for the third quarter has not been reviewed by the company’s auditor.