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Intrum Justitia AB
(INTRUM)
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Rating:42Neutral
Price Target:
kr2.50
▼(-32.25% Downside)
Action:Reiterated
Date:10/08/26
Overall score is weighed down primarily by strained financial performance (persistent net losses and high leverage despite positive operating profits and cash flow) and very weak technicals (price far below key moving averages with negative MACD). Valuation offers limited support because negative earnings make P/E less informative and no dividend yield is available.
Positive Factors
Diversified credit-management model
Two complementary revenue models diversify earnings across recurring service fees and portfolio recoveries. The business also covers the debt lifecycle, supporting cross-selling, operational scale, and durable client relationships with financial institutions and corporate customers.
Negative Factors
Persistent net losses
Repeated net losses indicate that operating profitability is not translating into sustainable bottom-line returns. If this pattern persists, Intrum may have less capacity to strengthen equity, absorb portfolio underperformance, or fund growth without relying on financial resources.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified credit-management model
Two complementary revenue models diversify earnings across recurring service fees and portfolio recoveries. The business also covers the debt lifecycle, supporting cross-selling, operational scale, and durable client relationships with financial institutions and corporate customers.
Read all positive factors
Intrum Justitia AB (INTRUM) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr8.77B
Dividend Yield4.73%
Average Volume (3M)31.11M
Price to Earnings (P/E)―
Beta (1Y)1.10
Revenue Growth-2.84%
EPS Growth-7.20%
CountrySE
Employees8,149
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-3.03
Shares Outstanding3,181,744,900
10 Day Avg. Volume44,744,098
30 Day Avg. Volume31,106,294
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)0.12
Revenue Forecast (FY)kr16.25B
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 makes money through two main revenue models: (1) fee-based credit management services and (2) returns from purchasing and managing debt portfolios.
1) Fee-based credit management (services) revenue:
- Intrum provides credit management serv...
Intrum Justitia AB Financial Statement Overview
Summary
Income Statement
32
Negative
Balance Sheet
25
Negative
Cash Flow
60
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.43B | 17.05B | 18.03B | 17.70B | 19.13B | 17.79B |
| Gross Profit | 12.61B | 11.98B | 7.96B | 8.30B | 10.12B | 8.23B |
| EBITDA | 3.47B | 5.46B | 4.70B | 4.43B | 2.48B | 7.93B |
| Net Income | -2.05B | -1.43B | -3.70B | -187.00M | -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 | 43.99B | 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 | 2.42B | 4.54B | 3.83B | 4.96B | 4.63B | 9.71B |
| Operating Cash Flow | 2.45B | 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 | -991.00M | -2.46B | -15.29B | -2.26B | -4.88B | 401.00M |
Intrum Justitia AB Technical Analysis
Negative
3.69
Price Trends
3.53
Negative
3.50
Negative
5.70
Negative
Market Momentum
-0.27
Positive
30.93
Neutral
20.03
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:INTRUM, the sentiment is Negative. The current price of 3.69 is above the 20-day moving average (MA) of 3.31, above the 50-day MA of 3.53, and below the 200-day MA of 5.70, indicating a bearish trend. The MACD of -0.27 indicates Positive momentum. The RSI at 30.93 is Neutral, neither overbought nor oversold. The STOCH value of 20.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | kr16.89B | 12.36 | 22.14% | 1.69% | 12.14% | 55.77% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | kr12.09B | 10.58 | ― | ― | -5.39% | -11.29% | |
53 Neutral | kr523.12M | -7.62 | -8.50% | ― | 12.07% | 47.22% | |
42 Neutral | kr8.77B | -0.91 | -15.95% | 4.73% | -2.84% | -7.20% |
* General Sector Average
SE:INTRUM
Intrum Justitia AB
2.76
-7.47
-73.03%
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Intrum Justitia AB Corporate Events
Intrum Schedules Webcast and Teleconference for Q3 2026 Results
Oct 6, 2026
Intrum will publish its interim results for the third quarter of 2026 on 23 October, releasing the report at 07:00 CET and presenting it via a webcast and teleconference at 09:00 CET. President and CEO Johan Åkerblom and CFO Masih Yazdi will ...
Intrum to co-invest in SEK 4 billion Nordic NPL portfolio and take on servicing role
Sep 18, 2026
Intrum, Europe’s leading credit management services group, has agreed to co-invest with Brocc Finance in acquiring a non-performing consumer loan portfolio from Entercard, a Swedbank subsidiary, spanning the Nordic markets and totalling abou...
Intrum Report Shows More Europeans Using Credit and Paying Bills Late
Sep 16, 2026
European households are showing rising signs of financial strain, according to Intrum’s latest European Consumer Payment Report, with 56% of consumers having borrowed money or used credit cards to pay bills in the past six months, up from 45...
Intrum Buys Back €200m of Senior Secured Notes in Liability Management Move
Sep 8, 2026
Intrum AB has announced the final results of its cash tender offers for outstanding senior secured exchange notes issued by Intrum Investments and Financing AB, targeting 7.750% notes maturing in 2027 and 2028. The offers used a waterfall acceptan...
Intrum Strengthens Balance Sheet as Q2 Income and Earnings Decline
Aug 28, 2026
Intrum reported second-quarter 2026 total income of SEK 4,053m, down 4% year-on-year, with EBIT falling 14% to SEK 1,137m and earnings per share dropping to SEK 1.32. Despite weaker unadjusted metrics and lower net income, adjusted EBIT for the fi...
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...
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.