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Intrum AB
(OTC:ITJTY)
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Rating:46Neutral
Price Target:
$0.28
▼(-18.24% Downside)
Action:Reiterated
Date:10/23/26
The score is held down primarily by weak financial performance quality (ongoing net losses, negative ROE, and high leverage) and bearish technical momentum (below key moving averages with negative MACD). These are partially offset by solid operating/free cash flow generation and a mixed earnings-call backdrop that includes deleveraging and cost actions but also material operational and earnings headwinds.
Positive Factors
Strong cash generation
Consistently positive operating and free cash flow provides Intrum with internal funding for portfolio investments, debt service and restructuring. Strong cash conversion despite reported losses supports financial resilience, although the company still faces year-to-year volatility in free cash flow.
Negative Factors
High leverage and negative returns
Elevated leverage and declining equity leave Intrum more exposed to refinancing costs, earnings volatility and weaker recovery performance. Negative returns on equity also show that the current capital structure has not yet translated into sustainable value creation for shareholders.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Consistently positive operating and free cash flow provides Intrum with internal funding for portfolio investments, debt service and restructuring. Strong cash conversion despite reported losses supports financial resilience, although the company still faces year-to-year volatility in free cash flow.
Read all positive factors
Intrum AB (ITJTY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$586.38M
Dividend Yield644.78%
Average Volume (3M)251.00
Price to Earnings (P/E)―
Beta (1Y)1.03
Revenue Growth4.27%
EPS Growth-6819.05%
CountryUS
Employees8,771
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-14.88
Shares Outstanding3,181,744,900
10 Day Avg. Volume378
30 Day Avg. Volume251
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)0.44
Price to Sales (P/S)0.30
P/FCF Ratio1.11
Enterprise Value/Market Cap8.10
Enterprise Value/Revenue0.28
Enterprise Value/Gross Profit0.39
Enterprise Value/Ebitda1.54
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Intrum AB Business Overview & Revenue Model
Company Description
Intrum AB is engaged in providing credit management services. The firm offers solutions on credit decisions, sales ledger services, reminders and collection to debt surveillance, collection of written-off receivables, and purchase of outstanding r...
How the Company Makes Money
Intrum primarily makes money through two core models: (1) service fees for credit management services performed on behalf of clients, and (2) returns generated from purchasing and managing debt portfolios for its own account. In its servicing busi...
Intrum AB Earnings Call Summary
Earnings Call Date:Oct 23, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 28, 2027
Earnings Call Sentiment Neutral
The call presented meaningful progress on deleveraging, cost reduction, investment volumes, collections and servicing margins. However, these positives were accompanied by continued negative income development, a SEK 1.5 billion German goodwill impairment, operational challenges in Germany and the U.K., elevated restructuring costs and a more difficult refinancing market. Overall, the positive and negative factors were substantial and broadly balanced, with management emphasizing execution and recovery plans rather than providing a firm 2027 growth outlook.Positive Updates
Deleveraging Progress After Capital Raise and Asset Sale
The completed capital raise and asset sale, together with cost control, reduced service leverage to 4.5x from 5.7x at the start of the year. Intrum is targeting leverage of 3.0x in 2028.
Negative Updates
Continued Negative Income Development
The negative income trend from the first half continued in Q3. Development in Germany and the U.K. was not according to plan, and declines in those two markets more than offset growth in traditional markets and the expected decay in Greece, Italy and Spain.
Read all updates
Q3-2026 Updates
Positive
Negative
Deleveraging Progress After Capital Raise and Asset Sale
The completed capital raise and asset sale, together with cost control, reduced service leverage to 4.5x from 5.7x at the start of the year. Intrum is targeting leverage of 3.0x in 2028.
Read all positive updates
Company Guidance
Management said it has set out the course towards 3.0 in 2028, is working on a plan to take total cost towards SEK 11 billion in 2027, expects to end 2026 below the SEK 12 billion level, and expects the servicing margin to go up next year, with a target of 30% to 35% in 2030. It expects traditional markets to continue to grow, Southern European markets, Greece, Spain and Italy, to on average continue to have a decay, and believes it is approaching the trough in U.K. and Germany. Portfolio investments are expected to be above SEK 617 million in Q4 with similar levels of returns, while the aim is to reach replenishing levels of around SEK 3 billion annually; returns are expected to come down from 17%, 18% but remain at sufficiently good levels. Restructuring costs will be clearly higher in Q4, and the company expects roughly 1,000 fewer FTEs than today going into 2028, while new sales capacity is expected to take between 6 and 12 months to contribute.Intrum AB Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
35
Negative
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 16.98B | 15.84B | 18.03B | 19.85B | 19.13B | 17.79B |
| Gross Profit | 12.06B | 11.18B | 7.82B | 10.19B | 10.12B | 8.23B |
| EBITDA | 3.09B | 9.08B | 9.46B | 6.04B | 2.48B | 7.93B |
| Net Income | -2.02B | -1.43B | -3.70B | -188.00M | -4.47B | 3.13B |
Balance Sheet | ||||||
| Total Assets | 70.32B | 65.47B | 77.54B | 90.21B | 88.71B | 88.91B |
| Cash, Cash Equivalents and Short-Term Investments | 3.00B | 2.57B | 2.39B | 3.62B | 3.43B | 4.55B |
| Total Debt | 46.83B | 44.42B | 51.41B | 60.48B | 57.23B | 53.31B |
| Total Liabilities | 55.26B | 52.69B | 62.07B | 71.28B | 67.51B | 64.22B |
| Stockholders Equity | 13.35B | 10.85B | 13.39B | 16.75B | 18.54B | 21.70B |
Cash Flow | ||||||
| Free Cash Flow | 3.44B | 4.27B | 3.83B | 4.96B | 4.63B | 9.71B |
| Operating Cash Flow | 3.56B | 4.30B | 4.42B | 5.31B | 4.99B | 10.04B |
| Investing Cash Flow | -1.44B | -1.47B | 9.20B | -2.56B | -1.63B | -8.01B |
| Financing Cash Flow | -2.06B | -2.31B | -15.29B | -2.26B | -4.88B | 401.00M |
Intrum AB Technical Analysis
Negative
0.34
Price Trends
0.35
Negative
0.48
Negative
0.97
Negative
Market Momentum
-0.03
Positive
21.41
Positive
54.32
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ITJTY, the sentiment is Negative. The current price of 0.34 is above the 20-day moving average (MA) of 0.28, below the 50-day MA of 0.35, and below the 200-day MA of 0.97, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 21.41 is Positive, neither overbought nor oversold. The STOCH value of 54.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ITJTY.
Intrum AB Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $188.40M | 0.38 | 7.19% | 11.62% | -23.31% | -63.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $718.14M | -2.84 | -26.80% | ― | 12.25% | -388.78% | |
46 Neutral | $586.38M | -0.60 | -15.95% | 644.78% | 4.27% | -6819.05% | |
44 Neutral | $58.74M | -0.26 | -16.95% | 27.99% | -27.36% | -220.29% | |
| ― | $1.11B | -19.35 | -15.11% | 1.49% | -6.20% | 95.22% |
* Financial Sector Average
ITJTY
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.