Intrum Justitia AB (INTRUM) AI Stock Analysis

• Market Cap: kr3.69B
• Dividend Yield: N/A
• Average Volume (3M): 362.36K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.92
• Revenue Growth: -10.75%
• EPS Growth: -4961.15%
• Country: SE
• Employees: 8,419
• Sector: Financial
• Sector Strength: 85
• Industry: Financial - Credit Services
• EPS (TTM): -30.65
• Shares Outstanding: 121,720,920
• 10 Day Avg. Volume: 257,737
• 30 Day Avg. Volume: 362,360
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: kr31.33
• Price Target Upside: 1.79% Upside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 3

Intrum Justitia AB is currently facing significant financial and technical challenges, reflected in a low overall stock score. The company's declining revenue and negative profitability, combined with high leverage, are major concerns. Technically, the stock is in a downtrend, as indicated by its position below all major moving averages. The negative P/E ratio further exacerbates valuation concerns. Recovery will depend on the company's ability to improve profitability and manage its debt effectively.

Intrum Justitia AB Business Overview & Revenue Model

Company Description

Intrum Justitia AB (INTRUM) is a leading credit management services company, specializing in debt collection and financial advisory services. Headquartered in Sweden, Intrum operates across multiple European countries, providing services to businesses and financial institutions. The company offers a wide range of solutions including debt purchasing, credit management services, and business process outsourcing, helping clients improve their cash flow and manage credit risk efficiently.

How the Company Makes Money

Intrum Justitia AB generates revenue primarily through its credit management services and debt purchasing operations. In the credit management segment, the company earns fees by managing and collecting debts on behalf of its clients, which include banks, telecommunications companies, and various other sectors. This involves negotiating repayment plans, pursuing overdue payments, and offering advisory services to help clients optimize their credit processes. Additionally, Intrum purchases non-performing loan portfolios from financial institutions at a discount, then seeks to collect the full value of those debts, thus realizing profit margins based on the difference between the purchase price and the collected amount. Key partnerships with major banks and financial institutions enhance their access to significant debt portfolios, while their comprehensive data analytics capabilities contribute to efficient and effective debt recovery strategies.

Intrum Justitia AB Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
18.03B	19.88B	19.49B	17.79B	16.88B
	Gross Profit
7.82B	10.47B	8.05B	8.23B	7.38B
	EBIT
7.50B	4.35B	154.00M	6.47B	4.70B
	EBITDA
9.46B	5.83B	2.48B	7.68B	6.96B
	Net Income Common Stockholders
-3.70B	-188.00M	-4.47B	3.13B	1.88B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
2.50B	3.77B	3.43B	4.46B	2.04B
	Total Assets
78.25B	90.21B	88.71B	88.91B	80.77B
	Total Debt
51.41B	60.48B	57.23B	53.31B	49.57B
	Net Debt
48.91B	56.86B	53.80B	48.84B	47.54B
	Total Liabilities
62.78B	71.28B	67.51B	64.22B	58.80B
	Stockholders Equity
13.39B	16.75B	18.54B	21.70B	19.12B
Cash Flow		Free Cash Flow
3.83B	4.96B	6.14B	9.71B	8.04B
	Operating Cash Flow
4.42B	5.11B	6.51B	10.04B	8.72B
	Investing Cash Flow
9.20B	-2.56B	-6.58B	-8.01B	-5.44B
	Financing Cash Flow
-15.29B	-2.26B	-2.23B	401.00M	-2.78B

Intrum Justitia AB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.78
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:INTRUM, the sentiment is Positive. The current price of 30.78 is above the 20-day moving average (MA) of 28.45, above the 50-day MA of 28.64, and below the 200-day MA of 34.40, indicating a neutral trend. The MACD of 1.04 indicates Negative momentum. The RSI at 58.10 is Neutral, neither overbought nor oversold. The STOCH value of 48.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:INTRUM.

Intrum Justitia AB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SWED.A	75 Outperform	kr271.27B	7.86	17.65%	8.97%	0.71%	-1.05%
SEB.A	73 Outperform	kr324.58B	9.15	15.39%	5.57%	0.41%	-8.47%
INVE.B	69 Neutral	kr887.19B	20.46	5.42%	1.66%	-3.74%	-73.16%
INVE.A	68 Neutral	kr887.19B	20.55	5.42%	1.66%	-3.74%	-73.16%
TFBANK	65 Neutral	€7.55B	11.91	26.39%	―	23.77%	58.98%
Sector *	64 Neutral	$12.61B	9.79	7.95%	16985.69%	12.77%	-3.98%
INTRUM	46 Neutral	kr3.69B	―	-26.06%	―	-10.75%	-4961.15%