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Intrum AB
(OTC:ITJTY)
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Rating:46Neutral
Price Target:
$0.40
▲(17.65% Upside)
Action:Reiterated
Date:08/30/26
The score is primarily constrained by weak financial performance—ongoing net losses, negative ROE, and high leverage—despite solid cash generation. Technical signals remain generally bearish with the stock below key longer-term moving averages. The earnings call adds support via tangible deleveraging and improved financial flexibility, but near-term execution and top-line headwinds temper the outlook.
Positive Factors
Strong Cash Generation
Consistent operating and free cash flow provides internal funding for portfolio investments, debt service and restructuring. This cash conversion is an important buffer because it supports liquidity even while reported earnings remain negative.
Negative Factors
Persistent Net Losses
Repeated net losses and negative returns on equity weaken earnings quality and reduce the company’s ability to rebuild shareholder capital. Sustained profitability remains unproven despite the rebound in revenue and strong operating margins.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Cash Generation
Consistent operating and free cash flow provides internal funding for portfolio investments, debt service and restructuring. This cash conversion is an important buffer because it supports liquidity even while reported earnings remain negative.
Read all positive factors
Intrum AB (ITJTY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.29B
Dividend YieldN/A
Average Volume (3M)0.00
Price to Earnings (P/E)―
Beta (1Y)0.88
Revenue Growth7.83%
EPS Growth-23.54%
CountryUS
Employees8,771
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-14.88
Shares Outstanding3,181,744,900
10 Day Avg. Volume0
30 Day Avg. Volume0
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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:Aug 28, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 23, 2026
Earnings Call Sentiment Neutral
The call communicated meaningful strategic and balance-sheet progress (capital raise, SEK 2.4bn portfolio sale, credit-rating upgrades, leverage reduction, improved collections, cost discipline and identified efficiency savings). However, material top-line headwinds remain — notably a decline in Servicing income, ongoing challenges in specialized markets (Spain, Greece), operational issues in Germany and a one-off tax charge — which have softened short-term guidance. Management is prioritizing escalation of efficiency programs and an increased investment pace enabled by improved financial flexibility, but near-term costs and execution risks remain.Positive Updates
Successful Capital Raise and Portfolio Sale
Completed a capital raise and SEK 2.4 billion portfolio sale (finalized beginning of Q3) that materially improved financial flexibility and enabled intended balance-sheet actions.
Negative Updates
Decline in Servicing Income and Softer Outlook for 2026
Servicing income down 3% overall in Q2 (organic -2%, Savoy consolidation -1%, FX neutral). Management now views it as more challenging to achieve previously guided largely flat Servicing income for 2026.
Read all updates
Q2-2026 Updates
Positive
Negative
Successful Capital Raise and Portfolio Sale
Completed a capital raise and SEK 2.4 billion portfolio sale (finalized beginning of Q3) that materially improved financial flexibility and enabled intended balance-sheet actions.
Read all positive updates
Company Guidance
The company reiterated guidance to accelerate its operational-excellence program and use the July capital raise (plus the SEK 2.4 billion portfolio sale) to boost investing while also shortening maturities via tenders; key metrics cited include a pro forma service leverage ratio improvement from 6.2 to 4.3 (long‑term target 3.0), Q2 investment of SEK 197m (reported at ~19%), quarterly collections of SEK 102m (vs SEK 100m in Q1) and a running 12‑month collection index above forecast, servicing income down 3% (organic -2%, Savoy consolidation -1%, FX neutral), traditional markets (45% of income) organic growth ~5% (total +2%), specialized markets down 4%, amortization rate ~43%, total costs down 2% YoY and at 11.9% rolling 12M (target 10–11% by 2030 / cost base SEK 10–11bn), F‑fees -8% YoY, servicing EBIT margin stable at 25% (target 30–35%), FTE‑scope efficiency ambition of ~30–40% over 3 years (operations ~6,000 people today), identified savings already exceeding targets, a SEK ~300m reversal on net financial expense vs Q1 and FX hedging that offset ~SEK 400m of FX swings in Q2, and a one‑off tax cost in Italy of ~SEK 100m.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 | 13.55B | 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 | 3.53B | 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
Neutral
0.34
Price Trends
0.55
Negative
0.81
Negative
1.19
Negative
Market Momentum
-0.03
Negative
48.23
Neutral
82.97
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ITJTY, the sentiment is Neutral. The current price of 0.34 is below the 20-day moving average (MA) of 0.37, below the 50-day MA of 0.55, and below the 200-day MA of 1.19, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 48.23 is Neutral, neither overbought nor oversold. The STOCH value of 82.97 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 | $216.54M | 0.44 | 7.19% | 11.69% | -23.31% | -63.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $720.58M | -2.85 | -26.80% | ― | 12.25% | -388.78% | |
54 Neutral | $91.71M | -0.30 | -7.18% | 37.29% | -13.83% | -154.13% | |
46 Neutral | $1.29B | -1.29 | -14.99% | ― | 7.83% | -23.54% | |
| ― | $734.02M | -3.25 | -50.15% | ― | -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.