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Intrum Justitia AB
(INTRUM)
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Rating:44Neutral
Price Target:
kr3.50
▼(-5.15% Downside)
Action:Reiterated
Date:07/07/26
The score is held down primarily by weak financial performance driven by ongoing net losses and heavy leverage, despite positive free cash flow. Technical indicators also remain bearish with the stock trading below major moving averages and negative MACD. Valuation is not supportive because the negative P/E reflects unprofitable earnings and no dividend yield data is available.
Positive Factors
Revenue Recovery
The sharp TTM revenue rebound indicates stronger business volumes or portfolio contributions. If sustained, this can improve operating leverage and support deleveraging, although the company must convert the growth into consistent profitability.
Negative Factors
Heavy Leverage
The highly leveraged balance sheet reduces financial flexibility and increases sensitivity to funding costs and collection volatility. Debt at this scale can constrain portfolio investment and leave less capacity to withstand operating setbacks.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Recovery
The sharp TTM revenue rebound indicates stronger business volumes or portfolio contributions. If sustained, this can improve operating leverage and support deleveraging, although the company must convert the growth into consistent profitability.
Read all positive factors
Intrum Justitia AB (INTRUM) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr11.70B
Dividend YieldN/A
Average Volume (3M)629.19K
Price to Earnings (P/E)―
Beta (1Y)0.99
Revenue Growth-4.01%
EPS Growth50.66%
CountrySE
Employees8,267
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-2.75
Shares Outstanding3,181,744,900
10 Day Avg. Volume588,903
30 Day Avg. Volume629,191
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)2.27
Price to Sales (P/S)1.45
P/FCF Ratio5.43
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
kr5.30Price Target Upside43.63% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.23
Revenue Forecast (FY)kr16.18B
Intrum Justitia AB Business Overview & Revenue Model
Company Description
Intrum AB (publ), along with its affiliated companies, delivers a broad spectrum of credit management and financial services to clients across Europe and globally. The company's services include credit optimization, featuring aspects like credit m...
How the Company Makes Money
Intrum primarily makes money through two broad activity areas: (1) service-based credit management and (2) investing in debt portfolios.
1) Service-based credit management (fee-for-service):
- Debt collection (third-party/contingent collections):...
Intrum Justitia AB Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
22
Negative
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.35B | 17.05B | 18.03B | 17.70B | 19.13B | 17.79B |
| Gross Profit | 11.84B | 11.98B | 7.96B | 8.30B | 10.12B | 8.23B |
| EBITDA | 3.38B | 5.46B | 4.70B | 4.43B | 2.48B | 7.93B |
| Net Income | -1.90B | -1.43B | -3.70B | -187.00M | -4.47B | 3.13B |
Balance Sheet | ||||||
| Total Assets | 70.88B | 65.47B | 77.54B | 90.21B | 88.71B | 88.91B |
| Cash, Cash Equivalents and Short-Term Investments | 3.40B | 2.57B | 2.39B | 3.62B | 3.43B | 4.55B |
| Total Debt | 46.73B | 43.99B | 51.41B | 60.48B | 57.23B | 53.31B |
| Total Liabilities | 55.88B | 52.69B | 62.07B | 71.28B | 67.51B | 64.22B |
| Stockholders Equity | 13.39B | 10.85B | 13.39B | 16.75B | 18.54B | 21.70B |
Cash Flow | ||||||
| Free Cash Flow | 4.05B | 4.54B | 3.83B | 4.96B | 4.63B | 9.71B |
| Operating Cash Flow | 4.16B | 4.57B | 4.42B | 5.11B | 4.99B | 10.04B |
| Investing Cash Flow | -1.48B | -1.56B | 9.20B | -2.56B | -1.63B | -8.01B |
| Financing Cash Flow | -2.62B | -2.46B | -15.29B | -2.26B | -4.88B | 401.00M |
Intrum Justitia AB Technical Analysis
Positive
3.69
Price Trends
3.37
Positive
4.52
Negative
6.37
Negative
Market Momentum
0.09
Negative
58.42
Neutral
49.82
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 3.69 is above the 20-day moving average (MA) of 3.48, above the 50-day MA of 3.37, and below the 200-day MA of 6.37, indicating a neutral trend. The MACD of 0.09 indicates Negative momentum. The RSI at 58.42 is Neutral, neither overbought nor oversold. The STOCH value of 49.82 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | kr19.15B | 13.86 | 22.14% | 1.78% | 12.14% | 55.77% | |
58 Neutral | kr603.46M | -8.72 | -8.50% | ― | 12.07% | 47.22% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | kr12.79B | 11.18 | ― | ― | -5.39% | -11.29% | |
44 Neutral | kr11.70B | -1.36 | -14.99% | ― | -4.01% | 50.66% |
* General Sector Average
SE:INTRUM
Intrum Justitia AB
3.76
-6.16
-62.11%
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Intrum Justitia AB Corporate Events
Intrum Boosts Capital with SEK 7.5 Billion Share Issue
Jul 31, 2026
Intrum has completed a SEK 7.5 billion capital raise through a rights issue and a directed share issue, resulting in a substantial increase in its share capital. Following this transaction, the number of shares and votes has risen by 3,045,499,531...
Intrum to Present March–June 2026 Interim Results in August
Jul 30, 2026
Intrum Justitia AB will publish its interim results for the March–June 2026 period on 28 August at 07:00 a.m. CET, followed by a webcast and teleconference presentation at 09:00 a.m. CET in English led by President and CEO Johan Åkerblo...
Intrum Prices €525 Million 7% Senior Secured Notes to Refinance 2027 Debt
Jul 13, 2026
Intrum Investments and Financing AB has priced a €525 million issuance of senior secured notes due 2031 with a 7.000% coupon at par, and intends to list the securities on the Luxembourg Stock Exchange, with closing expected around 24 July 20...
Intrum completes SEK 500m second directed share issue in larger SEK 7.5bn capital raise
Jul 8, 2026
Intrum AB has executed the second tranche of its previously announced directed share issue, raising approximately SEK 500 million through the issuance of up to 204,490,361 new shares subscribed by Kistefos AS at a price of SEK 2.45 per share. This...
Intrum Refinances 2027 Debt With New EUR 525m Senior Secured Notes Due 2031
Jul 6, 2026
Intrum Investments and Financing AB, a subsidiary of Intrum Justitia AB, has launched an offering of EUR 525 million in fixed-rate senior secured notes due 2031. The new euro-denominated notes are targeted at institutional and professional investo...
Intrum to Sell Brocc JV Stake Above Book Value and Cut Debt
Jul 3, 2026
Intrum AB, a Stockholm-based, publicly listed credit management specialist, operates in 20 European markets and supports both individuals and businesses in managing debts and ensuring sustainable payments. With a workforce of about 9,000 serving 7...
Intrum Raises SEK 6 Billion in Oversubscribed Rights Issue
Jul 1, 2026
Intrum AB has completed a fully guaranteed rights issue that was significantly oversubscribed, underlining strong investor demand for the Swedish credit management firm. The offering raised approximately SEK 6 billion before costs, with around 96....
Intrum Wins S&P Rating Upgrade After SEK 7.5bn Capital Raise
Jun 17, 2026
Intrum AB has had its issuer credit rating upgraded by SP Global Ratings to B-, with a positive outlook, alongside higher ratings on its 1.5 lien and 2 lien notes, reflecting confidence in the group’s improved financial strength. The action ...
Moody’s Lifts Intrum’s Credit Rating After SEK 7.5bn Capital Raise Approval
Jun 12, 2026
Moody’s has upgraded Intrum’s corporate family rating by two notches to B3 from Caa2 with a stable outlook, following shareholder approval of the company’s fully underwritten SEK 7.5 billion capital raise. The agency also raised ...
Intrum launches 2026 cash-based incentive plan for key executives
Jun 12, 2026
Intrum has adopted a new long-term incentive plan for 2026 aimed at up to 46 key executives, including its CEO and executive management, in line with remuneration guidelines approved at its April 2026 AGM. The cash-based program requires participa...
Intrum Publishes Prospectus for SEK 7.5 Billion Capital Raise
Jun 12, 2026
Intrum AB has published the prospectus for its fully guaranteed SEK 7.5 billion capital raise, comprising a directed share issue of about SEK 1.5 billion and a fully underwritten rights issue of approximately SEK 6 billion. The capital raise, appr...
Intrum Launches First SEK 1 Billion Tranche of Directed Share Issue
Jun 11, 2026
Intrum AB has launched the first tranche of a previously announced SEK 7.5 billion capital raise, resolving on a directed share issue of about SEK 1 billion to selected institutional and strategic investors. This First Directed Issue, priced at SE...
Intrum Secures Shareholder Approval for SEK 7.5 Billion Capital Raise and Delays Q2 Report
Jun 9, 2026
Intrum AB’s extraordinary general meeting has approved a SEK 7.5 billion capital raise, combining a SEK 1.5 billion directed share issue to selected investors with a fully guaranteed SEK 6 billion rights issue. The capital increase, which in...
Intrum Sets Terms for Fully Underwritten SEK 7.5 Billion Capital Raise
Jun 3, 2026
Intrum AB has set the terms for a fully guaranteed SEK 7.5 billion capital raise, combining an approximately SEK 6 billion rights issue with a SEK 1.5 billion directed share issue at a subscription price of SEK 2.45 per share. The move, backed by ...
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.