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Intrum Ab Unsponsored Adr (ITJTY)
:ITJTY
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Intrum AB
(OTC:ITJTY)
Select Model
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Rating:47Neutral
Price Target:
$5.00
▼(-6.89% Downside)
Intrum AB's overall stock score is primarily impacted by its financial performance, which is challenged by declining revenue and high leverage. Technical analysis suggests neutral to bearish momentum, while valuation metrics are unattractive due to negative profitability. The absence of earnings call and corporate events data means these factors do not influence the score.
Intrum AB (ITJTY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$647.01M
Dividend YieldN/A
Average Volume (3M)0.00
Price to Earnings (P/E)―
Beta (1Y)0.93
Revenue Growth-7.77%
EPS Growth-0.18%
CountryUS
Employees9,664
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.28
Shares Outstanding121,720,920
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market Cap8.88
Enterprise Value/Revenue0.34
Enterprise Value/Gross Profit0.68
Enterprise Value/Ebitda0.90
Forecast
1Y Price Target
$5.00Price Target Upside-6.89% Downside
Rating ConsensusHold
Number of Analyst Covering1
Intrum AB Business Overview & Revenue Model
Company DescriptionIntrum AB (publ), together with its subsidiaries, provides credit management and financial services in Europe and internationally. The company offers credit optimization services, including credit monitoring, credit decision, factoring, and credit information services; and debt collection comprising surveillance and purchase services. It also provides payment services, such as reminder, payment guarantee, and VAT services; e-commerce services comprising credit management, payment solutions, and collection services; accounts receivables services that include invoicing, payment booking, monitoring of due dates, reminder, and collection services; and financing and portfolio investment services. Intrum AB (publ) was founded in 1923 and is headquartered in Stockholm, Sweden.
How the Company Makes MoneyIntrum AB generates revenue through its core service offerings in credit management and financial services. The company earns money by providing debt collection services, where it charges fees for collecting outstanding debts on behalf of its clients. Additionally, Intrum purchases portfolios of non-performing loans from financial institutions at a discounted rate and then seeks to recover the full amount owed, thereby realizing a profit. Other revenue streams include credit optimization services, where Intrum assists clients in improving their credit management processes, and financial advisory services. Significant partnerships with banks and other financial institutions also contribute to Intrum's revenue by expanding its client base and service offerings.
Intrum AB Earnings Call Summary
Earnings Call Date:Jul 25, 2025
(Q1-2025)
| % Change Since: |
Next Earnings Date:Oct 30, 2025
Earnings Call Sentiment Neutral
The earnings call reflects a strong performance in EBIT and cost management, a promising partnership with Cerberus, and advancements in technology. However, challenges in revenue growth, ROI impact from aging assets, and economic uncertainty in Europe present concerns.Q1-2025 Updates
Positive Updates
Strong EBIT Performance
EBIT more than doubled to over a billion, with a significant margin improvement from 9% in Q1 2024 to 21% in Q1 2025.
Successful Cost Management
Positive net income achieved for the first time since 2023, attributed to cost reduction and efficiency improvements.
Cerberus Partnership Progress
Invested in 14 deals, closed 11, with an expected 1.9 net money multiple, highlighting the strategic partnership's potential.
Technological Advancements
Ophelos platform rolled out in six countries, improving collections, customer experience, and lowering costs.
Recapitalization Milestone
Favorable rulings in the US and Sweden confirm successful recapitalization, expected to close by July.
Negative Updates
Revenue Decline
Overall income slightly down due to reduced assets and structural decline in Southern Europe.
Investing Business Challenges
ROI impacted by aging assets, higher collection costs, and lower contributions from joint ventures.
Servicing Growth Concerns
Organic growth in servicing remains a challenge, with a need to improve top line in North and Middle Europe.
Economic Uncertainty in Europe
Significant uncertainty and extended payment problems in the European economic marketplace.
Company Guidance
During the call, the company provided several key metrics that demonstrate significant financial improvements and strategic advancements in the first quarter of 2025. The EBIT more than doubled to over a billion, marking a positive net income for the first time since 2023. The servicing business achieved a notable margin improvement, reaching 21%, up from 9% in the first quarter of 2024. The investment management activities, particularly the partnership with Cerberus, showed promising returns with an IRR described as very healthy and a share investment of 111 out of 647. Furthermore, the company's leverage ratio remained stable at 4.5, and operating cash flow was reported at 1.6 billion. The call also highlighted strategic initiatives like the completion of the recapitalization process, which is expected to close by early July, and the rollout of technology platforms like Ophelos, aimed at enhancing collections and profitability. Additionally, the company has seen a steady AUM recovery rate at around 110 billion, reflecting consistent external servicing income.Intrum AB Financial Statement Overview
Summary
Intrum AB faces significant financial challenges, with declining revenue and profitability issues reflected in the income statement. The balance sheet shows high leverage, raising concerns about financial stability. While cash flow has improved, it is not sufficient to offset net losses. The company needs to focus on enhancing profitability and reducing debt to strengthen its financial position.Income Statement
Intrum AB's income statement reveals a challenging financial period with declining revenue and negative net income. The TTM data shows a negative net profit margin of -10.03%, indicating profitability issues. Revenue has decreased by 3.81% compared to the previous period, and EBIT and EBITDA margins have also declined. The company needs to address these profitability challenges to improve its financial health.45
Neutral
Balance Sheet
The balance sheet indicates high leverage with a debt-to-equity ratio of 3.83, which poses a risk in terms of financial stability. The return on equity is negative, reflecting the company's struggles to generate profit from shareholders' equity. The equity ratio is relatively low, suggesting a heavy reliance on debt financing. These factors highlight potential risks and the need for improved financial management.40
Negative
Cash Flow
Cash flow analysis shows a positive trend with a significant increase in free cash flow growth of 50.79% in the TTM period. The operating cash flow to net income ratio is positive, indicating that the company is generating cash from its operations despite net losses. However, the free cash flow to net income ratio suggests that cash flow is not fully covering net losses, pointing to areas for improvement.55
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 16.93B | 18.03B | 19.85B | 19.49B | 17.79B | 16.88B |
| Gross Profit | 8.41B | 7.82B | 10.19B | 8.05B | 8.23B | 7.38B |
| EBITDA | 6.39B | 9.46B | 6.04B | 2.48B | 7.93B | 6.20B |
| Net Income | -1.70B | -3.70B | -188.00M | -4.38B | 3.13B | 1.88B |
Balance Sheet | ||||||
| Total Assets | 75.02B | 78.25B | 90.21B | 88.71B | 88.91B | 80.77B |
| Cash, Cash Equivalents and Short-Term Investments | 3.02B | 2.50B | 3.77B | 3.43B | 4.46B | 2.04B |
| Total Debt | 48.76B | 51.41B | 60.48B | 57.23B | 53.31B | 49.57B |
| Total Liabilities | 60.52B | 62.78B | 71.28B | 67.51B | 64.22B | 58.80B |
| Stockholders Equity | 12.73B | 13.39B | 16.75B | 18.54B | 21.70B | 19.12B |
Cash Flow | ||||||
| Free Cash Flow | 5.54B | 3.83B | 4.96B | 6.14B | 9.71B | 8.04B |
| Operating Cash Flow | 6.11B | 4.42B | 5.31B | 6.51B | 10.04B | 8.72B |
| Investing Cash Flow | 46.00M | 9.20B | -2.56B | -6.58B | -8.01B | -5.44B |
| Financing Cash Flow | -12.21B | -15.29B | -2.26B | -2.23B | 401.00M | -2.78B |
Intrum AB Technical Analysis
Positive
5.37
Price Trends
5.37
Positive
5.32
Positive
4.07
Positive
Market Momentum
0.04
Negative
59.29
Neutral
91.18
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ITJTY, the sentiment is Positive. The current price of 5.37 is above the 20-day moving average (MA) of 5.11, above the 50-day MA of 5.37, and above the 200-day MA of 4.07, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 59.29 is Neutral, neither overbought nor oversold. The STOCH value of 91.18 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $595.36M | 2.69 | 24.28% | 3.63% | 45.25% | 46.56% | |
76 Outperform | $570.28M | 3.21 | 13.64% | 6.90% | 12.69% | -35.36% | |
70 Outperform | $761.23M | 10.89 | 4.57% | ― | -39.25% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $542.34M | 6.01 | 7.38% | ― | 18.67% | 2254.86% | |
47 Neutral | $647.01M | ― | -12.16% | ― | -7.77% | -0.18% | |
45 Neutral | $866.42M | ― | -79.90% | ― | 510.69% | -145.92% |
* Financial Sector Average
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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.