Kruk SA (KRU) - Total Assets
Based on the latest financial reports, Kruk SA (KRU) holds total assets worth zł13.03 Billion PLN (≈ $3.59 Billion USD) as of December 2025. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments. See Kruk SA shareholders equity for net asset value and shareholders' equity analysis.
Kruk SA - Total Assets Trend (2005–2025)
This chart illustrates how Kruk SA's total assets have evolved over time, based on quarterly financial data.
Kruk SA - Asset Composition Analysis
Current Asset Composition (December 2025)
Kruk SA's total assets of zł13.03 Billion consist of 30.4% current assets and 69.6% non-current assets.
| Asset Category | Amount (PLN) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | zł0.00 | 1.6% |
| Accounts Receivable | zł14.60 Million | 0.1% |
| Inventory | zł9.36 Million | 0.1% |
| Property, Plant & Equipment | zł0.00 | 0.0% |
| Intangible Assets | zł143.58 Million | 1.1% |
| Goodwill | zł7.82 Million | 0.1% |
Asset Composition Trend (2005–2025)
This chart illustrates how Kruk SA's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. For live market cap, price, and company overview, see Kruk SA (KRU) market capitalisation.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Kruk SA's current assets represent 30.4% of total assets in 2025, a decrease from 70.8% in 2005.
- Cash Position: Cash and equivalents constituted 1.6% of total assets in 2025, up from 0.0% in 2005.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 1.0% of total assets, an increase from 0.0% in 2005.
- Asset Diversification: The largest asset category is intangible assets at 1.1% of total assets.
Kruk SA Competitors by Total Assets
Key competitors of Kruk SA based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Western Union Co
NYSE:WU
|
USA | $7.78 Billion |
|
AEON Thana Sinsap (Thailand) Public Company Limited
BK:AEONTS
|
Thailand | ฿92.25 Billion |
|
Propel Holdings Inc
TO:PRL
|
Canada | CA$639.53 Million |
|
Muthoot Microfin Limited
NSE:MUTHOOTMF
|
India | Rs108.57 Billion |
|
PTC India Financial Services Limited
NSE:PFS
|
India | Rs53.51 Billion |
|
Pappajack Bhd
KLSE:0242
|
Malaysia | RM361.68 Million |
|
Arman Financial Services Limited
NSE:ARMANFIN
|
India | Rs21.53 Billion |
|
Hexa Tradex Limited
NSE:HEXATRADEX
|
India | Rs55.63 Billion |
Kruk SA - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 6.29 | 5.84 | 2.10 |
| Quick Ratio | 6.27 | 5.82 | 2.06 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | zł3.33 Billion | zł2.98 Billion | zł917.44 Million |
Kruk SA - Advanced Valuation Insights
This section examines the relationship between Kruk SA's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.71 |
| Latest Market Cap to Assets Ratio | 0.18 |
| Asset Growth Rate (YoY) | 11.9% |
| Total Assets | zł13.03 Billion |
| Market Capitalization | $2.34 Billion USD |
Valuation Analysis
Below Book Valuation: The market values Kruk SA's assets below their book value (0.18x), which may indicate investor concerns about asset quality or future growth.
Rapid Asset Growth: Kruk SA's assets grew by 11.9% over the past year, indicating significant expansion of the company's resource base.
Annual Total Assets for Kruk SA (2005–2025)
The table below shows the annual total assets of Kruk SA from 2005 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | zł13.03 Billion ≈ $3.59 Billion |
+11.87% |
| 2024-12-31 | zł11.65 Billion ≈ $3.21 Billion |
+17.33% |
| 2023-12-31 | zł9.93 Billion ≈ $2.73 Billion |
+29.26% |
| 2022-12-31 | zł7.68 Billion ≈ $2.11 Billion |
+29.98% |
| 2021-12-31 | zł5.91 Billion ≈ $1.63 Billion |
+27.27% |
| 2020-12-31 | zł4.64 Billion ≈ $1.28 Billion |
-4.07% |
| 2019-12-31 | zł4.84 Billion ≈ $1.33 Billion |
+7.98% |
| 2018-12-31 | zł4.48 Billion ≈ $1.23 Billion |
+25.90% |
| 2017-12-31 | zł3.56 Billion ≈ $979.80 Million |
+15.00% |
| 2016-12-31 | zł3.10 Billion ≈ $851.98 Million |
+68.60% |
| 2015-12-31 | zł1.84 Billion ≈ $505.33 Million |
+21.06% |
| 2014-12-31 | zł1.52 Billion ≈ $417.40 Million |
+30.43% |
| 2013-12-31 | zł1.16 Billion ≈ $320.03 Million |
+19.70% |
| 2012-12-31 | zł971.43 Million ≈ $267.35 Million |
+21.36% |
| 2011-12-31 | zł800.47 Million ≈ $220.30 Million |
+152.07% |
| 2010-12-31 | zł317.55 Million ≈ $87.40 Million |
+52.72% |
| 2009-12-31 | zł207.93 Million ≈ $57.23 Million |
-1.77% |
| 2008-12-31 | zł211.68 Million ≈ $58.26 Million |
+123.81% |
| 2006-12-31 | zł94.58 Million ≈ $26.03 Million |
+12.14% |
| 2005-12-31 | zł84.34 Million ≈ $23.21 Million |
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About Kruk SA
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