Interim Reports 4Q 2025
The Management Board of KRUK S. A. publishes KRUK Group’s report for the period January 1st- December 31st 2025, issued on February 26th 2026.
The report consists of three parts:
- KRUK Group FS Q4 2025_part1
- KRUK FS Q4 2025_part2
- KRUK's Q4 2025 additional information_part3
Financial highlights
|
Financial highlights |
PLN ‘000 |
EUR ‘000 |
||
|
For the period |
1 Jan–31 Dec 2025 |
1 Jan–31 Dec 2024 |
1 Jan–31 Dec 2025 |
1 Jan–31 Dec 2024 |
|
Revenue |
3,190,651 |
2,907,553 |
753,009 |
675,515 |
|
Operating profit |
1,577,786 |
1,412,434 |
372,365 |
328,153 |
|
Profit before tax |
1,136,074 |
1,010,405 |
268,119 |
234,749 |
|
Net profit attributable to owners of the Parent |
1,085,008 |
1,073,954 |
256,067 |
249,513 |
|
Net cash from operating activities |
293,325 |
(499,135) |
69,226 |
(115,965) |
|
Purchase of debt portfolios at prices as per agreement |
2,222,932 |
2,827,896 |
524,623 |
657,009 |
|
Cash recoveries |
3,919,748 |
3,536,311 |
925,080 |
821,595 |
|
Net cash from investing activities |
(83,927) |
(36,409) |
(19,807) |
(8,459) |
|
Net cash from financing activities |
(211,559) |
361,873 |
(49,929) |
84,074 |
|
Net change in cash |
(2,161) |
(173,671) |
(510) |
(40,349) |
|
Diluted earnings per share (PLN/EUR) |
52.99 |
52.43 |
12.51 |
12.18 |
|
Average number of shares (‘000) |
19,403 |
19,338 |
19,403 |
19,338 |
|
Earnings per share (PLN/EUR) |
55.92 |
55.54 |
13.20 |
12.90 |
|
|
|
|
|
|
|
As at |
31 Dec 2025 |
31 Dec 2024 |
31 Dec 2025 |
31 Dec 2024 |
|
Total assets |
13,032,173 |
11,648,879 |
3,083,297 |
2,726,159 |
|
Non-current liabilities |
7,075,799 |
6,504,482 |
1,674,072 |
1,522,228 |
|
Current liabilities |
629,910 |
615,740 |
149,031 |
144,100 |
|
Equity |
5,326,464 |
4,528,657 |
1,260,194 |
1,059,831 |
|
Share capital |
19,492 |
19,382 |
4,612 |
4,536 |
|
Book value per ordinary share |
273.26 |
233.65 |
64.65 |
54.68 |
The interim report for the fourth quarter has not been reviewed by the company’s auditor.