Kruk SA - Asset Resilience Ratio

Latest as of December 2025: 24.59%

Kruk SA (KRU) has an Asset Resilience Ratio of 24.59% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read how much debt does Kruk SA carry for a breakdown of total debt and financial obligations.

Liquid Assets

zł3.20 Billion

≈ $881.85 Million USD Cash + Short-term Investments

Total Assets

zł13.03 Billion

≈ $3.59 Billion USD All company assets

Resilience Assessment

Good

Financial Resilience Level

Asset Resilience Ratio Trend (2008–2025)

This chart shows how Kruk SA's Asset Resilience Ratio has changed over time. See Kruk SA shareholders equity for net asset value and shareholders' equity analysis.

Liquid Assets Composition Over Time

This chart breaks down Kruk SA's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see KRU company net worth.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	zł0.00	0%
Short-term Investments	zł3.20 Billion	24.59%
Total Liquid Assets	zł3.20 Billion	24.59%

Asset Resilience Insights

Good Liquidity Position: Kruk SA maintains a healthy 24.59% of assets in liquid form.
This level provides good financial flexibility while maintaining productive asset deployment.
The company has significant short-term investments, indicating active treasury management.

Kruk SA Industry Peers by Asset Resilience Ratio

Compare Kruk SA's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Western Union Co NYSE:WU	Credit Services	30.80%
AEON Thana Sinsap (Thailand) Public Company Limited BK:AEONTS	Credit Services	4.75%
Muthoot Microfin Limited NSE:MUTHOOTMF	Credit Services	4.11%
PTC India Financial Services Limited NSE:PFS	Credit Services	16.15%
Arman Financial Services Limited NSE:ARMANFIN	Credit Services	35.70%
Hexa Tradex Limited NSE:HEXATRADEX	Credit Services	0.09%
EN Shoham Business Ltd TA:SHOM	Credit Services	0.05%
ALBIS Leasing AG XETRA:ALG	Credit Services	1.19%

Annual Asset Resilience Ratio for Kruk SA (2008–2025)

The table below shows the annual Asset Resilience Ratio data for Kruk SA.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	24.59%	zł3.20 Billion ≈ $881.85 Million	zł13.03 Billion ≈ $3.59 Billion	-3.44pp
2024-12-31	28.03%	zł3.27 Billion ≈ $898.59 Million	zł11.65 Billion ≈ $3.21 Billion	+27.04pp
2023-12-31	0.99%	zł98.43 Million ≈ $27.09 Million	zł9.93 Billion ≈ $2.73 Billion	-27.47pp
2022-12-31	28.46%	zł2.19 Billion ≈ $601.64 Million	zł7.68 Billion ≈ $2.11 Billion	-2.41pp
2021-12-31	30.87%	zł1.82 Billion ≈ $502.08 Million	zł5.91 Billion ≈ $1.63 Billion	-1.80pp
2020-12-31	32.67%	zł1.52 Billion ≈ $417.52 Million	zł4.64 Billion ≈ $1.28 Billion	-54.04pp
2019-12-31	86.71%	zł4.20 Billion ≈ $1.16 Billion	zł4.84 Billion ≈ $1.33 Billion	-6.03pp
2018-12-31	92.74%	zł4.16 Billion ≈ $1.14 Billion	zł4.48 Billion ≈ $1.23 Billion	+4.42pp
2017-12-31	88.32%	zł3.14 Billion ≈ $865.39 Million	zł3.56 Billion ≈ $979.80 Million	+2.79pp
2016-12-31	85.53%	zł2.65 Billion ≈ $728.69 Million	zł3.10 Billion ≈ $851.98 Million	-1.53pp
2015-12-31	87.06%	zł1.60 Billion ≈ $439.95 Million	zł1.84 Billion ≈ $505.33 Million	-3.94pp
2014-12-31	91.00%	zł1.38 Billion ≈ $379.85 Million	zł1.52 Billion ≈ $417.40 Million	+0.37pp
2013-12-31	90.63%	zł1.05 Billion ≈ $290.05 Million	zł1.16 Billion ≈ $320.03 Million	+0.72pp
2012-12-31	89.92%	zł873.50 Million ≈ $240.40 Million	zł971.43 Million ≈ $267.35 Million	-0.27pp
2011-12-31	90.19%	zł721.93 Million ≈ $198.68 Million	zł800.47 Million ≈ $220.30 Million	+6.90pp
2010-12-31	83.29%	zł264.49 Million ≈ $72.79 Million	zł317.55 Million ≈ $87.40 Million	+8.54pp
2009-12-31	74.75%	zł155.44 Million ≈ $42.78 Million	zł207.93 Million ≈ $57.23 Million	+2.86pp
2008-12-31	71.89%	zł152.18 Million ≈ $41.88 Million	zł211.68 Million ≈ $58.26 Million	--

pp = percentage points

About Kruk SA

WAR:KRU Poland Credit Services

Market Cap

$2.34 Billion

zł8.50 Billion PLN

Market Cap Rank

#5686 Global

#31 in Poland

Share Price

zł436.30

Change (1 day)

-5.85%

52-Week Range

zł379.90 - zł504.80

All Time High

zł504.80