Kruk SA (KRU) - Total Assets
Based on the latest financial reports, Kruk SA (KRU) holds total assets worth zł13.57 Billion PLN (≈ $3.73 Billion USD) as of March 2026. 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.
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. Also see Kruk SA market capitalisation for the company's overall valuation and market capitalisation.
Kruk SA - Asset Composition Analysis
Current Asset Composition (December 2025)
Kruk SA's total assets of zł13.57 Billion consist of 30.4% current assets and 69.6% non-current assets. Review KRU liabilities breakdown to assess the company's total debt and financial obligations.
| 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. See Kruk SA stock quote for real-time trading data and today's change.
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 |
|---|---|---|
|
Mastercard Inc
NYSE:MA
|
USA | $52.45 Billion |
|
Shriram Finance Limited
NSE:SHRIRAMFIN
|
India | Rs3.21 Trillion |
|
Indian Railway Finance Corporation Limited
NSE:IRFC
|
India | Rs4.98 Trillion |
|
ZIP Co Ltd
AU:ZIP
|
Australia | AU$3.50 Billion |
|
Beijing Cuiwei Tower Co Ltd
SHG:603123
|
China | CN¥6.14 Billion |
|
Garanti Faktoring AS
IS:GARFA
|
Turkey | TL25.83 Billion |
|
Financiera Independencia S.A.B. de C.V. SOFOM E.N.R
MX:FINDEP
|
Mexico | MX$11.20 Billion |
|
Vakif Finansal Kiralama AS
IS:VAKFN
|
Turkey | TL36.28 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 | 5.33 | 0.84 | 2.05 |
| Quick Ratio | 5.32 | 0.82 | 2.02 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | zł3.44 Billion | zł-86.72 Million | zł920.25 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 | 1.38 |
| Latest Market Cap to Assets Ratio | 0.16 |
| Asset Growth Rate (YoY) | 11.9% |
| Total Assets | zł13.03 Billion |
| Market Capitalization | $2.05 Billion USD |
Valuation Analysis
Below Book Valuation: The market values Kruk SA's assets below their book value (0.16x), 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, France, Germany, and Spain. The company operates through three segments: Consumer Debts, Mortgage Debts, and Corporate Debts. It offers credit management services, including receivables management services to banks, loan brokers, insurers, leasing compani… Read more