Kredyt Inkaso SA

WAR:KRI Poland Credit Services
Market Cap
$53.97 Million
zł224.41 Million PLN
Market Cap Rank
#22760 Global
#143 in Poland
Share Price
zł17.40
Change (1 day)
+0.00%
52-Week Range
zł17.05 - zł17.40
All Time High
zł27.00
Categories
Companies in Poland Credit Services Banking & Financial
About

Kredyt Inkaso S.A. provides debt management services in Poland, Romania, Bulgaria, and Russia. It provides receivables management services comprising payment monitoring, debt collection, and court and enforcement processes. The company also offers outsourcing receivables management services to other financial entities. In addition, the company engages in the sale of plots, apartments, houses, com… Read more

Kredyt Inkaso SA (KRI) - Net Assets

Latest net assets as of December 2024: zł347.42 Million PLN

Based on the latest financial reports, Kredyt Inkaso SA (KRI) has net assets worth zł347.42 Million PLN as of December 2024.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł911.85 Million) and total liabilities (zł564.43 Million). 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 zł347.42 Million
% of Total Assets 38.1%
Annual Growth Rate 9.69%
5-Year Change 64.52%
10-Year Change 171.51%
Growth Volatility 60.38

Kredyt Inkaso SA - Net Assets Trend (2008–2023)

This chart illustrates how Kredyt Inkaso SA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Kredyt Inkaso SA (2008–2023)

The table below shows the annual net assets of Kredyt Inkaso SA from 2008 to 2023.

Year Net Assets Change
2023-12-31 zł353.23 Million +9.35%
2022-12-31 zł323.04 Million +7.47%
2021-12-31 zł300.59 Million +14.13%
2020-12-31 zł263.38 Million +22.68%
2019-12-31 zł214.70 Million -14.86%
2018-12-31 zł252.17 Million -4.56%
2017-12-31 zł264.22 Million -2.68%
2016-12-31 zł271.50 Million +0.38%
2015-12-31 zł270.46 Million +107.89%
2014-12-31 zł130.10 Million +6.51%
2013-12-31 zł122.15 Million -17.78%
2012-12-31 zł148.56 Million -74.75%
2011-12-31 zł588.26 Million +175.53%
2010-12-31 zł213.50 Million +116.50%
2009-12-31 zł98.61 Million +11.76%
2008-12-31 zł88.24 Million --

Equity Component Analysis

This analysis shows how different components contribute to Kredyt Inkaso SA'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 3979.7% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2023)

Component Amount Percentage
Retained Earnings zł240.87 Million 68.32%
Other Components zł111.68 Million 31.68%
Total Equity zł352.55 Million 100.00%

Kredyt Inkaso SA Competitors by Market Cap

The table below lists competitors of Kredyt Inkaso SA ranked by their market capitalization.

Company Market Cap
Enertork Ltd
KQ:019990
 		$36.12 Million
Banvit Bandirma Vitaminli Yem Sanayi AS
IS:BANVT
 		$36.15 Million
Clicks
JSE:CLS
 		$36.15 Million
Uzma Bhd
KLSE:7250
 		$36.17 Million
Platform Turizm Tasimacilik AS
IS:PLTUR
 		$36.11 Million
Nasmedia Co. Ltd
KQ:089600
 		$36.11 Million
Hektar Real Estate Investment Trust
KLSE:5121
 		$36.10 Million
Atp Ticari Bilgisayar Agi ve Elektrik Guc Kaynaklari Uretim Pazarlama ve Ticaret
IS:ATATP
 		$36.10 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Kredyt Inkaso SA's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2022 to 2023, total equity changed from 322,431,000 to 352,545,000, a change of 30,114,000 (9.3%).
  • Net income of 33,340,000 contributed positively to equity growth.

Equity Change Factors (2022 to 2023)

Factor Impact Contribution
Net Income zł33.34 Million +9.46%
Other Changes zł-3.23 Million -0.92%
Total Change zł- 9.34%

Book Value vs Market Value Analysis

This analysis compares Kredyt Inkaso SA'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: 0.64x
  • 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 1.11x to 0.64x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
2008-12-31 zł15.61 zł17.40 x
2009-12-31 zł17.44 zł17.40 x
2010-12-31 zł16.49 zł17.40 x
2011-12-31 zł45.81 zł17.40 x
2012-12-31 zł11.48 zł17.40 x
2013-12-31 zł9.44 zł17.40 x
2014-12-31 zł10.06 zł17.40 x
2015-12-31 zł20.80 zł17.40 x
2016-12-31 zł20.25 zł17.40 x
2017-12-31 zł20.21 zł17.40 x
2018-12-31 zł19.36 zł17.40 x
2019-12-31 zł16.48 zł17.40 x
2020-12-31 zł20.34 zł17.40 x
2021-12-31 zł23.25 zł17.40 x
2022-12-31 zł25.00 zł17.40 x
2023-12-31 zł27.33 zł17.40 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Kredyt Inkaso SA 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): 9.46%
  • The company has moderate efficiency in generating returns from equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 21.32%
  • • Asset Turnover: 0.18x
  • • Equity Multiplier: 2.46x
  • Recent ROE (9.46%) is above the historical average (4.80%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2008 2.88% 13.55% 0.15x 1.43x zł-6.29 Million
2009 5.61% 18.61% 0.20x 1.48x zł-4.33 Million
2010 3.91% 36.25% 0.09x 1.26x zł-12.99 Million
2011 3.14% 40.28% 0.05x 1.51x zł-40.33 Million
2012 -0.17% -0.91% 0.07x 2.71x zł-15.11 Million
2013 7.89% 9.46% 0.27x 3.05x zł-2.58 Million
2014 6.11% 38.85% 0.05x 2.99x zł-5.06 Million
2015 13.26% 18.66% 0.29x 2.46x zł8.78 Million
2016 2.10% 3.87% 0.17x 3.19x zł-20.63 Million
2017 2.15% 4.45% 0.15x 3.18x zł-20.47 Million
2018 3.23% 6.27% 0.14x 3.55x zł-16.91 Million
2019 -17.19% -24.60% 0.19x 3.62x zł-57.80 Million
2020 17.18% 34.00% 0.17x 2.91x zł18.85 Million
2021 10.25% 24.81% 0.17x 2.45x zł749.70K
2022 6.98% 18.26% 0.18x 2.16x zł-9.73 Million
2023 9.46% 21.32% 0.18x 2.46x zł-1.91 Million

Industry Comparison

This section compares Kredyt Inkaso SA's net assets metrics with peer companies in the Credit Services industry.

Industry Context

  • Industry: Credit Services
  • Average net assets among peers: $206,080,868
  • Average return on equity (ROE) among peers: 12.78%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Kredyt Inkaso SA (KRI) zł347.42 Million 2.88% 1.62x $36.11 Million
Atlantis S.A. (ATS) $19.81 Million 3.92% 0.16x $1.70 Million
Best SA (BST) $150.64 Million 46.30% 0.81x $47.92 Million
Capitea S.A. (CAP) $115.63 Million 52.31% 3.98x $5.89 Million
Fast Finance SA (FFI) $62.23 Million 15.91% 3.59x $291.18K
Fon SE (FON) $5.97 Million -35.37% 0.92x $1.06 Million
Investment Friends Capital SE (IFC) $5.00 Million 2.84% 0.00x $303.35K
Kruk SA (KRU) $1.46 Billion 20.20% 1.44x $1.94 Billion
MW Trade S.A. (MWT) $26.04 Million 5.76% 0.68x $449.05K
PBS Finanse SA (PBF) $8.90 Million 3.12% 0.35x $608.00K