KRUK Spólka Akcyjna
KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Consumer Debts, Mortgage Debts, and Corporate Debts segments. It offers credit management services, including receivables management services to banks, loan brokers, insurers, leasing compa… Read more
KRUK Spólka Akcyjna (KRKKF) - Net Assets
Latest net assets as of December 2025: $5.32 Billion USD
Based on the latest financial reports, KRUK Spólka Akcyjna (KRKKF) has net assets worth $5.32 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($13.02 Billion) and total liabilities ($7.70 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $5.32 Billion |
| % of Total Assets | 40.87% |
| Annual Growth Rate | 27.16% |
| 5-Year Change | 104.59% |
| 10-Year Change | 329.87% |
| Growth Volatility | 16.67 |
KRUK Spólka Akcyjna - Net Assets Trend (2005–2025)
This chart illustrates how KRUK Spólka Akcyjna's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for KRUK Spólka Akcyjna (2005–2025)
The table below shows the annual net assets of KRUK Spólka Akcyjna from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $5.32 Billion | +17.47% |
| 2024-12-31 | $4.53 Billion | +19.46% |
| 2023-12-31 | $3.79 Billion | +16.52% |
| 2022-12-31 | $3.25 Billion | +25.12% |
| 2021-12-31 | $2.60 Billion | +27.25% |
| 2020-12-31 | $2.04 Billion | +4.31% |
| 2019-12-31 | $1.96 Billion | +13.06% |
| 2018-12-31 | $1.73 Billion | +18.64% |
| 2017-12-31 | $1.46 Billion | +18.02% |
| 2016-12-31 | $1.24 Billion | +57.79% |
| 2015-12-31 | $784.28 Million | +34.05% |
| 2014-12-31 | $585.08 Million | +40.80% |
| 2013-12-31 | $415.56 Million | +30.83% |
| 2012-12-31 | $317.63 Million | +33.24% |
| 2011-12-31 | $238.38 Million | +80.57% |
| 2010-12-31 | $132.01 Million | +31.97% |
| 2009-12-31 | $100.04 Million | +30.70% |
| 2008-12-31 | $76.54 Million | +39.43% |
| 2006-12-31 | $54.90 Million | +26.07% |
| 2005-12-31 | $43.54 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to KRUK Spólka Akcyjna's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 473916196600.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $4.74 Billion | 89.09% |
| Common Stock | $19.47 Million | 0.37% |
| Other Comprehensive Income | $159.72 Million | 3.00% |
| Other Components | $401.03 Million | 7.54% |
| Total Equity | $5.32 Billion | 100.00% |
KRUK Spólka Akcyjna Competitors by Market Cap
The table below lists competitors of KRUK Spólka Akcyjna ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
China Huarong Asset Management Co. Ltd
F:CHE
|
$1.79 Billion |
|
Globant SA
NYSE:GLOB
|
$1.79 Billion |
|
Container Corporation of India Limited
NSE:CONCOR
|
$1.79 Billion |
|
Xiamen Xiangyu Co Ltd
SHG:600057
|
$1.79 Billion |
|
MULTIPLAN EMPREENDIMENTOS IMOB
PINK:MLTTY
|
$1.79 Billion |
|
Yunnan Wenshan Electric Power Co Ltd
SHG:600995
|
$1.79 Billion |
|
Celldex Therapeutics Inc
NASDAQ:CLDX
|
$1.79 Billion |
|
Regis Resources Ltd
PINK:RGRNF
|
$1.79 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in KRUK Spólka Akcyjna's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 4,528,986,000 to 5,319,373,959, a change of 790,387,959 (17.5%).
- Net income of 1,083,629,662 contributed positively to equity growth.
- Dividend payments of 349,252,000 reduced retained earnings.
- New share issuances of 27,552,000 increased equity.
- Other comprehensive income increased equity by 33,642,844.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $1.08 Billion | +20.37% |
| Dividends Paid | $349.25 Million | -6.57% |
| Share Issuances | $27.55 Million | +0.52% |
| Other Comprehensive Income | $33.64 Million | +0.63% |
| Other Changes | $-5.18 Million | -0.1% |
| Total Change | $- | 17.45% |
Book Value vs Market Value Analysis
This analysis compares KRUK Spólka Akcyjna's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.11x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 36.22x to 0.11x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-12-31 | $2.79 | $101.21 | x |
| 2006-12-31 | $3.52 | $101.21 | x |
| 2008-12-31 | $5.09 | $101.21 | x |
| 2009-12-31 | $6.42 | $101.21 | x |
| 2010-12-31 | $8.57 | $101.21 | x |
| 2011-12-31 | $14.45 | $101.21 | x |
| 2012-12-31 | $18.72 | $101.21 | x |
| 2013-12-31 | $24.10 | $101.21 | x |
| 2014-12-31 | $33.61 | $101.21 | x |
| 2015-12-31 | $44.08 | $101.21 | x |
| 2016-12-31 | $67.42 | $101.21 | x |
| 2017-12-31 | $75.77 | $101.21 | x |
| 2018-12-31 | $89.72 | $101.21 | x |
| 2019-12-31 | $101.34 | $101.21 | x |
| 2020-12-31 | $106.12 | $101.21 | x |
| 2021-12-31 | $134.01 | $101.21 | x |
| 2022-12-31 | $164.58 | $101.21 | x |
| 2023-12-31 | $186.37 | $101.21 | x |
| 2024-12-31 | $221.10 | $101.21 | x |
| 2025-12-31 | $933.86 | $101.21 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently KRUK Spólka Akcyjna utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 20.37%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 43.36%
- • Asset Turnover: 0.19x
- • Equity Multiplier: 2.45x
- Recent ROE (20.37%) is below the historical average (21.70%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 13.24% | 4.76% | 1.43x | 1.94x | $1.41 Million |
| 2006 | 20.55% | 8.57% | 1.39x | 1.72x | $5.79 Million |
| 2008 | 21.56% | 15.84% | 0.49x | 2.77x | $8.82 Million |
| 2009 | 23.42% | 18.21% | 0.62x | 2.08x | $13.42 Million |
| 2010 | 27.34% | 21.96% | 0.52x | 2.41x | $22.88 Million |
| 2011 | 27.87% | 24.23% | 0.34x | 3.36x | $42.57 Million |
| 2012 | 25.53% | 23.63% | 0.35x | 3.06x | $49.29 Million |
| 2013 | 23.50% | 24.07% | 0.35x | 2.80x | $56.08 Million |
| 2014 | 25.94% | 31.10% | 0.32x | 2.59x | $93.23 Million |
| 2015 | 26.04% | 33.41% | 0.33x | 2.34x | $125.80 Million |
| 2016 | 20.09% | 31.74% | 0.25x | 2.50x | $124.91 Million |
| 2017 | 20.21% | 27.96% | 0.30x | 2.44x | $149.05 Million |
| 2018 | 19.05% | 33.94% | 0.22x | 2.59x | $156.78 Million |
| 2019 | 14.11% | 25.26% | 0.23x | 2.47x | $80.55 Million |
| 2020 | 3.98% | 7.01% | 0.25x | 2.27x | $-123.02 Million |
| 2021 | 26.71% | 57.79% | 0.20x | 2.27x | $434.68 Million |
| 2022 | 24.74% | 54.09% | 0.19x | 2.36x | $479.58 Million |
| 2023 | 25.95% | 54.82% | 0.18x | 2.62x | $604.79 Million |
| 2024 | 23.71% | 48.74% | 0.19x | 2.57x | $621.06 Million |
| 2025 | 20.37% | 43.36% | 0.19x | 2.45x | $551.69 Million |
Industry Comparison
This section compares KRUK Spólka Akcyjna's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $42,167,772,618
- Average return on equity (ROE) among peers: 3.49%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| KRUK Spólka Akcyjna (KRKKF) | $5.32 Billion | 13.24% | 1.45x | $1.79 Billion |
| Accord Financial Corp (ACCFF) | $103.96 Million | 11.43% | 4.00x | $8.00 Million |
| Acom Co. Ltd (ACJJF) | $306.73 Billion | 3.47% | 2.77x | $799.50 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $13.28 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $47.20 Million | 1.69% | 11.77x | $1.51 Billion |
| Aiful Corp (AIFLF) | $97.47 Billion | -37.44% | 4.75x | $852.52 Million |
| Jianpu Technology Inc (AIJTY) | $520.74 Million | 20.38% | 0.93x | $16.37 Million |
| AIOS Tech Inc. (AIOS) | $40.53 Million | 17.61% | 0.35x | $2.83 Million |
| Ally Financial Inc (ALLY) | $13.49 Billion | 6.88% | 11.39x | $10.34 Billion |
| Alpha Investment Inc (ALPC) | $-38.66K | 0.00% | 0.00x | $166.69 Million |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $14.83 Million |