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KRUK SA (KRKKF)
OTHER OTC:KRKKF
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KRUK SA (KRKKF) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Mar 05, 2026
TBA (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
Last Year’s EPS
1.6
Same Quarter Last Year
Moderate Buy
Based on 0 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 29, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call reflects a strong overall performance with record profits and cash EBITDA, successful funding, and positive recovery trends in several key markets. However, challenges remain in Spain's legal system stability, competitive pressures in Poland, and increased operating costs.
Company Guidance
During the call, Michal Zasepa, CFO at KRUK, presented a robust Q3 and 9-month performance for 2025, highlighting a net profit nearing PLN 900 million, which positions the company for potentially record-breaking annual profits. The company deployed approximately PLN 1.4 billion in new portfolios, trending towards a target of PLN 2.4-2.5 billion by year-end. Recoveries hit a record PLN 2.9 billion, and the cash EBITDA exceeded PLN 2 billion. The leverage was moderate, with net debt to cash EBITDA at 2.6x and net debt to equity at 1.3x. Despite a decrease in ROE due to last year's weak Q4, improvements are expected post-Q4 2025. Investments varied by region, with notable activity in Italy, Poland, Romania, and a cautious approach in Spain. Operational costs rose due to salary increases and the New Horizon digital transformation initiative. The company has expanded its banking lines by PLN 90 million and enjoys strong funding access, primarily within Poland. Spain remains a focus, despite past challenges, as the company anticipates stability and recovery improvements. Future expansion considerations include the UK and US markets, with ongoing research and preparatory phases.
Record Net Profit
KRUK Group has earned close to PLN 900 million of net profit after 9 months, with expectations to achieve record high profits for the full year 2025.
Record High Cash EBITDA
The company reported a record high cash EBITDA of over PLN 2 billion.
Strong Portfolio Investments
Investments in new portfolios reached PLN 1.4 billion, with expectations to achieve PLN 2.4 to PLN 2.5 billion by the end of Q4.
Successful Funding and Leverage Management
The company maintains good access to funding and is moderately leveraged at 2.6x net debt to cash EBITDA.
Positive Recovery Trends in Key Markets
Significant positive revaluation and strong recovery trends in Poland, Romania, and Italy.
Expansion into New Markets
Continued research into U.K. and U.S. markets for potential entry, with optimistic outlook for France.

KRUK SA (KRKKF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

KRKKF Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Mar 05, 2026
2025 (Q4)
- / -
1.603
Oct 29, 2025
2025 (Q3)
- / 4.08
4.848-15.77% (-0.76)
Aug 26, 2025
2025 (Q2)
- / 4.43
3.59922.97% (+0.83)
Apr 28, 2025
2025 (Q1)
- / 3.34
4.742-29.50% (-1.40)
Feb 27, 2025
2024 (Q4)
- / 1.61
3.114-48.31% (-1.50)
Oct 29, 2024
2024 (Q3)
- / 4.85
3.13754.53% (+1.71)
Aug 27, 2024
2024 (Q2)
- / 3.60
4.116-12.57% (-0.52)
May 08, 2024
2024 (Q1)
- / 4.74
3.28544.34% (+1.46)
Feb 27, 2024
2023 (Q4)
- / 3.11
1.79673.40% (+1.32)
Nov 08, 2023
2023 (Q3)
- / 3.14
2.66217.86% (+0.48)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

KRKKF Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 29, 2025
$129.07$127.64-1.11%
Aug 26, 2025
$116.36$116.90+0.46%
Apr 28, 2025
$98.76$100.44+1.70%
Feb 27, 2025
$107.18$103.64-3.30%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does KRUK SA (KRKKF) report earnings?
KRUK SA (KRKKF) is schdueled to report earning on Mar 05, 2026, TBA (Confirmed).
    What is KRUK SA (KRKKF) earnings time?
    KRUK SA (KRKKF) earnings time is at Mar 05, 2026, TBA (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is KRKKF EPS forecast?
          Currently, no data Available
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