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Intrum AB (ITJTY) AI Stock Analysis
Intrum AB
(Other OTC:ITJTY)
The overall score of 39 reflects a company in significant distress. The most impactful factors are the extremely weak financial performance, characterized by persistent losses and high leverage, and a decisively bearish technical trend. While the company generates strong cash flow and is making progress on its restructuring plan, these are overshadowed by the immediate operational and financial headwinds. The negative valuation metrics and a cautious, mixed earnings call further support a very low score.
Intrum AB (ITJTY) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $19.69M
- Dividend Yield
- 584.73%
- Average Volume (3M)
- 2,188
- Price to Earnings (P/E)
- -0.5
- Beta (1Y)
- 0.94
- Revenue Growth
- 4.27%
- EPS Growth
- -6819.05%
- Country
- US
- Employees
- 8,771
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
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 rece...
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 busines...
Intrum AB Earnings Call Summary
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.
Q3-2026 Updates
Positive Updates
Negative 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
Financial performance is deeply bifurcated. The income statement and balance sheet are under severe stress, marked by persistent net losses, declining revenues, and high leverage, which is a major solvency risk. However, the cash flow statement is a bright spot, showing robust and growing cash generation that covers the accounting losses. The overall score is weighed down heavily by the lack of profitability and leveraged balance sheet, despite strong cash flows.
Income Statement
18Very NegativeBalance Sheet
22NegativeCash Flow
75Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 16.76B | 15.84B | 18.03B | 19.85B | 19.13B | 17.79B |
| Gross Profit | 11.72B | 11.18B | 7.82B | 10.19B | 10.12B | 8.23B |
| EBITDA | 2.20B | 9.08B | 9.46B | 6.04B | 2.48B | 7.93B |
| Net Income | -3.88B | -1.43B | -3.70B | -188.00M | -4.47B | 3.13B |
Balance Sheet | ||||||
| Total Assets | 68.47B | 65.47B | 77.54B | 90.21B | 88.71B | 88.91B |
| Cash, Cash Equivalents and Short-Term Investments | 2.97B | 2.57B | 2.39B | 3.62B | 3.43B | 4.55B |
| Total Debt | 38.85B | 44.42B | 51.41B | 60.48B | 57.23B | 53.31B |
| Total Liabilities | 47.10B | 52.69B | 62.07B | 71.28B | 67.51B | 64.22B |
| Stockholders Equity | 19.50B | 10.85B | 13.39B | 16.75B | 18.54B | 21.70B |
Cash Flow | ||||||
| Free Cash Flow | 4.06B | 4.27B | 3.83B | 4.96B | 4.63B | 9.71B |
| Operating Cash Flow | 4.19B | 4.30B | 4.42B | 5.31B | 4.99B | 10.04B |
| Investing Cash Flow | 650.29M | -1.47B | 9.20B | -2.56B | -1.63B | -8.01B |
| Financing Cash Flow | -6.93B | -2.31B | -15.29B | -2.26B | -4.88B | 401.00M |
Intrum AB Technical Analysis
Price Trends
Market Momentum
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 0.21 is below the 20-day moving average (MA) of 0.24, below the 50-day MA of 0.32, and below the 200-day MA of 0.91, indicating a bearish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 35.70 is Neutral, neither overbought nor oversold. The STOCH value of 52.23 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
Overall Rating
XYF68Neutral
PRAA60Neutral
YRD41Neutral- ITJTY39Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| XYF | 68Neutral | $189.96M | 0.39 | 7.19% | 11.29% | -23.31% | -63.32% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PRAA | 60Neutral | $748.44M | -3.01 | -26.80% | ― | 12.25% | -388.78% |
| YRD | 41Neutral | $33.00M | -0.15 | -16.95% | 52.94% | -27.36% | -220.29% |
| ITJTY | 39Underperform | $656.42M | -0.50 | -27.64% | 584.73% | 4.27% | -6819.05% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| ITJTY | Intrum Ab Unsponsored Adr | 0.21 | -1.35 | -86.51% | |
| PRAA | Pra Group Inc. | 20.42 | 5.68 | 38.49% | |
| YRD | Yiren Digital Ltd. Sponsored Adr | 0.36 | -4.94 | -93.17% | |
| AHG | Akso Health Group Sponsored ADR | 1.29 | -0.28 | -17.52% | |
| XYF | X Financial | 4.70 | -6.49 | -58.01% |
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.
Date of analysis: Oct 27, 2026