KRUK Group FS Q3 2026 1part
Interim Reports 3Q 2026
2026-10-27 17:46:00
The Management Board of KRUK S. A. publishes KRUK Group’s report for the period January 1st- September 30th, 2026, issued on October 27th, 2026.
The report consists of three parts:
- KRUK Group FS Q3 2026_1part
- KRUK FS Q3 2026_2part
- KRUK's Q3 2026 additional information_3part
Financial highlights
| Financial highlights | PLN ‘000 | EUR ‘000 | ||
| For the period | 1 Jan–30 Sep 2026 unaudited | 1 Jan–30 Sep 2025 unaudited | 1 Jan–30 Sep 2026 unaudited | 1 Jan–30 Sep 2025 unaudited |
| Revenue | 2,299,211 | 2,403,047 | 537,199 | 567,225 |
| Operating profit | 1,110,689 | 1,218,959 | 259,507 | 287,728 |
| Profit before tax | 794,419 | 891,035 | 185,612 | 210,323 |
| Net profit attributable to owners of the Parent | 752,869 | 876,620 | 175,904 | 206,921 |
| Net cash from (used in) operating activities | 648,528 | 427,693 | 151,525 | 100,954 |
| Purchase of debt portfolios at prices determined under the agreement | 1,211,633 | 1,426,964 | 283,092 | 336,826 |
| Cash recoveries | 2,970,651 | 2,920,909 | 694,077 | 689,463 |
| Net cash from (used in) investing activities | (100,294) | (56,349) | (23,433) | (13,301) |
| Net cash from (used in) financing activities | (495,463) | (271,908) | (115,762) | (64,182) |
| Net change in cash | 52,771 | 99,436 | 12,330 | 23,471 |
| Diluted earnings per share (PLN/EUR) | 36.44 | 42.94 | 8.51 | 10.14 |
| Average number of shares (‘000) | 19,522 | 19,396 | 19,522 | 19,396 |
| Earnings per share (PLN/EUR) | 38.57 | 45.20 | 9.01 | 10.67 |
| As at | 30 Sep 2026 unaudited | 31 Dec 2025 | 30 Sep 2026 unaudited | 31 Dec 2025 |
| Total assets | 13,791,718 | 13,032,173 | 3,158,023 | 3,083,297 |
| Non-current liabilities | 6,972,173 | 7,075,799 | 1,596,486 | 1,674,072 |
| Current liabilities | 1,015,690 | 629,910 | 232,572 | 149,031 |
| Equity | 5,803,855 | 5,326,464 | 1,328,965 | 1,260,194 |
| Share capital | 19,543 | 19,492 | 4,475 | 4,612 |
| Book value per ordinary share | 296.98 | 273.26 | 68.00 | 64.65 |
The interim report for the third quarter has not been reviewed by the company’s auditor.