KRUK Group FS 4Q2025 1part
Interim Reports 4Q 2025
2026-02-26 17:19:00
Interim Reports 4Q 2025
The Management Board of KRUK S. A. publishes KRUK Group’s report for the period January 1st- December 31th 2025, issued on February 26th 2026
The report consists of three parts:
1. KRUK Group FS 4Q2025_1part
2. KRUK FS 4Q2025_2part
3. KRUK's 4Q 2025 additional information_3part
| Financial highlights | PLN ‘000 | EUR ‘000 | ||
| For the period | 1 Jan–31 Dec 2025 unaudited | 1 Jan–31 Dec 2024 | 1 Jan–31 Dec 2025 unaudited | 1 Jan–31 Dec 2024 |
| Revenue | 3,190,651 | 2,907,553 | 753,009 | 675,515 |
| Operating profit | 1,577,786 | 1,412,434 | 372,365 | 328,153 |
| Profit before tax | 1,136,074 | 1,010,405 | 268,119 | 234,749 |
| Net profit attributable to owners of the Parent | 1,085,008 | 1,073,954 | 256,067 | 249,513 |
| Net cash from operating activities | 293,325 | (499,135) | 69,226 | (115,965) |
| Purchase of debt portfolios at prices as per agreement | 2,222,932 | 2,827,896 | 524,623 | 657,009 |
| Cash recoveries | 3,919,748 | 3,536,311 | 925,080 | 821,595 |
| Net cash from investing activities | (83,927) | (36,409) | (19,807) | (8,459) |
| Net cash from financing activities | (211,559) | 361,873 | (49,929) | 84,074 |
| Net change in cash | (2,161) | (173,671) | (510) | (40,349) |
| Diluted earnings per share (PLN/EUR) | 52.99 | 52.43 | 12.51 | 12.18 |
| Average number of shares (‘000) | 19,403 | 19,338 | 19,403 | 19,338 |
| Earnings per share (PLN/EUR) | 55.92 | 55.54 | 13.20 | 12.90 |
| As at | 31 Dec 2025 unaudited | 31 Dec 2024 | 31 Dec 2025 unaudited | 31 Dec 2024 |
| Total assets | 13,032,173 | 11,648,879 | 3,083,297 | 2,726,159 |
| Non-current liabilities | 7,075,799 | 6,504,482 | 1,674,072 | 1,522,228 |
| Current liabilities | 629,910 | 615,740 | 149,031 | 144,100 |
| Equity | 5,326,464 | 4,528,657 | 1,260,194 | 1,059,831 |
| Share capital | 19,492 | 19,382 | 4,612 | 4,536 |
| Book value per ordinary share | 273.26 | 233.65 | 64.65 | 54.68 |
Contacts
Anna Kowalczyk
tel. no.: +48 71 790 2280
e-mail: ir@kruksa.pl
Tomasz Kałuziak
tel. no.: +48 71 345 6789
e-mail: ir@kruksa.pl