KRUK Group estimates net profit for 2025 at PLN 1,086 million

Today, the Management Board of KRUK S.A. released estimates of the KRUK Group’s net profit, projecting PLN 208 million for the fourth quarter of 2025 and PLN 1,086 million for the full year. Estimated fourth-quarter cash EBITDA stands at PLN 658 million, with a full-year 2025 estimate of PLN 2,665 million, resulting in an estimated net debt to cash EBITDA ratio of 2.6 at year-end 2025.

“Based on our estimates, both net profit and cash EBITDA not only exceeded last year’s performance, but reached the highest levels in our history. If confirmed, these results will be fully aligned with the targets set out in our 2025–2029 strategy, despite lower-than-expected recoveries in Spain,” said Piotr Krupa, CEO and President of the Management Board of KRUK S.A. “Despite scaling back investments in Spain, we allocated PLN 2.2 billion to debt portfolios and achieved record-high recoveries from purchased portfolios, totalling more than PLN 3.9 billion. We effectively capitalised on investment opportunities that arose last year, while maintaining a strong focus on digital transformation and operational excellence. A more detailed commentary will be provided with the publication of our fourth-quarter 2025 results,” added Piotr Krupa.

The final performance figures will be disclosed in the KRUK Group’s consolidated report for the fourth quarter of 2025, slated for release on 26 February 2026, and in the KRUK Group’s audited consolidated report for the full year 2025, scheduled for issue on 10 March 2026.